Insurance Hour with Karl Susman

Karl Susman

Insurance Hour makes the daunting world of insurance understandable for everyone. Karl cuts through the red tape and jargon so that you can understand insurance coverage and how insurance can work for you. d. And, he makes it fun!

With guests from the legislators and regulators who are making the decisions that impact your wallet, to listener calls about everything from pet insurance to insuring classic cars, Insurance Hour is an entertaining way to learn about insurance and make the best decisions for your home, car, and life.

Karl Susman is a 30-year insurance agency owner, in-demand media commentator and analyst, legislative consultant, and expert witness in state, federal and criminal courts across the United States.

Available on all podcast platforms, as well as great radio stations such as KEIB, KTRB, KCBQ, KCAA, KFBK, KMET, KZSB.

For more information about "Insurance Hour" and its programming, please reach us at pr@insurancehour.com

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Episodes

Navigating Legal Traps in Personal Injury Claims: Expert Tips from Dennis Beaver
Yesterday
Navigating Legal Traps in Personal Injury Claims: Expert Tips from Dennis Beaver
In this episode of "Insurance Hour," host Karl Susman sits down with Dennis Beaver, an experienced civil litigation attorney, to discuss the intersection of law and insurance. They delve into the common pitfalls consumers face when dealing with personal injury claims and the importance of selecting the right attorney. Beaver highlights the dangers of "personal injury mills," law firms that prioritize quick settlements over client welfare, often leading to inflated medical bills and abandoned cases. The discussion emphasizes the value of hiring local, reputable lawyers and avoiding firms with aggressive advertising tactics. Additionally, they touch on the broader impact of frivolous claims on insurance premiums and the critical importance of honesty in insurance 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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Clarifying Coverage: Navigating the Complexities of Insurance with Karl Susman
May 14 2024
Clarifying Coverage: Navigating the Complexities of Insurance with Karl Susman
In this episode of "Insurance Hour," host Karl Susman delves into a wide range of insurance-related topics through listener calls and emails. The show focuses primarily on common concerns and misconceptions about various types of insurance policies, including home, auto, and health insurance. Karl addresses specific listener questions about insurance terminology, coverage details, and policy comparisons, providing clarifications and advice. Additionally, he discusses the broader insurance landscape in California, highlighting challenges like regulation updates and market constraints. The episode is informative and interactive, with Karl responding directly to the audience's real-time inquiries.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Securing Your Sanctuary: Revolutionizing Home Insurance with Faura.us CEO, Valkyrie Holmes
May 7 2024
Securing Your Sanctuary: Revolutionizing Home Insurance with Faura.us CEO, Valkyrie Holmes
In this episode of "Insurance Hour," host Karl Susman explores innovative insurance solutions with special guest Valkyrie Holmes, co-founder of Faura. Faura is a pioneering company that uses data analytics to help homeowners and insurance agencies mitigate risks associated with natural disasters like wildfires and hurricanes. The platform allows users to conduct property assessments using their smartphones to evaluate risk factors and improve resilience. This technology is especially beneficial in areas prone to natural disasters and helps in obtaining better insurance policies and potentially lowering premiums. The show delves into the functionality of the Faura platform, the future of home insurance, and the broader impact of technology on the 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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Steering Through Costs: Smart Ways to Reduce Your Auto Insurance Premiums
Apr 30 2024
Steering Through Costs: Smart Ways to Reduce Your Auto Insurance Premiums
In this engaging episode of "Insurance Hour," host Karl Susman focuses on demystifying auto insurance for Californians. He tackles common concerns and questions about why auto insurance rates continue to rise despite aging vehicles and increasing driving experience. Karl breaks down the impact of vehicle types, including EVs and SUVs, on insurance costs and offers practical tips on how to reduce personal auto insurance premiums. He explains the importance of comparing insurance rates, bundling policies, and maximizing discounts through proactive measures like defensive driving courses. The episode is rich with advice aimed at helping listeners navigate their insurance options more effectively and economically.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Revolutionizing Insurance: Cody Eddings & SnapRefund's Tech Breakthroughs
Apr 23 2024
Revolutionizing Insurance: Cody Eddings & SnapRefund's Tech Breakthroughs
The episode focuses on the insurance technology sector, particularly on how financial technology can improve efficiencies in insurance transactions. The guest, Cody Eddings, co-founder of SnapRefund, discusses the origins and mission of his company, which aims to revolutionize insurance payouts and agency billing through two main products: ClaimSnap and AgentSnap. The discussion details the challenges and solutions in deploying modern financial services to enhance the speed and reliability of insurance-related financial transactions, aiming to benefit both consumers and providers by integrating advanced payment technologies.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Navigating the Currents: Insurance Market Challenges w/ Deputy Insurance Commissioner MICHAEL SOLLER
