Archive for the ‘Home Insurance’ Category
Tiny Business Insurance
May 6, 2015What is Tiny Business Insurance? Is Tiny Business Insurance Real? How do I know if I need tiny business insurance? If you are new to the world of entrepreneurship, you may not have heard of small business insurance. Most likely you have been told you need to think about incorporation and that you need […]
Specific Insurance Questions for Personal Lines
May 1, 2015Below are some of the more specific Insurance Questions I get from time to time. In complete opposite to the common questions blog post we had in the past, this is a post dedicated to some of the more exact, yet equally important questions that I have found that both prospects and clients alike may have. […]
How to lower your Auto and Home Insurance Bill
April 29, 2015What can I do to lower my home and auto insurance bill? What can I do? Where can I start? Though similar this is a distinct and different question from How do I buy either cheap Home or cheap Auto Insurance. That question is more based on how you shop around – this question is […]
What documentation is required for Flood Insurance
April 15, 2015Flood Insurance is a rather unusual form of Insurance in that it is essentially created and backed by the federal government through FEMA, with the exception of Non Admitted Flood policies. FEMA stands for Federal Emergency Management Agency. All Homeowners Insurance (that I know of at least) excludes the peril of flood from Homeowners Insurance. […]
What is a Fire Protection Class?
April 9, 2015One of the most important things when underwriting a home for Homeowners Insurance is the Fire Protection Class. The fire protection class is a score that ranks from 1 to 10, with one. being the safest number and ten being the highest risk. The Fire protection class is an ISO product. This score is […]
Who we write insurance with
March 9, 2015Marindependent Insurance Services LLC functions as both an Insurance Brokerage and an Insurance Agency. However, we are primarily California Property and Causality Insurance Brokers. A broker works for the client where as an Agent works for the Insurance Company. This is stated just to be perfectly clear that we broker policies and are not […]
The Discount Dilemma – Your Auto Home and Life Discounts Applied – Does it All Add Up?
February 18, 2015How do you buy Cheap Auto and Cheap Home Insurance using discounts? Should you choose an Auto insurance carrier that gives you the most discounts? Do all of those discounts really add up? How to think about getting insurance discounts? Should I get my life insurance with the same company that writes my home and Auto […]
Insurance Agent, Insurance Broker – What is the difference?
February 13, 2015What is an Insurance Agent? What is an Insurance Broker? What is this third category in between Agent and Broker? Insurance Agent, Insurance Broker… This is one of the common talking points and questions that all insurance agents and brokers get. Please allow me to try and explain. Insurance Agent, Insurance Broker: According to the IRMI […]
The Case for Umbrella Insurance
February 5, 2015Two Types of Umbrella Insurance: There are essentially two types of umbrella insurance, Business and Personal. To be perfectly clear they cover completely separate things. As the names would suggest a Commercial Umbrella covers your business liability arising out of business operations. A personal umbrella covers no such thing. A Personal Umbrella, also occasionally known as […]
What is Demand Surge?
January 28, 2015What is Demand Surge? How does demand surge affect my home insurance price? Why should I care about Demand Surge? What is the principal of demand surge? What Exactly is Demand Surge? While certainly not a common insurance related questions for Insurance Brokers, Demand Surge is a very interesting and important topic. […]
Insuring a One Woman Operation from your Home
January 21, 2015Do I need Home Based Business Insurance? What do you mean my home insurance does not automatically cover my business? Why doesn’t my home insurer want to insure my business? One of the first two things that small businesses owners / entrepreneurs need to think about are obvious: Incorporation and Insurance. Both Incorporation, whether it’s […]
How your roof factors into your insurance costs
January 8, 2015Your Roof and your Homeowners Insurance How the age type and condition of your roof can affect your pocket book. What do you mean my roof can factor into my home insurance costs? An Insurance company may decline my home because of my roof? I might not be able to pass an insurance inspection because […]
