Eagle Harbor Insurance Blog

Eagle Harbor Insurance Blog

Bainbridge Island & Kitsap County Earthquake risk updates and insurance coverage options

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At Eagle Harbor Insurance we offer earthquake coverage for both your home and or business location/ building.

We have an agent on staff, Jenna Koehler, who specializes in both earthquake and also landslide coverage. Jenna can offer coverage for almost any home or building , including log homes, post and pier homes, homes on steep slopes, or simply the older home that is behind current building codes.

Please consider calling or emailing Jenna today to find out your current coverage options.


(206) 842 7410

** Here is some excellent information about our local earthquake risks as seen in the Kitsap Sun.

Thought of the day: TV Insurance Advertisements

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As I watched football this past weekend, I had to chuckle from both the humor and also the disgust I felt from the TV insurance advertisements.

I do find the cute skits and silly mascots used in insurance commercials to be funny and catchy , as I am sure most of us do. I find they can be a welcome quick break from the anxiety of a close game. ( or a missed field goal)

Conversely I find the angle of “FEAR and LACK of COVERAGE” these carriers use to be ridiculous and very misleading. Carriers show the simplest of claims and yet act like they are the only possible carrier that could offer coverage for this risk.

The truth is almost ANY standard homeowners policy will cover you for falling trees, an explosion, animal damage ( aka raccoon), kitchen fire, etc. Do not be fooled or believe you need to call these specific carriers for these coverages.

For auto insurance, alomst all carriers can offer the same or very similar coverage. It is actually a delicate balance of client , agent and or broker who determines what coverages to accept and decline. The coverage choices will dictate if a BBQ fire in your car is covered, ripping your door off at the gas station , or watching your car roll into a lake, NOT the insurance carrrier. Having these commercials insinuate that the carrier may exclude this peril and do not take ” cut rate” insurance is misleading and not acceptable.

We offer many carriers and cannot find a single one that would exclude these perils if you placed full coverage on your car ( comprehensive and collision).

The truth is:

Insurance for the general consumer is being overrun by fear and anxiety created by TV ads. The solution is simple!

Meet face to face with a local insurance agent/broker and let the real life professional help you…not the TV!

Enjoy the ads!

Health care enrollment on Bainbridge Island and Kitsap, it is not too late!

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Below is the dates and timeline for enrollment. As you can see, you still have time…

Call us today!

Important dates for 2016 enrollment

  • November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 17, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enrolled or changed plans by December 17.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

Bainbridge Island , Kitsap County and beyond… open Healthcare enrollment is nearing its end

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*** Final reminder for this years Bainbridge Island/ Kitsap County healthcare open enrollment ***

•December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
•January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
•January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016…
•January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you do NOT enroll in a 2016 health insurance plan by January 31, 2016, you CANNOT enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

DO NOT DELAY….we are staying open extra hours today and tomorrow to fit in all clients, in need of last minute health care enrollment for January 1st , 2016.

Call us or drop by! (206) 842 7410

Holiday fire danger on Bainbridge and beyond!

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Holiday Fire Dangers are real, yet avoidable!

Each year during the holiday season, both here on Bainbridge and all around Kitsap County, we end up with the inevitable house fires.

Three of the biggest culprits I have logged fire claims for:

***The family Christmas Tree
***Space Heaters ( both electric and oil)

These are all fire starters that can be easily avoided with proper care.

A few tips:

Keep the tree away from wall heaters, fireplaces, cooktops, and do not EVER use candles on the tree.
Be sure to use proper lights and properly rated extension cords for the tree.
An obvious but commonly forgotten tip : be sure to water the tree, a healthy green tree is a less flamable tree!
After the holidays, do not be bold and think you can undecorate and throw the tree in your fireplace, this is a disaster waiting to happen.
We had two large house fires last year in January due to this action. A dry tree in January is a fire bomb waiitng to explode. Drag the tree OUTSIDE and dispose of properly!

Space heater safety is simple, treat them like a dog that bites, nothing to close to them and don’t leave them unattended.

Candles fall under the same rules as the space heater, but also do not place them in window ledges, may look pretty, yet when the blinds catch fire, then your in for a real show.

These are all simple common sense tips, I get it, but I have proof they are easily forgetten.

