Archive for the ‘Home Insurance’ Category
Property Insurance Occupancy
March 24, 2022Do you need to tell your insurance company when you move out of a home? Inform insurers of any Occupancy Change on your Property or Policy How to Inform Your Insurer in the Change of Occupancy of your Homeowners Policy Improperly written Property Policies Can be a Real Issue if you File a Claim – […]
AIG to Leave the Homeowners market in Marin – now What?
February 23, 2022A major Exclusive Affluent Insurer is Leaving the Great State of California What to do? Where to go? What the AIG decision says to Marin County Homeowners AIG to Exit California Homeowners Market: In a stunning decision American International Group [AIG] has decided to leave “the admitted homeowners market on Jan. 31” in the state […]
Firewise Marin County Locations
January 25, 2022What Locations in Marin county are recognized as being Firewise certified? A full and comprehensive list of firewise areas of Marin County. About the List of Firewise Communities in Marin County California, USA: Our list of firewise areas or communities in Marin is based off of public information. Although it is intended to be accurate […]
The Firewise Discount with FAIR
January 18, 2022Does the FAIR plan offer discounts for Firewise Communities? Do other insurers offer Firewise discounts? What is Firewise relative to a Propery Insurer? The FAIR Firewise Discount: Yes, the FAIR plan now offers a discount to firewise community, assuming they are informed and pass through underwriting properly. Various sources state that the discount could be […]
Don’t Get a “D” when purchasing a Companion DIC Policy.
January 7, 2022Where to purchase a Companion DIC Policy The Special Considerations for High Value Homes with DICs What to Watch out for with Companion DICs A DIC is a Differences in Condition policy – a poorly named policy that is used to pair with the California FAIR plan. Technically there is another type of DIC policy […]
California Nonrenewals in 2022
January 5, 2022Will California experience less homeowner nonrenewals in 2022 vs 2021 Why are California Consumers Receiving nonrenewal notications? What is trend in home and liability insurance in the state? What is an Insurance Nonrenewal? Simply put a nonrenewal is an official insurance notification that the current insurer will not renew your next years policy. This definiition […]
The WILDFIRE RESILIENCE Project
September 27, 2021“wildfire risk in California and throughout the western United States is becoming uninsurable “ ” 2.7 million Californians living in very high wildfire hazard severity zones“ “insurance will be either increasingly [be] unaffordable, or unobtainable.” In some specific areas Calfornia is seeing a “203% increase in non-renewals” A terrific new wildfire project was undertaken by […]
The Horrible State of the California Home Insurance Market
June 28, 2021Brief thoughts othe condition of consumer property insurance in California. When and if it will get better? Property Insurance in wildfire areas has been getting more difficult for years, however in California, recently it has gone from bad to deplorable. Currently, I feel that there is no solution to the problem. This post probably should […]
The San Francisco Bay Area Home, Auto, Umbrella Package
January 11, 2021Welcome to 2021, hopefully a much better year than 2020. With all of the crazy events of the past year: The Coronavirus, the Lockdown, Wildfires, and Events in Washington, its easy to forget about your overall insurance portfolio. Don’t worry we haven’t – its still our core mission: Personal Lines Insurance Packages in the SF […]
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 […]
The Great FAIR Debate
December 17, 2019In November and December of 2019 a great debate about the future of the California FAIR plan, which serves as the home insurer of last resort, began. The California FAIR plan is the home insurer for people that cannot find home insurance through any other means. It is ruled and regulated via the California Insurance […]
November is Be Better with Building Ordinance and Law Month
October 25, 2019Marindependent Insurance Services has made November the Be Better with Building Ordinance and Law Endorsement month to assist in marketing the value of this useful home insurance endorsement. Our Article about Building Ordinance and Law can be of great help for most consumers. Especially for those that are unaware of how this endorsement works. Marindependent […]
