Archive for the ‘General’ Category
Knob and Tube is now Uninsurable
February 25, 2024Knob and Tube, a form of a very old electrical system, is now all but unisurable in the California Howeowners Insurance marketplace, in our opinion. In other words if you are shopping for home insurance with Knob and Tube- Do not call me. Marindependent may only have one pretty bad solution for you. All of […]
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 […]
California FAIR and DIC Insurance
September 20, 2019What is the California FAIR plan? The California FAIR plan is a bare bones fire insurance policy. It is an exceptionally limited named perild policy. According to the California Department of Insurance it “should only be considered after a diligent search for coverage in the traditional insurance market. ” “The FAIR Plan is an association […]
Is Pet Insurance Worth It?
March 27, 2018Is Pet Insurance Worth It? Americans love owning pets. The American Veterinary Medicine Association found in 2012 that 36.5% of households owned a dog, over 30% owned a cat, and thousands of households owned everything from rabbits to snakes. All told, roughly half of all American households have a pet of some kind. What most […]
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 New Parents Shouldn’t Be Worried About Lowering their Auto Insurance Rates
December 1, 2016I know you hear it all the time. You could save 15% in ten minutes or less. Are you paying too much or auto insurance? But for new parents auto insurance is not necessarily the right place to cut your costs. After all, when first time parents have twins, for example, they are over night doubling […]
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 […]
How Did my Home Get So Under insured?
September 14, 2016How did my home get so under insured? Why underinsurance matters. Where under insurance begins. Under Insured Homes: Near and Dear to my heart is home rebuild coverage amounts. I am constantly amazed at how often I see home insurance policies written with peanut coverage amounts. Amounts that should make a licensed insurance agent […]
Back to Basics
March 31, 2016Getting Back to Basics with insurance: Yearly you should do the following to clean up your insurance from a personal level. Insurance needs change all the time. No one likes to worry about their risk and coverages. Below is simple list of things that consumers can do to help mitigate some of their own personal […]
Flood Insurance Discount Potential for Unincorporated Marin County
February 2, 2016How can I save 15% off of my flood insurance in Marin County? What is Unincorporated Marin County? Will this happen automatically? Who Qualifies for this Flood Insurance Discount? The Basics on Flood Insurance: There are all sorts of rating factors when determining the price for Federal Flood Insurance. Many of these rating […]
Marin Green Business
January 26, 2016Marindependent Insurance Services LLC is proud to announce that we have qualified for the Marin Green Business Program through the Bay Area Green Business Program and California Green Business Program. I have always believed that a business should be based on serving the community, the environment, and yet be profitable. The Marin Green Business […]
How to insure valuable items
January 19, 2016How do I insure high value items on my insurance? Homeowners Floater Endorsements for High Value Items. What is a high value item exactly? Who should insure them valuable items? What are the decisions you need to make? Your typical homeowners insurance policy (all that I know of) cap how much personal property coverage you […]