Stay safe everyone!

Health Insurance in Kitsap County….enrollment is now!!!

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Health Care Insurance Open Enrollment is still going strong!

We have been helping people daily, in both the private health insurance market and in the Washington Health Exchange.

If you need health insurance, need to change your current health insurance, or simply have questions about health insurance, reach out to us!

HMO, PPO, HSA , Out of pocket maximum, in network vs out of network, preventative care…..

What does this all mean?????

We are a no pressure brokerage and happy to answer any and all questions, even if we cannot place coverage with one of our carriers.

We look forward to speaking with you!

Insurance Claims Clarity with Eagle Harbor Insurance

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A few common claims questions asked by Eagle Harbor Insurance clients today , after the big Bainbridge Island  storm:

1. A tree fell from my neighbors property onto my house causing damage. Who is responsible ?

Answer: It depends, if the tree was healthy and posed no danger prior to the storm, it is considered an act of god and is essentially nobodys fault. Thus placing the insurance coverage responsibility on the homeowner who incurred the damage….
Conversely, if you had a professional inspect the tree and deem it unsafe /dangerous PRIOR to the storm ….You properly informed the neigbor of the risk, you may have some recourse against the neighbor for negligence.

2. Standing water entered our downstairs via the sliding glass doors, am I covered via my homeowners coverage?

Answer: This is a firm NO, exterior standing water is considered flooding and only covered via a flood policy. Homeowners policy exclude flood coverage completely.

3. Wind driven rain entered my house via the soffet vents and skylight, am I covered?

Answer: Absolutely, this is a covered peril on a Ho-3 homeowners form. This will indeed be covered , less the deductible!

More questions on claims? Call us anytime !

Health Care options with Eagle Harbor Insurance

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Need health insurance? Want to change health insurance ?Confused on how to enroll? Confused on when to enroll?

Do not delay any longer!

Health care Open Enrollment is happening NOW and here at Eagle Harbor Insurance we can help meet your needs!

We offer both PPO and HMO health insurance products that , offer plan options for both your current medical needs and area you live in provider wise.

Please call us at (206) 842-7410 to setup a time to come chat about your enrollment options.

We look forward to helping you.

Halloween Driving Safety tips On Bainbridge Island and Kitsap County

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Excellent Halloween safety tips for ALL drivers, keep our kids safe!

Don’t use a cell phone or other electronic device while driving on Halloween night. You shouldn’t be doing this anyway, the rate of cell phone related auto accidents has jumped dramatically since the use of cell phones and texting has risen so high. Some states have already made laws concerning this and others are working on it.

Pay extra attention, particularly to crosswalks, intersections and the side of …the road. Kids tend to walk along the curbs, cutting across the street to get to other homes. Keep scanning all around you as you drive, whether as thru traffic or along with your kids as they trick-or-treat.

Drive below the posted speed limit in residential areas during trick-or-treating hours. This will allow you time to break if you see a child dart in front of you.

Do not pass other vehicles that have stopped in the roadway, they could be dropping off children. This is more common in rural areas but can happen anywhere.

Make sure your child carries a flashlight, glow stick or has reflective tape on their costume to make them more visible to cars. Left them know if they carry a flash light to never shine it in the eyes of a driver. This can cause blindness on the drivers part temporarily and they may not see your child.

If you are dropping off or picking up your kids in an area, pull off the road into a safe spot and turn on your hazard lights to alert other motorists. If you go with your kids from door to door, leave the hazard lights on so other drivers can see your car parked there.

Wishing everyone a fun, yet spooky Halloween!!

What is ” ObamaCare” , Affordable Care Act , Health Care Open Enrollment, Preexisting Conditions ?? Eagle Harbor Insurance has the answers!

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We have been getting asked the questions above on a daily, or shall we say hourly basis lately. The answers to the above questions are fairly simple, yet can vary slightly from person to person , based on income, residency, age, etc.

With open enrollment starting 11/1/2015 it is time to get your questions answered!

Please give us a ring at (206) 842 7410

We can setup a time to meet,  answer your SPECIFIC questions, put your mind at ease, and give you a full spectrum of options for 1/1/2016 enrollment.

Hopefully we will speak soon.