Archive for the ‘Home Insurance’ Category
The Insurance Loyalty Surcharge
December 11, 2015Have you been with the same insurer for eight years? Did you know that staying with the same insurer can end up costing you more money? Are you aware of the difference between a captive agent and an independent agent? How long have you been with your insurer? Who gets charged with Insurance Loyalty Surcharge? […]
Most popular endorsements to a home insurance policy
December 7, 2015What are the most popular coverage endorsements that may be added to a homeowners insurance policy? Why should I consider these insurance endorsements? The way a homeowners insurance policy works is that the you the consumer choose the policy that you want and modify it with your personal information and then add certain amendments (called […]
Most common perils not covered under homeowners insurance
November 19, 2015What are the most common perils not covered under a homeowners policy? What to look for and what to ask. The most common perils not covered under homeowners insurance polices very somewhat from state to state and much more so with what insurance policy you may have. Kindly read your own insurance policy to read […]
Insurance Coverage for the Affluent
November 19, 2015What types of coverages can the affluent get with their Homeowners, Automobile, and Umbrella Insurance? Well to do / Affluent clients often have different needs and there are a handful of Insurance Carriers that cater to them. Typical Preferred Insurance carriers can and often to do serve the well to do nicely however, there are […]
Out with the Wildfire, In with the Flood
November 11, 2015In my memory, I cannot recall a time when the San Francisco Bay area has been more concerned about natural weather events. With the dearth of rain these past three or four years and the constant concern of wildfire, man made or natural, our communities have done their best to safeguard us all. To […]
Landslide Insurance
October 27, 2015After an inquiry by a prospect this week, Marindependent Insurance Services now has an option to broker Landslide Insurance through one of our Non Admitted Carriers. Landslides are not covered by Flood Insurance, Almost always not covered by a home (homeowners) insurance policy, and usually not by an earthquake insurance policy – therefore it generally […]
Thoughts on Earthquake Insurance
October 5, 2015In the last couple of years the world of . Companies have become more competitive and more standalone insurance carriers have entered the market. Unlike Flood Insurance, which in certain Special Flood Zones can be required by lenders, Earthquake Insurance is usually not required, even if people live in a high risk area. Just because […]
Wildfire Season 2015 in Marin
July 9, 2015It is once again wildfire season here in Marin, Sonoma, San Francisco, San Mateo, Contra Costa, Alameda, and the rest of the counties in and around the San Francisco Bay Area. These past three years have seen an unprecedented drought and with it comes increased danger from wildfires. Please take the utmost precautions when you […]
The Earthquake Automatic Gas Shutoff Valve
July 7, 2015Earthquake Shutoff Valve: Automatic Shutoff Valves ( Earthquake Shutoff Valve ) are created to automatically shut off gas flow in the event of an earthquake. In past major earthquake disasters, much of the damage has been done by fires starting after gas lines ruptured and ignited. Automatic gas valves may help to prevent this in […]
Insurance in Marin County
June 26, 2015I have written in the past about the extremes of writing homeowners insurance in and around wonderful Marin county. Many of these factors also are true in Sonoma and San Francisco counties and really also in and around most of the San Francisco bay area. That post mostly focused on the terrain in writing homeowners […]
The Home Deductible Conundrum
June 19, 2015Will choosing a higher deductible lower my insurance premium? Should I choose a lower deductible or a higher deductible? What deductible should I choose for my new home? The Home Insurance Deductible: A deductible is “An amount the insurer will deduct from the loss before…” paying out the policy up to the limits. Says IRMI […]
Ordinance Law and You
June 12, 2015What is meant by Ordinance and Law Coverage? How much Ordinance and Law Coverage Should you have in California? Ordinance & Law Coverage: In personal homeowners insurance – Ordinance and/ or Law Coverage is coverage that protects your home from the added cost of repairing or replacing your home from a covered loss due […]
