Insurance Hour
By Karl Susman
Categories: Business, Investing
Insurance Hour with Karl Susman is the must-listen podcast for anyone searching for trustworthy, actionable insurance guidance — whether you’re a policyholder, agent, small business owner, homeowner, renter, or simply need insurance clarity. Hosted by industry veteran Karl Susman, a 30-year insurance agency owner, media commentator, legislative consultant, and expert witness, Insurance Hour cuts through the confusion, jargon, and fear to deliver straight answers on insurance coverage, premiums, claims, and risk management.
316 episodes indexed on PodSearch.
Recent episodes
- This One Annual Insurance Check Could Save You Thousands
Most people don't think about their insurance - until they desperately need it. In this episode of Insurance Hour, host Karl Susman explains why reviewing your insurance policies at least once a year is essential to protecting your finances and your future. From homeowners and renters insurance to…
- Insurance Hour – Listener Q&A Special: Real Questions, Real Answers for California Consumers
In this packed episode, host Karl Susman dives into a full session of listener-submitted insurance questions—covering everything from soaring homeowner premiums to confusing deductible structures, rental exposures, wildfire smoke damage, teen driver rate shock, condo coverage misconceptions, and…
- Wildfires, Water Damage & INSANE Premiums: The Shocking Truth Behind Prop 103
California's insurance market is in turmoil — and homeowners are feeling the impact. In this episode of Insurance Hour, host Karl Susman unpacks the complex factors driving skyrocketing premiums, shrinking coverage options, and the growing confusion facing consumers across the state. Karl explains…
- Wildfire Chaos, Insurance Shakeups, and Shocking New Rules You Probably Weren't Told About!
Summary The video features Karl Susman hosting "Insurance Hour," where he discusses recent insurance-related legislation in California. He analyzes numerous bills that have been passed or are going into effect, focusing on their impact on insurance premiums and coverage. Sussman expresses…
- The Complete Guide to Homeowners Insurance — Understanding Coverage A to F
Why Understanding Your Homeowners Policy Matters Homeownership is one of the cornerstones of the American dream — but it's also one of the biggest financial responsibilities most people will ever take on. Protecting that investment isn't just about having an insurance policy; it's about having the…
- Why Insurance Premiums Keep Rising — The Hidden Economics Behind the Cost of Coverage
The Frustration Behind the Bill: Why Your Insurance Costs Keep Climbing If you've opened your insurance renewal notice lately and felt a pang of frustration, you're not alone. Across the country, policyholders are watching their premiums rise — sometimes sharply — and wondering: What changed? As…
- Insurance Company Failures: Why They Happen and What It Means for Consumers
When Insurance Companies Go Under: The Hidden Risk in a Trusted Industry Most people think of insurance companies as unshakable institutions — financially strong, tightly regulated, and always ready to pay claims. But as Karl Susman explained on Insurance Hour, even insurers can fail. While rare…
- Understanding How Insurance Works — The Hidden Mechanics Behind Your Premiums
The Foundation of Insurance: Sharing Risk for Stability Insurance isn't just a bill you pay every month — it's one of the oldest and most practical financial tools ever invented. As Karl Susman explained in Insurance Hour, the essence of insurance lies in its design: to spread risk so individuals…
- The Truth About Rising Auto Insurance Costs — And What You Can Actually Do About It
Why Your Insurance Costs Keep Rising — Even as Your Car Gets Older Many drivers assume that as their car depreciates in value, their insurance premium should automatically go down. After all, if the car is worth less, shouldn't it cost less to insure? The reality is more complicated. Your premium…
- Demystifying Insurance: From Quotes to Claims — What Every Consumer Should Know
1. The Hidden Trap of Online Insurance Quotes In today's digital-first world, most consumers start their insurance shopping with a quick Google search — something like "best auto insurance quotes." But as Susman explains, what many people don't realize is that the top search results are often not…
- Understanding Insurance Resentment — Why We Resist What Protects Us
Insurance. It's a word that rarely inspires enthusiasm. For most people, it represents another bill, another obligation, another reminder that life comes with risks. Yet, as Karl Susman explains in his episode of Insurance Hour, this aversion to insurance often masks a deeper misunderstanding…
- When Coverage Fails: Eustis Bridge Collapse Leaves Residents Stranded
