Claim OwnershipInsurance Hour with Karl Susman
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© 2025 Insurance Hour with Karl Susman
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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.
For more information about Insurance Hour and its programming, please reach us at pr@insurancehour.com.
96 Episodes
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SummaryThe episode covers a discussion between host Karl Susman and Assembly member Heath Flora about two significant California insurance bills. The first bill, AB 637 (Deceptive Disaster Relief Advertising Act), requires disclosure from for-profit entities soliciting business after disasters. Flora, drawing from his 15-year firefighting experience, explains how this bill addresses issues with 'ambulance chasers' who exploit disaster victims. The second bill, AB 1354, would allow Californian...
SummaryThe video covers an interview on Insurance Hour hosted by Karl Susman with special guest Daniel Berlant, who was appointed as State Fire Marshal by Gavin Newsom in October 2023. The discussion focuses on wildfire prevention, protection, and response in California. Berlant shares critical insights about home hardening, defensible space, and the new concept of 'zone zero.' He reveals that 95% of wildfires are caused by human activity, with only 5% caused by natural events like lightning....
SummaryThe video covers an episode of Insurance Hour hosted by Karl Susman, featuring an interview with California State Senator Ben Allen about proposed insurance legislation. The main focus is on SB 495, known as the 'Eliminate the List Act,' which aims to remove the requirement for total loss victims to provide itemized lists of lost contents when filing insurance claims. Senator Allen explains how this legislation was inspired by constituents' struggles following recent wildfires in the P...
SummaryThe video covers a detailed discussion by host Karl Susman on Insurance Hour about 10 new potential insurance laws being debated in Sacramento, California. The host analyzes each proposed legislation, focusing particularly on wildfire-related insurance reforms. Key topics include the California Safe Homes Act, Business Insurance Protection Act, and various other measures aimed at improving insurance accessibility and consumer protection. Susman provides detailed pros and cons for each ...
Summary The video covers a comprehensive discussion about insurance issues related to recent California wildfires, hosted by Karl Susman. The host addresses multiple aspects of wildfire insurance claims, including how to handle total loss situations, smoke damage claims, and the California Fair Plan. Key points include the estimated $50 billion in claim costs, the process for accessing federal disaster assistance through FEMA and SBA, and the current state of the insurance industry in Califo...
The video covers a detailed discussion about insurance claims and recovery processes following California wildfires, hosted by Karl Susman on Insurance Hour. He provides comprehensive guidance on various aspects of the insurance claim process, from initial filing to long-term recovery. Key topics include how to start insurance claims, documentation requirements, coverage for additional living expenses (with extended coverage mandated to 24 months by the Department of Insurance), handling smok...
2025 02 14 - The video covers a special episode of Insurance Hour hosted by Karl Susman focusing on scams and fraud targeting California wildfire victims. Broadcasting from a bunker rather than the studio, Susman details various fraudulent schemes emerging in the wake of the 2025 California wildfires, which he describes as potentially the largest natural disaster in U.S. history. He warns about common scams including fake government assistance offers, fraudulent contractors, price gouging in ...
SummaryThe video covers a detailed discussion about California wildfires and insurance implications, hosted by Karl Susman on Insurance Hour. The host provides critical information about consumer protections, including protection against non-renewal for 12-24 months in wildfire-impacted areas. He warns about numerous scams targeting wildfire victims, including fraudulent contractors demanding upfront deposits and fake federal assistance offers. Susman explains that legitimate federal assistan...
2025 02 07 - The video covers a detailed discussion about the California wildfires and their widespread impact, hosted by Karl Susman on Insurance Hour. Karl emphasizes that these wildfires may be the most costly disaster in U.S. history. He discusses various aspects including insurance claims processes, the California Fair Plan, and emerging scams targeting victims. Key points include the indirect economic impact on service workers and businesses in affected areas, the role of reinsurance in...
An in-depth discussion on Fox 11 News between host Hal Eisner and insurance expert Karl Susman about the unprecedented wildfire crisis in Southern California and its insurance implications. The conversation addresses multiple aspects of the crisis, from immediate response to long-term implications. Karl Susman, owner of Susman Insurance Agency, provides detailed insights about insurance claims processes, potential scams, and the future of insurance in California. Key points include the import...
