Insurance Simplistic Solutions

04/08/2026

April is Distracted Driving Awareness Month. I just saw this article and thought I would pass it along.

02/02/2026

Thank you Desert Business Association, The Desert's LGBTQ Chamber. I have loved partnering with you for over a decade!

We are proud to launch a new initiative celebrating our members, sharing their stories, and highlighting the impact LGBTQ+-owned and allied businesses make.

Our first featured member is Dan George, founder of Insurance Simplistic Solutions, longtime DBA member, and a leader who has helped shape our organization through connection, service, and community pride. Check out his story here: https://bit.ly/featuredmemberDanGeorge

Over the coming weeks, we will be spotlighting the people behind the businesses who help move our local economy forward and strengthen our desert community.

12/17/2025

Here is an interesting article answering the question, "Will Home Insurance Cover a Weather Disaster?"

The frequency of weather-related disasters is on the rise. Here are common shortcomings with homeowners' insurance—and what you can do to help protect yourself.

12/02/2025

Here are some interesting facts about Earthquake Insurance. If you have any questions, please reach out to me!

Top Five Earthquake Insurance Myths

Homeowners want peace of mind, but confusion about earthquake insurance often gets in the way. When you help clients separate facts from fiction, you empower them to make smarter choices—and safeguard their future.

Set the record straight on these five common misconceptions:
1. “My homeowners policy covers earthquake damage.”
Homeowners policies typically exclude coverage for earthquakes–only earthquake insurance covers them.
2. “The federal government will bail me out.”
Federal assistance is limited to emergency needs, not repairing or rebuilding homes.
3. “I’m not at risk for earthquake damage.”
Seismic experts would disagree: the risk is high in earthquake prone regions and no community is immune.
4. “My home made it through other earthquakes just fine.”
Not all quakes are the same—the next one could be stronger and much closer to
your home.
5. “I can’t afford the deductible after a major loss.”
Here's the key: the deductible is subtracted from your claim payout, not a check you pay out of pocket.
Protecting homeowners starts with sharing the facts. Make sure your clients know the risk is real, but solutions are available.

09/17/2025

This is an interesting but technical dive into CA Wildfires and Urban Area.

Wildfire risk in California’s WUI is rising. Analysis of past events shows home hardening and defensible space can reduce structure loss by up to 52%, but coordinated, community-scale action is essential to maximize impact.

09/04/2025

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08/19/2025

This is interesting news about payout money for claims from catastrophes like wild fire.

The bill, which would apply to both existing insurance payouts and to any new escrow accounts, heads to Gov. Gavin Newsom's desk for his signature.

07/31/2025

Keeping up with the insurance market in CA. The article below is regarding Farmers rate increases this year. It is happening with all homeowners companies.

A longtime customer of Farmers Insurance is facing a nearly 400% increase in her yearly homeowner’s insurance premium.

07/24/2025

Here is a little more information on the CA Fair Plan and potentially running out of funds after the LA fires. It is an interesting read.

If regional utility is found responsible for January blaze, fund would pay claims and lawsuit settlements

07/18/2025

This is an interesting article about the CA Fair Plan and the state of CA home insurance.

New data shows record numbers of Californians cannot get coverage from insurance companies and must rely on the state insurer of last resort.

06/27/2025

Information on Smoke Damage and the California Fair Plan. Thank you Steve and Pacific Coastal General Insurance for sharing this information.

California Fair Plan Smoke Damage Ruling

Karl Susman speaks with Kristine Lazar regarding what comes next with the most recent ruling against the California FAIR Plan. 

06/17/2025

Here is a great reminder to keep you home is great shape for summer!