Search found 11 matches

by inshru2
Wed Jun 03, 2020 5:11 pm
Forum: Opinions
Topic: Riots & Protection
Replies: 6
Views: 24331

Re: Riots & Protection

I would think that there would have to be a declaration that it was an "Act of Terrorism". Kind of like a declaration of emergency. Since there has not been any official declaration of "Act of Terrorism" claims will be treated as vandalism. Looting would also be covered under the...
by inshru2
Mon Jun 11, 2012 11:46 am
Forum: Opinions
Topic: Symbol 31 on an Hyuandi
Replies: 2
Views: 2680

Symbol 31 on an Hyuandi

Can anyone tell me why ISO woud have a symbol 31 on a 2012 Hyuandi Elantra? 4 cyl 1.6 ltr engine 4dr sedan. $ 23,000 for the vehicle. Nothing fancy. The physical damage rates went through the roof.
by inshru2
Fri Jul 01, 2011 3:50 pm
Forum: Hard-to-Place Accounts
Topic: CA-Guaranteed Replacement Cost
Replies: 15
Views: 12164

Re: CA-Guaranteed Replacement Cost

First American Specialty Insurance Company offers the coverage on newer homes less than 25 years and requires an interior inspection if purchasing the coverage. There is an additional premium charged for the coverage as well.
by inshru2
Mon Sep 28, 2009 3:38 pm
Forum: Opinions
Topic: Child Away at College with Car
Replies: 12
Views: 9294

Re: Child Away at College with Car

I guess the key words are "the registered owner" . If the daughter, the student, is not the registered owner of the vehicle and the registered owner is the father and he resides in NV there should be no reason to register the car in California. The daughter getting a CA drivers license doe...
by inshru2
Thu Aug 13, 2009 10:53 am
Forum: Opinions
Topic: Delivery of Insureds Policy
Replies: 4
Views: 1741

Re: Delivery of Insureds Policy

It was a general announcement and I have not contacted them yet. The headline read: "Networked Goes Paperless One Carrier at a Time"
by inshru2
Thu Aug 13, 2009 10:43 am
Forum: Opinions
Topic: Delivery of Insureds Policy
Replies: 4
Views: 1741

Delivery of Insureds Policy

Yesterday I received an email announcement from NIA (Networked Insurance Agents) that they would no longer be mailing insured's copy of policy etc. to the agent. They would only electronically send it to the agent. I understand companies desire to go paperless and reduce costs. But... that choice to...
by inshru2
Tue Jan 06, 2009 2:15 pm
Forum: Opinions
Topic: Current Replacement Costs
Replies: 7
Views: 2686

Current Replacement Costs

I am finding that with the short sales and foreclosures here in California that often the replacement cost for a dwelling is sometimes 2 - 3 times above the purchase price. Do you think this could be a problem - insuring above the purchase price? I remember when I started the business insurance comp...
by inshru2
Fri Feb 08, 2008 12:00 pm
Forum: Hard-to-Place Accounts
Topic: Elderly Care Facility
Replies: 7
Views: 3685

Elderly Care

More of the permanent type. I see these type of homes all over the place. So I know someone must offer the coverage
by inshru2
Thu Feb 07, 2008 1:09 pm
Forum: Hard-to-Place Accounts
Topic: Elderly Care Facility
Replies: 7
Views: 3685

Elderly Care Facility

Trying to find a a market for a small residential care facility that boards 4-6 elderly folks. The problem has been that there are overnight boarders. The facility is located in the Sacramento California. They currently have a homeowners policy and the carrier is unaware of the exposure (through ano...
by inshru2
Tue Aug 08, 2006 10:34 am
Forum: Hard-to-Place Accounts
Topic: Commercial General Liability
Replies: 2
Views: 2390

Commercial General Liability

I am a California agent who is looking for CGL (admitted) for property owners who have multiple rental properties that are less than 4 units. Stand alone CPL policies offered by Topa and McGraw have limits to the number of locations and McGraw does not offer Personal Injury. It is not always possibl...
by inshru2
Fri Aug 04, 2006 2:37 pm
Forum: Hard-to-Place Accounts
Topic: commercial general liability
Replies: 1
Views: 1818

commercial general liability

I sent a post the other day but it does not show do I need to resend? I sent it on Weds. August 2nd.