This episode of Insurance Hour hosted by Karl Susman featuring special guest Debbie Bremner, a real estate expert with 48 years of experience in Los Angeles and Ventura County. The discussion focuses on the impact of California wildfires on the real estate market. Key topics include market dynamics, where Bremner notes that inventory has significantly decreased while demand remains high, potentially causing short-term price increases. She discusses consumer protections against price gouging, ...
In this episode of Insurance Hour, Karl Susman addresses a wide range of insurance-related questions from listeners. Topics include managing deductibles to lower premiums, deciding whether to place a teen driver on their own auto insurance policy, understanding the necessity of flood and earthquake insurance, and clarifying the differences between term and whole life insurance. Karl also emphasizes the importance of umbrella policies for liability protection and renters insurance for safeguar...
In this episode of Insurance Hour, host Karl Susman delves into the complexities of life insurance, offering an informative and balanced perspective without a sales pitch. The discussion covers the basics, history, and different types of life insurance policies, such as term, whole life, and universal life. Key topics include the pros and cons of life insurance, its primary purposes like income replacement and estate planning, and practical advice for selecting the right policy. Karl also hig...
In this episode of Insurance Hour with host Karl Susman, the discussion dives into a wide range of insurance-related topics, featuring listener questions and Karl's insightful answers. Key topics covered include: Adding parents to a homeowner's insurance policy.Navigating wildfire-related insurance challenges.Obtaining coverage for unique properties like tiny homes and classic cars.Understanding the nuances of earthquake insurance.Addressing service animal insurance needs.Exploring cyber insu...
In this episode of Insurance Hour, Karl Susman delves into a variety of listener-submitted insurance questions and provides detailed insights into navigating complex scenarios. Key topics include managing health insurance during unpaid leave, exploring mental health coverage, understanding earthquake insurance, and protecting personal assets during a move. Special segments cover cyber insurance, wedding insurance, and liability when renting out rooms or hosting short-term tenants. The show em...
In this episode of "Insurance Hour," host Karl Susman dives into listener-submitted questions about insurance complexities, ranging from business interruption insurance for small businesses, liquor liability for bar owners, and cyber insurance for startups, to specific policies like flood insurance, umbrella policies for homeowners, and coverage for high-value personal items. Karl provides actionable advice on navigating various insurance policies, emphasizing the importance of honesty and cl...
In this episode of "Insurance Hour," host Karl Susman answers listener questions on various insurance topics, providing insights and advice for consumers. Key discussions include the importance of commercial auto insurance for businesses, coverage options for home-based businesses, understanding the California Fair Plan for fire insurance, and the distinction between condo insurance and homeowners insurance. The episode also covers specialized insurance topics like cyber insurance, event liab...
In this episode of Insurance Hour, host Karl Susman dives into a wide range of insurance topics driven by listener questions. Topics include the benefits and limitations of critical illness insurance, the importance of adequate HOA insurance coverage, strategies to manage auto insurance costs for new drivers, and the essentials of pet insurance. The episode also explores niche insurance needs, such as renters insurance for high-value items, coverage for classic cars, and business insurance fo...
The latest episode of Insurance Hour, hosted by Karl Susman, takes listeners on an engaging journey through critical insurance topics. This episode tackles a variety of questions submitted by callers, covering issues such as the California FAIR Plan for high-risk homeowners, the nuances of flood and earthquake insurance, coverage options for cryptocurrency and rideshare drivers, and considerations for pet and disability insurance. Karl also delves into specialized topics like coverage for pho...
In this episode of Insurance Hour, host Karl Susman dives into listener-submitted questions, covering essential insurance topics relevant to California residents and beyond. The episode addresses critical insurance considerations such as earthquake insurance deductibles, umbrella policies for renters, flood insurance, and comprehensive versus collision auto coverage. Karl also explores nuances around business property coverage for home-based businesses, personal jewelry insurance, and GAP ins...
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