Latest articles by Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS
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How to Get Reliable Insurance Information
Before you decide to buy insurance based on what some anonymous guy on social media says, think about the reliability of your source.
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Four Reasons It May Be Time to Shop for New Insurance
You may be unhappy with your insurance for any number of reasons, so once you've decided to shop, what is appropriate (or inappropriate) timing?
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What Claims Adjusters Are Thinking vs What They're Saying
After a natural disaster, few of us are at our best, but here's what to keep in mind when you're interacting with your insurance company's claims adjuster.
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Why Homeowners Insurance Has Gotten So Very Expensive
The home insurance industry is seeing more frequent and bigger claims because of weather, wildfires and other natural disasters.
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How to Balance Your Insurance Expectations vs the Reality
Just because you have an insurance policy doesn't mean that you're totally covered in the event something bad happens.
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Five Things That Are Spiking Your Insurance Premium
It's a drag, but just as your expenses keep rising, so does the cost of doing business as an insurance company. That means higher premiums.
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Five Top Insurance Scams to Watch Out For
Scammers are always looking to take advantage of unsuspecting people, and insurance issues are prime targets. Here's how to avoid falling victim.
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How Do You Know Your Insurer Can Afford to Pay Your Claims?
Here's how to find out where your insurance company stands financially and whether it has a good track record with customers.
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Wait, Why Did My Insurance Premium Increase?!
No one likes it when they get a higher insurance bill, but there is most likely a logical reason for why it's gone up. Let's explore those reasons.
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What Is Insurance Good For? Let Us Count the Ways
You might resent having to pay premiums, but when disaster or just a minor fender-bender happens, you'll be happy you have the financial backup.
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How Does Car Insurance Work for Ride-Sharing Drivers?
Can you use your personal auto insurance? Does it cover everything or only certain things? Here's how to find out.
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Five Reasons You Might Hate Your Insurance Company (and Why You Shouldn't)
Stories about insurance companies letting down their customers are easy to come by, but there's another side to many of those stories.
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California Wildfires and Insurance: Looking for Help
Los Angeles-based insurance expert Karl Susman shares the view from his agency’s office as all hands are on deck to help their policyholders.
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All About Six Types of Auto Insurance Coverage
Do you know what your auto insurance policy covers? Here's a primer on some coverage categories, along with examples of how each type of coverage works.
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Are Democrats or Republicans Better for My Insurance Premiums?
Let's compare how these two political parties might affect your insurance premiums now that the 2024 election is over.
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Five Tips to Help Avoid a Denial on Your Insurance Claim
After a loss, take some deep breaths and follow the rules to ensure your insurance company is able to do its job on your claim.
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Buying an Insurance Policy: Three Ways to Do It
You can buy an insurance policy through an insurance agent or broker or on the internet. Which way works best for you?
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Do You Feel Like Somebody's Watching You? It's Your Car
What's worse, you gave your vehicle manufacturer permission to watch you — no matter what you're doing. What are the car companies doing with that information?
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Who Works to Make Your Insurance Work?
Ensuring a smooth insurance process takes more than just your insurance agent or broker — many talented people are busy behind the scenes.
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Are You Annoyed That You Have to Buy Car or Home Insurance?
Maybe instead of considering car and home insurance extra expenses that you don't benefit from, think about how those policies protect your investment instead.
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Why Does One Claim Jack Up My Insurance After Years of No Claims?
Even loyal customers can be hit with an insurance premium hike after a claim, despite going many years without any claims. There's a reason for that.
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Does a Farm Need a Different Homeowners Insurance Policy?
Homeowners insurance is all about providing the right tool for the right exposure, and life on the farm comes with different risks than life in the city.
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What Does the Term 'Full Coverage' Really Mean in Insurance?
For starters, there’s no such thing as 'full coverage.' Instead, you should tell your insurer exactly what kind of protection you're looking for and for what.
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Six Steps to Take if Your Insurer Sends You a Non-Renewal Letter
First and foremost, don't procrastinate. Let your insurer know you plan to fix whatever the issue is and then actually follow through on fixing it.
