Red Rock Insurance Podcast

In this episode include a few changes that Progressive, National General and Safeco are making.

A look at classic holiday movies from an Insurance perspective

Staying safe on Thanksgiving

Recently we have seen a trend were homeowners who live in a condo complex are seeing that the coverage the association provides has changed

The last few years has seen high increases in insurance premiums following the high inflation around building cost and an increase in large scale losses. Insurance companies hit a few years of high losses that lead to these increases. The large companies adjusting to weather the storm and many of the smaller companies closing their doors. After years of increases however companies are starting to record high levels or profit.

It is official that La Nina has officially hit! In this podcast I will discuss what characterizes La Nina, how it impacts Arizona and how it can impact the rest of the US.

This week I will discuss insurance fraud and how it impacts you

In insurance when there is a large-scale event that causes claims like a hurricane or hailstorm it is called a CAT claim. In this podcast we won't talk about those types of claims, in this podcast we will talk about a claim caused by actual cats.

In this podcast I will discuss what a haboob is and how they form. I will review the advice given on Arizona's state website. I will then dispel a myth about haboobs. 

Discussing the risks of a home based business and how to get them covered

Information surrounding Earthquakes and Earthquake insurance

In this podcast we will discuss what a flood is, a little about the flood map, how you can get it covered, the difference between NFIP and private flood, as well as who should look into this type of coverage.

When we write a new home policy we often send out a disclosure to our clients. These have some helpful tips included in them. Included with it are things that if you change you should make sure you let your insurance agent know about. In this podcast I will discuss some of the things included in the disclosure as well as a few other things that you need to let your insurance agent know about if you change them.

In this podcast we will discuss what coverage extends, what coverage you must purchase separate as well as the coverage options offered with trailer insurance. 

Any type of insurance you get will have some kind of deductible involved with it. Most deductibles or money based but some may be time. In this podcast we will discuss what a deductible is, how they work and why they have them as well as some guidance as to what deductible you should purchase. 

The insurance industry has many generic forms that they use to write policies on near similar coverages. They have a short hand for those forms. In this podcast I will review the short hand for some of these forms and give you an overview of the form as well as give some insight as to what to keep in mind when you are purchasing one of these policies. 

In this podcast we will discuss what the coverage is and why I normally wouldn’t recommend it. 

In this I will discuss what it covers, who is most vulnerable to this type of loss, what it doesn’t cover, and some prevention tips

This week I will discuss personal injury coverage

This week I will discuss Home Cyber Insurance Protection Coverage. I will review some crime statitics, what this covers as well as how it covers followed by a few security tips. 

Information on service line coverage a common addition to homeowners insurance.

A look at the forecast for wildfires in AZ for 2025 and some prevention information.

This week I will discuss what the financial rating means, how to read it and why it matters.

The basics of auto insurance.

A base level overview of homeowners insurance

Numbers are in and looking good!

I discuss what it is and who should consider it

I discuss why you need Mexico insurance, what to expect if you are in an accident in Mexico and some of the coverages offered by our carrier for Mexico Insurance Mexipass.

We discuss a few of the different telematics programs available

I discuss the information given to us at the Travelers Roadshow

Listen to a brief overview of our three new carriers, Covertree, Commonwealth, and Foremost Premier

The limitations to personal property coverage on your home, renters or land lord policy

A look into why you may want a collector vehicle policy

This episode is about when a carrier may ask for more information AFTER a policy has been issued

In this episode we discuss what an non-admitted carrier is and when to use them.

Some general guidelines as to when you should file an insurance claim

This week we will discuss Replacement Cost Coverage vs Actual Cash Value and the trend toward a roof material payment schedule on home insurance policies.

4 reasons your insurance is higher than it used to be