Apr 16 2024
Navigating the Currents: Insurance Market Challenges w/ Deputy Insurance Commissioner MICHAEL SOLLER
The episode primarily focuses on insurance-related challenges in California, featuring Karl Susman as the host and Michael Soller, Deputy Insurance Commissioner, as the guest. The discussion highlights the current state of the insurance market in California, particularly addressing the non-renewal of policies by major providers like State Farm, and the broader impact on consumers. They delve into the role of the California Department of Insurance, initiatives to stabilize the market, and efforts to enhance consumer protections and understanding. The challenges faced by the California FAIR Plan, which provides last-resort insurance, are also explored.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
California's Insurance Crossroads: Navigating the Uncharted Waters of Coverage Crisis
Apr 9 2024
California's Insurance Crossroads: Navigating the Uncharted Waters of Coverage Crisis
This episode of "Insurance Hour" with Karl Susman unpacks the tumultuous state of California's insurance industry, spotlighting the strategic withdrawal of major insurers and the mounting strain on the California Fair Plan Association. Amidst a backdrop of regulatory rigidity and climatic volatility, the episode articulates a critical juncture for the industry, advocating for a recalibrated approach to insurance that is both forward-looking and consumer-informed.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Unlocking the Mysteries of Insurance: Guidance and Insights for Californians
Apr 2 2024
Unlocking the Mysteries of Insurance: Guidance and Insights for Californians
In this episode of "The Insurance Hour," host Karl Susman delves into the complexities of insurance, aiming to demystify policies for Californians. The show covers a broad spectrum of insurance-related topics, including maximizing benefits, saving money, handling claims, and the nuances of interacting with agents, brokers, and insurance companies. A significant portion of the discussion focuses on the inherent frustration many people feel towards insurance due to its mandatory nature, particularly concerning property and auto insurance. Karl also addresses common misconceptions and challenges policyholders face, such as understanding coverage limits, the importance of maintaining proper insurance, and strategies for minimizing risk and avoiding claims. Through engaging stories and expert advice, Karl seeks to educate listeners, making the daunting world of insurance more accessible and less intimidating.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Insurance, ReInsurance & InsureTech (with guest Randel Bennett)
Mar 26 2024
Insurance, ReInsurance & InsureTech (with guest Randel Bennett)
The episode covers a discussion on the insurance industry between host Karl Susman and guest Randel Bennett. They analyze issues facing property and casualty insurance, focusing on rising reinsurance costs and reduced availability driving rate increases. Details are provided on reinsurance concepts and trends, including reduced capacity, requirement for more insurer capital contributions, and layering costs from multiple reinsurers. They also discuss Florida's insurance crisis with insolvent private carriers. The talk covers InsureTech startups aiming to innovate with technology but facing high failure rates recently. Main takeaways are increasing reinsurance expenses, reduced affordability, and need for consumer education on insurance as a safety net rather than savings.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Governance Meets Insurance: Das Williams on Building Resilient Communities
Mar 19 2024
Governance Meets Insurance: Das Williams on Building Resilient Communities
In this engaging episode of "The Insurance Hour," host Karl Susman welcomes Das Williams, the esteemed County Supervisor for the Santa Barbara area, for an in-depth discussion. The conversation covers a wide range of topics, from Das Williams' key initiatives and achievements in office to how local policies can impact insurance rates and community safety. Listeners will gain valuable insights into the intersection of local governance, community development, and the insurance industry, all while being entertained by the dynamic interaction between Karl and his guest. This episode not only informs and educates but also provides a unique perspective on the importance of local government in everyday life.Introduction to the Episode - A brief overview of what listeners can expect, including the introduction of special guest Das Williams.Das Williams: Background and Role - An exploration of Das Williams' background, role as County Supervisor, and his initiatives for Santa Barbara.Impact of Local Governance on Insurance - Discussion on how local governance and policies affect the insurance industry and rates.Community Development and Safety - Insights into community development efforts and safety measures in Santa Barbara.Q&A with Das Williams - A segment dedicated to questions from the host or audience, providing deeper insights into Williams' views and plans.Conclusion and Takeaways - Summarizing the key points discussed in the episode and closing remarks from the host and guest.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Navigating the New Normal: Insurance Insights with Karl Susman
Mar 12 2024
Navigating the New Normal: Insurance Insights with Karl Susman
