Archive for the ‘Non Standard Insurance’ Category
The FAIR Clearinghouse Progam
May 27, 2022What is the FAIR Clearinghouse Program? When did Clearinghouse Start? Who participates in the Clearninghouse program for FAIR? How Does FAIR Clearninghouse Work? What is the FAIR Clearinghouse Program? The California FAIR Insurance program is required by Insurance Code 10095(i) “to develop…a clearninghouse program.” This program is for admitted insurers to “offer homeowners insurance policies […]
Rutgers Law and United Policy Holders Team Up to Help you the Consumers
May 20, 2022United Policy Holders and Rutgers Law School have announced a partnership to work on the “Essentials Protections.” The “The Essential Protections for Policyholders Project is a two-year project that focuses much of its research on consumers that file ordinary claims, examining what they are surprised or disappointed by and how some of the best states are […]
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 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 […]
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 […]
California FAIR and DIC Insurance
September 20, 2019What is the California FAIR plan? The California FAIR plan is a bare bones fire insurance policy. It is an exceptionally limited named perild policy. According to the California Department of Insurance it “should only be considered after a diligent search for coverage in the traditional insurance market. ” “The FAIR Plan is an association […]
Nonrenewals in Marin County
August 22, 2019Residents of Mill Valley, Corte Madera, Sausalito, West Marin and many other communities and towns in Marin County are about to start getting a lot more homeowners nonrenewals. This article about nonrenewals is intended to be a community resource as well as a form of marketing. It is intended to answer the question: Why are […]
Dog Breeds Insurance Companies Don’t Like
December 5, 2016What dog breeds do Insurance Companies not like? Which breeds of dog likely will not allow you to get preferred home insurance? What to do? Certain Dog Breeds Insurance Companies don’t like and what to do about it. First off, lets be clear – there is no ONE LIST of Dog Breeds that all Insurance […]
Commercial Private Flood Insurance
November 17, 2016Commercial Private Flood Insurance is a serious option for owners of Apartment Buildings. The cost savings combined with flood coverage should be discussed with an experienced independent insurance agent. Own a Apartment Building and Want to Save on Flood Insurance? Considering Cheaper Flood Insurance for a Commercial Building? Can you purchase Non Admitted Flood […]
Home Auto Discount
August 17, 2016The Home Auto Discount: There are dozens and dozens of discounts out there in the world of Insurance. Some of them are odd and some of them are obvious. Of all the discounts the one that is most mentioned by insurance agents and insurance commercials, is the so called Home Auto Discount. At least […]
Documenting your Personal Possessions for Homeowners Insurance
July 13, 2016Recently I posted a short article on Wallethub about how to document your personal possessions. For home insurance it is imperative that you do so. Insure undocumented possessions at your own peril. Please read this entire post Documenting your Personal Possessions for Homeowners Insurance for important details. Lets be frank here, Insurance Companies realize […]
