B.W. BAKER INSURANCE SERVICES

Proudly Insuring Malibu and the surrounding areas for over 35 years

Personal Insurance

• Home

• Fair Plan

• Wrap Around

• High Value

• Difficult to Insure

• Renters

• Flood

• Earthquake

• Auto

• Umbrella

Services offered:

Commercial Lines

• Business Owners

• Workers Compensation

• Liability

• Cyber

• Commercial Auto

• Business Income

• Business Interruption

• Errors and Omissions

• Bonds

• Building Coverage

• Associations

Health & Wellness

• Life Insurance

• Medicare Supplements

• Long Term Care

• Disability

• Health Plans

• Guaranteed Income

• Annuities

• Estate Tax Funding

• Tax Free Retirement Income

What types of coverage should I have for my home?

To start, you need a policy that covers your home with enough to rebuild. If you don’t know what the amount is, your agent can help. Many carriers will inspect after binding and will prepare a figure as well.

Home policies do not cover earthquake or flood. Both are readily available. Most home policies can be endorsed for workers compensation. This will cover employees like maids and gardeners.

If you have art and jewelry, talk to your agent and make sure they’re covered. If you have any stand-alone structures such as a guesthouse or pool cabana, talk to your agent and make sure you have enough separate structure coverage. This will also include gates, fences and hardscape.

Umbrella Coverage

This coverage is a must. It used to be a million dollar umbrella was a lot of coverage. Not anymore. It’s not uncommon to see liability claims exceed 5 million and higher. Consider an umbrella to be asset protection. It’s one of the least expensive coverages you can buy for what you get. Be sure you have uninsured motorist too. Protect yourself and passengers in your car, in case the other driver isn’t insured properly.

Flood Insurance

A flood policy can go up to 250,000 for the home and 100,000 for contents. Excess flood is available in case this isn’t enough.

Life Insurance

Everyone is quick to acknowledge the importance of Auto, Home, Umbrella, etc…but Life Insurance is equally as important. When it comes to Life insurance, there are multiple types of policies: Term, Permanent, Investing, Funeral Expenses, Business Protection and more. It can be overwhelming to choose the protection best for you.

It is important that you have the right amount and the right product so you don’t have any surprises before it’s too late!

BW Baker Insurance Services Inc.

29169 Heathercliff Rd. Ste 208

Malibu, CA 90265

Phone 310.457.5092

Fax 310.457.6225 bwbaker.com

With the start of 2023 we set our sights on not only Malibu, but also some of our favorite travel destinations around the world — both near and far. From the lush jungles of Costa Rica and the rugged Channel Islands to the historic city streets of France, we have no doubt that our travel issue will have something of interest for any traveler. Find all of our favorite destinations for 2023 on page 96.

Sticking with the theme of travel, we are thrilled to be featuring Kristin Karst and Rudi Schreiner, owners of Calabasas-based AmaWaterways on our cover. The dynamic duo has been curating exotic river cruises for guests all over the world for years now, and are without a doubt one of the best at what they do (page 86).

Of course, we can’t spend all of our time traveling. We take a look at some of the harder hitting topics that Malibu faces such as the continued dangers of PCH. We catch up with Michel Shane, who recently came out with a documentary titled 21 Miles following the tragic death of his daughter, Emily Shane, nearly 13 years ago now (page 60). And we take a moment to remember Andrea Bullo, co-owner of Moonshadows, and his 13-year old son Marco Bullo, who were both killed in a collision in Woodland Hills in November (page 48).

We’re taking a look at some of the other biggest issues in Malibu as well, including its unprecedented decrease in full-time residents over the past ten years. Check out our investigation into the cause on page 126. Erosion has also long been another of the city’s biggest threats. A new project to rebuild a crumbling stretch of PCH is proving that after decades, we’re still not sure how to fight coastal erosion in the long run (page 54).

For something a little lighter, check out our story on the fascinating histories of five iconicly weird Malibu locales (page 132).

Here’s to a fantastic year!

5,000+ 7,000+ Subscribers

26

People Events Roundup

Coverage from some of the best local events of the fall, plus People We Love featuring Wailani O’Herlihy and Robert Kerbeck.

48

MEMORIAL ANDREA & MARCO BULLO

Malibu mourns the tragic loss of Andrea Bullo, long-time restaurateur and co-owner of Moonshadows and his 13-year-old son Marco.

52

City Council The Newest Members

We take a look at what City Council newcomers, Marianne Riggins and Doug Stewart have planned for Malibu.

54

Erosion Lessons At Big Rock

The Big Rock Slope Restoration Project was supposed to be permanent. Like many erosion fixes, it turns out it has an expiration date.

60

21 Miles Pch Documentary

Like clockwork, pedestrians and motorists are injured and killed on PCH. Michel Shane’s documentary 21 Miles digs deep into the problem.

66

SMC CAMPUS OPENING & CLASS SCHEDULE

After years of construction, SMC Malibu will open this spring. We take a first look at the new campus and course offerings.

82

WORLD MARATHON MALIBU CONTENDERS

Two longtime Malibu friends embark on one of the planet’s toughest physical challenges: the World Marathon.

86

COVER AMA WATERWAYS

Award-winning rivercruise company, Ama Waterways offers travelers luxurious cruises through Europe, Africa, Asia, and South America.

96

TRAVEL WHERE TO GO IN 2023

2023 is about embarking on an adventure, and we’ve compiled all the places to do it, from a SoCal Park to the Costa Rican rainforest.

126

COMMUNITY SHRINKING MALIBU

Malibu’s full-time population has decreased by nearly 15% over the last decade. What’s behind the unprecedented fall?

132

WEIRD MALIBU HIDDEN HISTORY

For locals, a handful of odd buildings and homes are the real Malibu landmarks. Here’s the history behind five of our favorites.

138

Real Estate Home Of The Month

A modern Point Dume estate with coveted Riviera 2 beach access and a seaside villa near the Bluffs are some of our favorite new homes.