Archive for the ‘Insurance Companies’ Category
San Francisco Bay Area Home Insurance Updates
May 6, 2026The market for home insurance in California [and the SF Bay Area] is rapidly changing. Here are some quick updates in regards to buying/changing/ or thinking about insurance policies in 2026: The California Home Insurance Landscape: For the past three years the homeowners insurance landscape in California has been in a horrendous state. However, the […]
Can you Get Home Insurance in California in 2026?
March 21, 2026Yes., you can still get home insurance in California in 2026 for the vast majority of properties out there. However the cost of the policy might be much higher, and the terms less generous. But yes- Home Insurance is still available in California. There are, however, still several issues with getting insurance. The main thing […]
New Surplus Lines Insurance Homeowners Policy Options for the $2MM to $3MM Range
February 15, 2026The market for California Homeowners insurance continues to shift. Some admitted insurers seem remotely more interested in writing new policies than in 2024, the California FAIR plan has become slightly easier to use, and Surplus Lines capital continues to flow into the state. There is ample data to back up this last claim. Specific to […]
Nonadmitted Insurance Options for California Homeowners
December 6, 2025Nonadmitted Insurance, otherwise known as Surplus Lines insurance policy options have exploded in popularity and choices in the past two years in California for the home and landlord insurance market. New MGA/MGU/ Insurer options seem to be coming into the market almost every month. Many admitted insurers remain on the sidelines. The California FAIR plan […]
How to Get the California FAIR Plan
May 21, 2025Dropped by your Home Insurer? Missed a Payment and Your Insurer wont Re Activate your Policy? Need the California FAIR Plan? Marindependent can help you gain access to the California FAIR plan. Its an Easy to complete process. How to Get the California FAIR Plan: There are several ways to gain access to the CA […]
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 – […]