In this episode of "The Insurance Hour," host Karl Susman delves into a variety of topics related to insurance, focusing primarily on educating Californians about navigating their insurance needs amidst changing weather patterns and rising costs due to inflation. The show covers the recent wildfires in Texas and their insurance implications, the importance of being properly insured, and tips for reducing insurance premiums. Karl also addresses listener questions, including whether retired people can purchase life insurance and the specifics of jewelry coverage on insurance policies. Moreover, the episode explores smart devices for home safety, deductible strategies for lowering insurance premiums, and the significance of understanding and utilizing insurance policies effectively.Chapters:Introduction to Insurance Hour - 00:00:00Karl introduces the show, its mission, and ways to contact during the episode.The New Normal in Weather and Its Insurance Implications - 00:02:00Discussion on unusual weather patterns like the Texas wildfires and their insurance implications.Listener Interactions: Immediate Insurance Assistance - 00:06:00Karl explains how listeners can get immediate help with their insurance questions.Understanding Insurance Premiums Amidst Inflation - 00:10:00Analysis of how inflation affects insurance premiums across different states.Reducing Your Insurance Premiums - 00:20:00Karl shares tips and strategies for lowering property and auto insurance costs.Q&A: Life Insurance for Retirees - 00:30:00Karl addresses a listener's question about life insurance options for retired individuals.Smart Home Devices for Insurance Discounts - 00:40:00Discussion on how smart devices can help in reducing home insurance premiums.The Importance of Choosing the Right Deductibles - 00:45:00How higher deductibles can lead to lower premiums and fewer minor claims.Q&A: Jewelry Coverage on Insurance Policies - 00:50:00Exploring the specifics of how jewelry is covered under various insurance policies.Closing Remarks and How to Navigate the Insurance Market - 00:55:00Karl wraps up the episode with final thoughts and encourages listeners to be proactive in understanding and managing their insurance policies.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Safeguarding Communities: The Intersection of Insurance and Firearm Safety
Mar 5 2024
Safeguarding Communities: The Intersection of Insurance and Firearm Safety
The podcast episode titled "Insurance Hour" from March 1, 2024, features host Karl Susman discussing with special guest Senator Catherine Blakespear her newly introduced legislation, AB 3067, which aims to promote safe firearm storage by requiring insurance companies to inquire about gun ownership and storage practices from policyholders. The discussion highlights the bill's focus on enhancing public safety through insurance market dynamics, parallels drawn between firearms and automobiles in terms of safety and insurance, and the potential for insurance to play a role in reducing gun-related incidents by incentivizing safe storage practices.CHAPTERS:### 1. Introduction and Guest Welcome**[00:00]**Karl Susman introduces the show and special guest Senator Catherine Blakespear, highlighting the focus on new legislation AB 3067 related to insurance and safe firearm storage.### 2. Overview of AB 3067**[02:16]**Senator Blakespear explains the intent behind AB 3067, requiring insurance companies to inquire about gun ownership and storage practices, aiming to improve public safety through safer firearm storage.### 3. Importance of Safe Firearm Storage**[08:46]**Discussion on the significance of safe storage in preventing accidents and unauthorized access, including the role of insurance in promoting safety measures.### 4. Legislation Impact on Insurance and Public Safety**[15:31]**Exploration of how AB 3067 leverages insurance market dynamics to encourage safer gun storage, with parallels drawn to automobile insurance and public health models.### 5. Q&A: Addressing Public Concerns**[22:01]**Addressing common questions and concerns about the legislation, including the registration process, insurance policy adjustments, and potential impacts on gun owners.### 6. Discussion on Market Forces and Insurance Behavior**[27:46]**Further discussion on how the bill could influence insurance company practices and market forces to prioritize safety and risk management related to firearms.### 7. Closing Remarks and Contact Information**[33:01]**Karl Susman and Senator Blakespear wrap up the discussion, thanking listeners and providing contact information for further inquiries about AB 3067.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Firearms and Insurance: Navigating California's New Proposal
Mar 3 2024
Firearms and Insurance: Navigating California's New Proposal
This episode of "Insurance Hour" delves into the nuances of home insurance in California, highlighting the introduction of Assembly Bill No. 3067. This proposed legislation mandates additional questions for insurance applications, specifically concerning the existence and storage of firearms in homes. The show discusses the implications for insurance premiums, the potential for increased scrutiny on gun ownership, and the broader legislative intent behind collecting such data. It emphasizes the importance of honesty in insurance applications and speculates on how insurers might use this information. The segment aims to inform Californians about upcoming changes in insurance policy requirements and encourages engagement with legislative developments.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Apple Vision Pro is changing the world... of Insurance - with guest Robert Scoble
Feb 27 2024
Apple Vision Pro is changing the world... of Insurance - with guest Robert Scoble
