Author Posts

The Pandemic Continues – We’re going to need some help

While the new normal may not be “normal”, families have had to develop coping strategies to manage all the extra activities associated with Shelter In Place.   And for many, this means hiring more household helpers.  From nannies to housekeepers to gardeners to home health workers, we’re getting lots of questions about the insurance issues […]

Earthquake Preparedness is Good for Fire Safety Too!

Because of all the changes in the home insurance market, my articles for the past year have focused on fire safety, fire insurance and changes in the insurance industry.  People ask me questions like “when is this going to change?”, “will we ever be able to get normal home insurance again?”, “should I sell my […]

Hindsight is 2020

Wow, how quickly the calendar turns from one year to another.  We say good bye and good riddance to 2020, and to all of its challenges.  And we greet 2021 with all its promise of better days ahead – a COVID vaccine, a new administration in Washington, maybe some much needed rain, all signs of […]

Understanding Surplus Lines Insurance Policies

By Ruth Stroup Surplus Lines: Purchased through a broker Require Inspections Multi-lines discounts not available Rates can change at renewal time People get nervous when I tell them they will need insurance from a Surplus Lines company. In practice, the policy is similar to any other policy. There’s coverage for your home and personal property, [...]

How to insure a “hard to insure” property

By Ruth Stroup Carrier Options are the key: Preferred Carriers Specialty Carriers Surplus Lines Carriers California FAIR Plan Whether you’re shopping for a new home, or facing a notice of non-renewal, you may find yourself in a situation where it’s difficult to get a new insurance policy. Common situations that require a special approach to [...]

What is a “Difference in Conditions” endorsement for a home insurance policy?

By Ruth Stroup Difference In Conditions: A blended approach Covers "difficult to insure" properties Fire and Smoke covered by CA FAIR Plan The CA FAIR Plan is an insurance pool established to assure the availability of basic property insurance to people who own insurable property and who, beyond their control, have been unable to obtain [...]

Insurance for a New Driver

Contributing Factors: Vehicle Selection Number of drivers in the family Discounts They grow up so fast! It seems like yesterday that your child was taking their first steps, then riding a bike, and now your baby is a teenager who wants to learn to drive. As an insurance agent, we find that parents worry about [...]

Why is it so difficult to get Homeowners Insurance in the Oakland/Berkeley Hills?

By Ruth Stroup Contributing Factors: More extreme weather events Increased claims due to deferred maintenance Building costs skyrocketing Have you or your neighbors found yourself scrambling to find new insurance? For the past year, we’ve heard from many folks in the hills that they were having problems with their insurance. What in the past was [...]

4 Ways Life Insurance Can Save Your Business

Did you know that the majority of people who own a life insurance policy receive it from their employer, rather than own their personal policy? 108 million people were covered by an employer plan, as opposed to the 102 million covered by a policy the personally own, according to a 2017 LIMRA study.  That’s great news [...]

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Ruth Stroup Insurance Agency
3560 Grand Ave
Oakland, CA 94610
License #:0M13985


Fax: (510) 740-8815


M-Th 9am – 7p
F 9am-6
Sat 10-3
Sunday closed

Evening and weekend by appointment

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