In this episode of Insurance Hour, hosted by Karl Susman, the focus revolves around practical tips and strategies for lowering insurance costs. The episode kicks off with listener questions about managing high premiums for new drivers, including strategies like utilizing good student discounts and clarifying vehicle usage. Karl dives into the differences between term life and whole life insurance and explores renter’s insurance, explaining why tenants need their own coverage despite landlords having policies on the building.

The conversation extends into areas like pet insurance, health insurance options post-employment, and umbrella policies, providing listeners with clarity on these nuanced topics. Karl also discusses boat insurance, mold damage, travel insurance, and whether older vehicles require full coverage. The show emphasizes consulting with insurance professionals for customized advice, especially when policies vary based on state regulations. Throughout, Karl keeps the tone informative and approachable, making complex insurance concepts accessible to listeners.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, host Karl Susman dives deep into the essentials of homeowners insurance. He explains various coverage types, including dwelling coverage, personal property, other structures, and liability insurance. Karl emphasizes the importance of understanding the nuances in these policies, such as the assumption that the homeowner lives on the property and the significance of having appropriate coverage for structures like pools, detached garages, and landscaping. Additionally, he addresses common questions about extended replacement costs, sub-limits for personal belongings, and medical payments coverage. Karl also touches on earthquake insurance and the need for separate coverage, especially in earthquake-prone California. He stresses the value of liability coverage and shares a personal story about the practical use of medical payments for minor injuries on one's property. This episode is an essential guide for anyone looking to protect their home and assets effectively.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of "Insurance Hour," host Karl Susman interviews Amy Bach, the executive director of United Policyholders, about the challenges facing the insurance market, particularly in California. They discuss the growing difficulty for consumers to obtain home insurance, driven by climate change, wildfire risks, and other factors like technological advancements and market fluctuations. Amy outlines how non-renewals are becoming more common and why insurers are pulling out of high-risk areas. She also explores the role of the California Fair Plan, a fallback insurance option, and the uncertainty about its long-term sustainability. Both Karl and Amy emphasize the importance of mitigation steps homeowners can take to reduce fire risks and the value of working with informed agents. They conclude by discussing the future of insurance in California and nationwide, with a cautiously optimistic outlook for increased market availability, though affordability remains uncertain.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, hosted by Karl Susman, listeners submitted various insurance-related questions, which Karl answered in real-time. The episode covers common topics such as auto insurance premium increases, ride-sharing coverage, and handling claims for hit-and-run accidents. Additionally, Karl explains why claims might be denied, discusses insurance coverage for Uber and Lyft drivers, and touches on tricky subjects like how a neighbor’s claim can affect your own. The episode is informative, offering a mix of practical tips and expert advice on navigating the complexities of different insurance policies. It’s an episode geared towards anyone wanting to make sense of their insurance needs and minimize risks.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, Karl Susman tackles listener questions covering a wide range of insurance-related topics. The show starts by addressing the nuances of earthquake and flood insurance, explaining why standard homeowner's policies do not cover these perils. Other key discussions include auto insurance liability, renters insurance, umbrella policies, and the need for business insurance when running a small business from home. Karl also emphasizes the importance of being properly insured during home renovations and why bundling home and auto policies can lead to discounts. He offers practical advice on how to shop for better rates and prevent premium hikes after filing claims.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, host Karl Susman interviews Clebe Best, Vice President of the Independent Insurance Agents and Brokers of Arizona (IIABAZ). They discuss the evolving landscape of insurance, focusing on the roles of independent agents, brokers, and how they differ from direct carriers. Key topics include the importance of transparency in claims, the rise of AI in the insurance industry, and how consumers can better navigate insurance decisions, from purchasing home policies to filing claims. Clebe emphasizes the value of having a trusted insurance advisor and the critical need for proper insurance coverage in a market where premiums are rising and availability can be challenging.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

This episode of Insurance Hour, hosted by Karl Susman, covered several critical topics affecting the insurance industry. The show started with a discussion about the impact of catastrophic events like hurricanes in Florida and wildfires in California, highlighting the challenge insurers face in pricing policies for regions with high-risk exposure. Karl also took a caller's question on agency billing solutions and introduced Agent Snap, a tool to streamline billing for insurance agents. The focus then shifted to earthquake insurance in California, where Karl emphasized the importance of purchasing quake coverage and detailed the role of the California Earthquake Authority. Additionally, renters insurance was discussed, with an emphasis on liability coverage and personal property protection. The episode closed with practical tips on loss prevention, including home hardening to mitigate fire and flood risks, and the value of having a disaster preparedness plan in place.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, host Karl Susman answers listener questions regarding various insurance-related topics, focusing on the California market. The episode covers a wide range of subjects, including workers' compensation in condo policies, non-renewals of homeowner's policies due to market changes, the rise in auto insurance premiums, and the ongoing insurance crisis in California. Susman provides practical advice on shopping for new insurance, understanding policy details, and dealing with rising costs, while also addressing the impact of inflation, supply chain issues, and electric vehicles on insurance rates. The episode also includes a discussion on earthquake coverage and regulatory challenges affecting California’s insurance industry.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com

In this episode of Insurance Hour, host Karl Susman interviews RJ Lehmann, Editor-in-Chief of the International Center for Law and Economics (ICLE). The conversation covers key issues surrounding California’s insurance market, focusing on Proposition 103, its impact on insurance regulation, and the controversial intervener system. Lehmann explains how Prop 103, originally designed to control auto insurance rates, has led to unintended consequences for property insurance, especially in the face of growing wildfire risks. The intervener system, designed to allow consumer advocacy groups to challenge rate increases, is critiqued for being a potentially flawed mechanism that can complicate rate adjustments. The episode delves into the current insurance crisis in California, with major carriers pulling out due to untenable conditions, and discusses possible future reforms needed to stabilize the market.

Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is available online throughout California and world-wide.

Listeners can now tune in to Insurance Hour on great AM radio station KMET throughout the state of California.

In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience.

Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app.

For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com