This episode of "Insurance Hour" from February 23, 2024, features a detailed discussion with Robert Scoble about the intersection of technology and insurance, particularly focusing on the implications of new tech, like Apple Vision Pro and Tesla's innovations, on insurance policies and claims. The conversation delves into the advancements in digital twins, the use of augmented reality in everyday life, and the future of tech integration in various industries, including the potential for insurance adjustments and claims processing through augmented reality. The dialogue also touches on the broader impact of technology on consumer behavior, product development, and industry shifts, especially in the context of insurance and automotive sectors.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Social Inflation Unveiled: The Hidden Force Driving Insurance Costs
Feb 24 2024
Social Inflation Unveiled: The Hidden Force Driving Insurance Costs
This episode of "Insurance Hour" explores the concept of social inflation and its impact on insurance claims and premiums. It explains how cultural shifts in attitudes towards insurance claims contribute to higher payouts and, consequently, higher premiums. The episode suggests a societal need to reconsider our approach to insurance, emphasizing insurance as protection for significant losses rather than a refund mechanism. This change in perspective is proposed as a solution to mitigate the effects of social inflation.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Insuring the Future: Navigating Social Inflation, Classic Cars, and More
Feb 20 2024
Insuring the Future: Navigating Social Inflation, Classic Cars, and More
This episode of "Insurance Hour" hosted by Karl Susman on February 16, 2024, dives deep into the nuances of insurance, focusing on social inflation, classic car insurance, pet insurance, and advice for tech startups and mechanics regarding insurance needs. Karl explains social inflation as the rising costs of insurance claims driven by societal attitudes towards litigation and responsibility, not natural disasters or accidents. The show features engaging discussions with callers seeking advice on topics like Errors & Omissions insurance for startups, the benefits of long-term customer loyalty to insurance companies, specifics of garage insurance for mechanics, and the considerations for classic car insurance. Additionally, Karl touches on the emotional and financial aspects of pet insurance for older dogs.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Mastering the Claims Game: Navigating Insurance Adjusters with Ease
Feb 17 2024
Mastering the Claims Game: Navigating Insurance Adjusters with Ease
The "Insurance Hour" episode delves into the complexities of dealing with difficult claims adjusters, offering insights and advice for Californians navigating insurance policies. The show aims to demystify the insurance claims process, providing listeners with practical strategies to effectively communicate with adjusters, understand their rights, and ensure fair treatment. Through expert interviews and listener stories, "Insurance Hour" empowers its audience with knowledge on advocating for themselves during the often daunting insurance claim process.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
"Stormproof Your Life: Navigating Insurance Claims in Extreme Weather" Insurance Hour 02-09-2024
Feb 13 2024
"Stormproof Your Life: Navigating Insurance Claims in Extreme Weather" Insurance Hour 02-09-2024
The "Insurance Hour" podcast episode from February 9, 2024, hosted by Karl Susman, covers essential tips and advice on managing insurance claims following severe weather events affecting both the West and East coasts of the United States. The show focuses on practical steps for policyholders to prepare for and respond to storms, including how to safeguard properties, manage power outages, and deal with vehicle protection. Additionally, it offers guidance on when to file insurance claims, emphasizing the importance of understanding policy specifics in the face of increasing weather-related challenges and the intricacies of dealing with claims adjusters. The episode serves as a comprehensive guide for navigating the complexities of insurance claims during catastrophic events, with an underlying message of kindness and patience towards claims adjusters.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Rising Tides of Auto Insurance: Navigating the Surge
Feb 10 2024
Rising Tides of Auto Insurance: Navigating the Surge
This mini-episode Insurance Hour podcast delves into the notable uptick in auto insurance premiums, pinpointing reasons behind these surges like rising repair costs and increased claims. It explores regulatory challenges, particularly in California, where existing laws limit insurers' ability to price products based on comprehensive risk assessments. This situation leads to broader premium hikes affecting all drivers. The episode advocates for legislative changes to allow more nuanced risk-based pricing, potentially benefiting consumers with lower 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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...
Insurance Insights: Navigating Coverage Queries with Karl Susman
Feb 6 2024
Insurance Insights: Navigating Coverage Queries with Karl Susman
"Insurance Hour" hosted by Karl Susman is a dynamic and educational show aimed at demystifying insurance for Californians. In this episode, Karl focuses on answering listener and viewer questions, covering a wide range of topics from the necessity of keeping insurance on infrequently used vehicles, to the factors affecting car insurance rates, the essentials of rental car coverage, and the intricacies of gap insurance. The show provides valuable insights into the complexities of insurance, offering practical advice and solutions to common concerns and questions. With a mix of expert guidance and listener interactions, the show helps viewers navigate the often-confusing world of insurance policies, ensuring they are well-informed and prepared.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 syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca 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@insura...