The Strength of an Independent Insurance Agency

A local, Independent Insurance Agency (or broker) is the best way for a family to insure their home, autos, boats, RVs and everything else. To understand why an Independent Agent has an advantage on behalf of its clients, it is important to understand the basics of the insurance marketplace and how the “product” of insurance Read More

A Good Step on Health Care Reform Reform

The US Senate voted to repeal a particularly bad piece of the Health Care Law today on an 81-17 vote.  81-17 is significant not only because of how overwhelmingly it passed, but because you simply cannot reach that number without bipartisan support. What part of the law was repealed? The specific piece repealed was a Read More

Auto Insurance Sacramento CA

Update on PPACA Non-Discrimination

Key Federal agencies have decided that the new Affordable Care Act group health nondiscrimination rules are too complicated for taxpayers to apply without regulatory guidance.   Taxpayers can wait to comply with the rules until the agencies come out with regulations or some other type of guidance, officials at the Internal Revenue Service (IRS) say Read More

Quotation Frustration

If you watched the baseball playoffs this October, you couldn’t help but notice that insurance companies dominated the advertising space.  It was like the insurance carriers were trying to become the 4th American thing, “Hot dogs, baseball, apple pie and Insurance Commercials”.   I’m in the insurance business, and even I was sick of insurance by Read More

We blogged, Congress acted. Now that’s power!

Yesterday I posted a blog about the coming lapse of the NFIP (National Flood Insurance Program).  By the end of the day, Congress re-authorized the program for 1 year.  Am I taking the credit for getting Congress to act?  Yes I am. That’s a little arrogant, Mr. Purves… Mr. Purves, indeed!  When was the last time Read More

Dog Bit Your Neighbor?

  Scenario: Your dog just bit the neighbor’s child when the child tried to snuggle your sleeping dog.  You know your dog is a sweetheart, but was probably spooked when the child climbed on for an innocent snuggle.  Now the parents are suing you for negligence.  Do you have insurance coverage for this?  Answer below… Not Read More

Auto Insurance Sacramento CA

Rental Car Insurance – a Good Buy?

Summer is here and you’re vacation bound!  You found the best rate for a hotel and rental car and soon you’re flying away to your favorite vacation spot (or dreaded family reunion, but enough about my summer…).  You reach the rental car counter and they ask you if you want to buy the insurance.  As Read More