Archive for the ‘Umbrella Insurance’ Category

Obvious Ways to Keep your Insurance Clean from a Good Insurance Broker

Semi Obvious Ways to Keep your Insurance Clean from a Good Insurance Broker. There is lots of noise out there about insurance.  Much of it is dedicated to purchasing Auto or Home Insurance.  Not enough seems dedicated to protecting you – the consumer.  How best to protect myself and my family?   How can I customize […]

Six Secrets of Keeping Clean Insurance

The world of insurance has never been as exciting as the world of investment.  Almost every insurance agent knows this.  People call their investment house with excitement with angst, but rarely check in with their ‘risk manager’.   Funny, really that it works out this way.  In general your investments will incrementally make you richer. […]

Back to Basics

Getting Back to Basics with insurance: Yearly you should do the following to clean up your insurance from a personal level.  Insurance needs change all the time.  No one likes to worry about their risk and coverages.  Below is simple list of things that consumers can do to help mitigate some of their own personal […]

2016 Insurance

Can you believe it is already 2016?  How to clean up your insurance in the new year.  Last year I put a short piece online through patch, about 2015.  This year, I opted to have it my own site.   2016 Insurance: A quick list of Insurance things to check for the new year.  Confirm […]

The Insurance Loyalty Surcharge

Have 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

What 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 […]

Insurance Coverage for the Affluent

What 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 […]

Insurance changes for newlyweds

Congratulations on your recent nuptials!   With all of the pomp and all of the pageantry, coming back to the real world can be difficult.  However, getting married creates a full list of to dos.   Now start working on Insurance for newlyweds When newlyweds think of the subject of getting your finances together after a […]

Specific Insurance Questions for Personal Lines

Below 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

What 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 […]

How Much Umbrella Insurance do I Need?

Determining how much umbrella insurance to purchase can be a tricky endeavor.  There are countless articles and blog posts dedicated to why you need umbrella insurance but few about How Much Umbrella Insurance do you need?  First off as with all insurance decisions, speak with a licensed insurance agent or broker in your state before making […]

Who we write insurance with

Marindependent 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 […]



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