Archive for the ‘Insurance Companies’ Category
Got Insurance Problems – We Got Solutions
February 24, 2025The crazy California Insurance market Crisis is leaving hundreds of thousands of consumers left with few good home insurance options. The High Premiums and Low Coverages are a Real California Challenge, that is the bad news. The Good News is that Marindependent has insurance solutions. Confused by what to do when you receive that renewal? […]
And … What Now? Where Does the California Insurance Market Head in 2025.
January 21, 2025The devasting Southern California Wildifres are still burning. Foks are still evacuated, Firefighters still out on the line. As we begin to comb through the wreckage [and mistakes] we are left to ask the outrageous question of Where Does the California Inusurance Market Head Now? In this blog post, we dont have many answers – […]
The 2025 California Insurance Market
December 26, 2024The year 2024 turned out to be really challenging year for insurance in the state of California. We are hoping that 2025 might turn out a just a little bit better. There was some hope that the risk management troubles in this state from 2023 would end in 2024. However it does not seem to […]
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 […]
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 […]
State Farm Stops Writing Home Insurance in the Bay Area [and the rest of California]
May 27, 2023State Farm and its various mutual entities have long held out as the sole admitted insurer writing new policies in much of California. As of today – May 27th, 2023 – this is no longer true. According to numerous publications including the Wall Street Journal, Sac Bee, Fox Business, and many more – State Farm […]
The Insuranceflation Story
March 11, 2023California is undergoing a tremendous increase in insurance costs. We call this rising cost of insurance – insuranceflation. The causes of insuranceflation. Some obvious, some not. What is Insuranceflation? Simply put insuranceflation is the increasing cost of insurance. Buy a house and watch the cost to insure it go up each and every year – […]
Insurance Auto Pay Vs E Bill
September 27, 2022The Most Important Mistake a Consumer can Make with their Own Insurance is to Miss a Payment and risk non coverage for a claim. Home and Auto Insurance Electronic Billing and Auto Pay, although similar – are not the exact same thing. The Main Benefit of Auto Pay and Electronic Billing: The main benefit from […]
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 […]
LLoyd’s
April 14, 2022Lloyds of London is technically not an insurance company, rather it is an Insurance Marketplace. It is a place of business and a set of methods that allow 80 or so syndicates to bid and provide insurance contracts typically on risks that many domestic, foreign,and admitted insurers refuse to offer. Lloyds is NOT your standard […]
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 […]
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 […]
