Archive for the ‘Flood Insurance’ Category
2023 a Fun Year in Insurance [Not Really]
November 28, 2023Welcome to 2023 and this might just not be your typical blog post. My blogs have historically attempted to be helpful, yet accurate in helping consumers and business owners in how to procure the best types of insurances. Sometimes that means sending you elsewhere. Sometimes that means selling you just part of the package. Editors […]
Did the Economist Magazine Just Call Out the California DOI?
July 17, 2023A fascinating, challenging article in the most recent Economist Magazine, dated July 13th 2023 – titled Why people struggle to understand climate risk – may have challenged the thinking of the California Department of Insurance and its Commissioner – Ricardo Lara. The article, which is in part based on Climate Change, Risk Management, and Risk […]
the Turbulent Local Insurance Market
April 29, 2022Got a Headache? So do We. Welcome to California’s Turbulent Local Insurance Marketplace. A new client that I was speaking with just the other day, asked me what I meant in regards to the turbulent local insurance market in California. I was a bit surprised by the question. Doesn’t everyone know how hard it is […]
New Flood Insurance System Marin County
August 31, 2021A new NFIP Flood Insurance rating system goes live in Marin County and the rest of the USA starting in October 2021. The new system is called NFIP 2.0 – Equity in Action. Federal Flood Insurance: Most flood insurance written in the United States is written through FEMA through the National Flood Insurance Plan. The […]
Can you Buy Home Insurance During the Coronavirus Pandemic?
May 3, 2020Buying Home Insurance during the current pandemic is still possible in much of the United States. Processes have been slightly changed. Nothing is guaranteed right now. This article about coronavirus and home insurance is intended for a US audience. How does Coronavirus or Covid-19 affect the acquisition of a new home insurance policy during this […]
Marin Home Insurance
August 7, 2018Buying Home Insurance, also known as Homeowners Insurance in Marin county can be a complex task. Read this article to properly insure yourself. The Biggest Insurance Issue facing Marin Homes. Why Saving money might not be the best bet. The five different types of home insurance in this area. Many people incorrectly assume that […]
California Affluent Insurance
August 3, 2017Think things are different for the 1%, imagine their insurance scenario. Unlike most Americans, Affluent Americans need to consider insurance from a much different angle. A typical middle class american may use insurance to cover both the financial loss and the financial cash flow, but for affluent Americans this may not be the best play. […]
Apartment Building Private Flood Insurance
March 2, 2017Apartment Building Private Flood Insurance is typically required of buildings that carry a mortgage and that are located in high hazard flood zones. By FEMA definitions these flood zones basically include the A and the V zones. There are variations of these two types of flood zones, but essentially if your building is in […]
Qualify for Cheaper Flood Insurance through the Newly Mapped Program
February 15, 2017Want to check to see if your home qualifies for the newly mapped flood insurance program? Qualify for Cheaper Flood Insurance ? Need to Check an Address? Want to see if you can save money on FEMA Flood Insurance? What is the NFIP Newly Mapped Program? The National Flood Insurance Newly Mapped Program is a process […]
Why the Wealthy should Really Consider Earthquake and Flood Insurance
December 12, 2016“Earthquake Insurance is too expensive” “Why would I need Flood Insurance?” Wealthy Earthquake and Flood Insurance. Truly Affluent homeowners, that is, people that both own Luxury Property AND have paid them down, need to consider insuring their homes in a different manner. Insurance for the Affluent: Frequent Readers of my blog posts and articles will […]
Commercial Private Flood Insurance
November 17, 2016Commercial Private Flood Insurance is a serious option for owners of Apartment Buildings. The cost savings combined with flood coverage should be discussed with an experienced independent insurance agent. Own a Apartment Building and Want to Save on Flood Insurance? Considering Cheaper Flood Insurance for a Commercial Building? Can you purchase Non Admitted Flood […]
Private Flood Insurance
October 13, 2016For decades FEMA Flood Insurance, through the US Department of Homeland Security, was the only form of Flood Insurance. Over the years rates have continually gone up. They have gone up for congressional reasons, mapping reasons, and for underwriting reasons. However, why flood insurance has been getting more expensive is almost not important. What […]