When Coverage Fails: Understanding Insurance Gaps After the Eustis Bridge Collapse When disaster strikes, most homeowners turn to their insurance providers for help. Whether it's storm damage, fire, or flooding, insurance is meant to act as a financial safety net. But what happens when the damage…
- Shutdown Shockwaves: Flood Insurance Paused, Housing Market Jitters
When the Flood Insurance Flow Stops: How FEMA's Shutdown Freeze is Rippling Through Real Estate and Housing Markets When the federal government shuts down, the headlines often focus on furloughed workers, closed parks, or delayed paychecks. But this time, another critical consequence has emerged —…
- KCal News Aug 13th 2025
California's Insurance Crossroads: Can a Grassroots Ballot Initiative Fix a Broken Market? California's insurance market is in crisis. Homeowners are struggling to find coverage, insurers are retreating from wildfire-prone regions, and regulatory bottlenecks are freezing premium approvals. Amid…
- To The Point Aug 12 2025
California's Insurance Market at a Crossroads: New Ballot Initiative Seeks to Repeal Proposition 103 California's insurance crisis has hit a boiling point—and the next big showdown may come not in the legislature, but at the ballot box. This week, a new initiative called the California Insurance…
- Proposition 103 Is Broken: Why California's Insurance Crisis Is About to Explode
Proposition 103 Is Broken: How California's Insurance Crisis Reached a Breaking Point When Proposition 103 passed in 1988, it was hailed as a triumph for consumers—a law that promised lower rates, greater fairness, and tighter oversight of "greedy" insurance companies. Nearly four decades later…
- auto coverages
Understanding Auto Insurance Coverages: What Every Driver Should Know Auto insurance is one of those necessities most people purchase out of obligation — to satisfy state laws, lenders, or lease requirements. But few truly understand what they're paying for or how their coverage works when it…
- 5 Reasons People Dislike Insurance Companies
Five Reasons People Dislike Insurance Companies — and What Needs to Change Let's be honest — few people have warm feelings about their insurance company. Whether it's homeowners, auto, health, or life coverage, many consumers view insurance as a necessary evil: something you have to buy, rarely…
- How to get an insurance claim denied
How to Get an Insurance Claim Denied — And How to Avoid It Nobody ever plans on having an insurance claim denied. But every year, thousands of homeowners, drivers, and business owners find out the hard way that insurance coverage isn't guaranteed — it's conditional. When you buy insurance, you're…
- Why You're Required to Buy Insurance: Protecting Lenders' Interests Explained
Why You're Required to Buy Insurance: Understanding How It Protects Lenders—and You Have you ever wondered why insurance feels like something you're forced to buy? Whether you're financing a car, buying a home, or leasing commercial property, there's always a condition attached: you must carry…
- Insurance Buying Guide: Agent, Broker, or Direct - Which Is Best for You?
Insurance Buying Guide: Agent, Broker, or Direct — Which Is Best for You? Buying insurance used to be simple — you called your local agent, filled out a few forms, and got covered. Today, consumers have more choices than ever: traditional agents, independent brokers, and direct-to-consumer…
- How Politics Shapes Your Insurance: Understanding Policy Impacts on Premiums and Coverage
How Politics Shapes Your Insurance: Understanding Policy Impacts on Premiums and Coverage When most people think about insurance, they think of personal choices — which company to use, what deductible to select, and how much coverage to buy. But behind every insurance policy lies another, often…
- Never ask for full coverage insurance
Why You Should Never Ask for "Full Coverage" Insurance — and What to Ask Instead When most people walk into an insurance office or call an agent, they often begin the conversation with the same phrase: "I want full coverage." It sounds reasonable. After all, who wouldn't want their car, home, or…
- Homeowners Insurance: What It Won't Cover on Farm Properties
Homeowners Insurance: What It Won't Cover on Farm Properties — And Why It Matters When you own a property that blends residential living with farm activity, you quickly learn that "homeowners insurance" and "farm insurance" are not the same thing. The differences aren't just in terminology — they…
- How to Make Money and Build a Career in the Insurance Industry
How to Make Money and Build a Career in the Insurance Industry For many professionals, a career in insurance doesn't start with a grand plan — it starts by accident. Maybe you took a customer service role at an agency, joined an underwriting team at an insurer, or stumbled into claims work after…
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