Eagle Harbor Insurance Blog

Eagle Harbor Insurance Blog

Local broker , Local knowledge, Local Help!

Posted in About Eagle Harbor Insurance

I started this blog many years ago and have used it as tool to map out my thoughts on what clients truly need, want, and require for insurance.

Setting aside all of the numbers, coverage’s and issues at hand… I have found the #1 thing clients desire is simple:

To have a broker who is local and has truly excellent knowledge of the locations they offer insurance in.

At Eagle Harbor Insurance we have all lived or worked in the Bainbridge area for over 20 years . I can confidently say we know this island inside and out. We are up to date on areas with current landslide risks, flood risks, access risks, etc. We also keep up to date on the protection class codes and road changes for the island. Thus making sure our policies are updated accordingly to accurately reflect the changes…as clients can save money as road and water access improves.

If you plan to buy or already own a home, we would be happy to do a full risk analysis for you. This can include a personal walkthrough of your homes exterior and interior, location and risks. We always offer our quotes, pressure and stress free. At the time of inspections, we actually wont even offer a quote. We prefer to email it to you, give you time to review and then discuss along your timeline.

I hope you will consider using this service!

Homeowners Insurance on Bainbridge Island

Posted in Home Insurance, Insurance Coverages

Homeowners insurance …….Did you know?

Extended coverage’s that can be added to most homeowners insurance policy:

1. Golf cart coverage. Own a golf cart? Then add it to your homeowners policy for liability insurance to be sure your covered while out on the course.

2. Own a rowing shell, kayak, SUP, small dingy with outboard? Any of these can be added to your homeowners insurance, for both liability and physical damage coverage

3. Have a child who is off to live in the dorm’s at college? Many carriers offer an extension to cover children away at school and their belongings. ** must live in dorms**

4. Have a live in nanny or exchange student? Inform your carrier and your liability can extend over them as well!

5.Have a home office? Homeowners policies have an endorsement just for the small satellite home office.

6. Have a small B & B style rental on site? Some carriers will even offer a home based business supplement to cover risks like this.

All just food for thought … ASK US TODAY…your homeowner insurance may cover more than you truly know!

Auto insurance rates vs coverage

Posted in Auto Insurance, Insurance Coverages, Insurance Rates

Rate vs. proper coverage …this is why we are not always the
” lowest auto insurance rate”

Biggest Auto Insurance misconception:

People think when they carry comprehensive and collision
AKA: ” full coverage” , that they have everything they will need protection wise, in the event of any accident or issue. This could not be farther from the truth.
Comprehensive and collision coverage is purely for the vehicle itself and damage that may occur to the vehicle. While it may feel good knowing your vehicle is covered in the event of damage, your real risk lies elsewhere.
The liability coverage levels in your policy, are what truly defines your protection. State legal minimums can be as low as 25,000/ 50,000 . This amount clearly would not be enough coverage in the event of any serious accident or claim, yet this amount is “defined” as legal.
For perspective, if you were to cause an accident and seriously hurt four people in the other vehicle, at state minimums the maximum amount your insurance policy would pay is 25,000…for the entire accident! Once the carrier had paid this amount,
( tendered limits) you would then be on your own to defend yourself. This exposes you to huge medical liabilities, wage garnishment and punitive damages that can easily force you into bankruptcy.
Issues like the above , can be easily avoided if you have proper broker representation at the time of placing coverage. It is our professional duty, to offer proper coverage limits for your risk, NOT just the lowest rate. We will explain the coverage vs. cost value and why you need certain levels of coverage.
Take the time to call us at Eagle Harbor Insurance or any other broker, explain your risk /assets, and get what you pay for insurance wise. Like any other purchase, insurance has value, do not cheat yourself out of proper coverage over a few dollars. Short term savings can equal long term disaster.

Just todays thoughts :)

What we ” are” as Eagle Harbor Insurance

Posted in About Eagle Harbor Insurance, Health Insurance, Home Insurance, Insurance Coverages, Insurance Rates

What really is an insurance brokerage? I get asked this all the time ! I also hear folks around town say “My insurance carrier is Eagle Harbor Insurance”.

This question or puzzle has a clear , yet broad answer:

An insurance brokerage, such as Eagle Harbor Insurance is actually an intermediary between you the client and the true insurance carrier. We as a brokerage represent YOU as our client, and we always strive to find you the best rates and coverage. We shop your coverage annually and make sure we get you the best rate and carrier currently on the market for your risk, It does not cost you ANYTHING more to use our services and truly gives you another layer of expertise advice on proper coverage.

We also are not the ” insurance carrier”, we leave that to the carriers we represent, such as Hartford, Kemper, Guide One , Progressive, Foremost etc. We can handle claims filing , bill paying, and changes to your policy, so this is never an issue.

Bottom line, why not use a broker for your insurance? It is free, gives you expert representation, and allows you access to markets you will not find in the direct market to clients.

Please call us anytime for a free, complete review and risk analysis of your current policies.

Springtime Insurance review on Bainbridge Island

Posted in Health Insurance, Home Insurance, Insurance Coverages, Insurance Rates

Spring appears to have finally arrived! If you are like myself, during the Bainbridge Island wintertime, we leave the house in the dark and return home in the dark. The color of the house, lawn, flowers and trees is lost in the winter darkness. Now that spring is here, rub your eyes, open them wide and assess the spring cleaning at hand!

Yard wise: prepare the sprinklers, make sure drains are clear and get ready to plant that garden! If you upgrade sprinkler systems, build new decks, or add a pool or hottub…be sure to let us know! These items are covered via your homeowners insurance, as long as they are added as other structures.

House wise: Check the paint, clean the gutters, assess the moss levels on roof ( notice I said levels…not if you have moss or not…lol) Be sure to check those smoke detectors and CO2 detectors. Your homeowners insurer appreciates it !

Lastly, DO NOT forget to insure those summer toys: Boats, Jetskis, Rowing Skulls, ATV, Motorcycles ( road and dirt), and if you have a golf cart, be sure to let us know…a golf cart is one item that can have liability via your homeowners insurance.

If you are unsure about your insurance coverage, want to add, remove or have a simple question…call us anytime!!! 206 842 7410

Eagle Harbor Insurance – independent broker

Posted in Insurance Coverages

A few simple reminders on why you should always use an independent insurance broker for your personal and business insurance needs:

1. At Eagle Harbor Insurance work for YOU , not the insurance carrier

2. We offer numerous carrier options and have the ability to shop your insurance portfolio annually for the best rates and coverage

3. At claim time, we represent You , not the insurance carrier

4.Portfolio Service : one stop, one location shopping, for all of your insurance needs: Home, Auto, Umbrella, Health , Life, Business and Travel Insurance

5. We are local and know the entire Kitsap County area and the risks involved

It is worth your time to develop a relationship with a local broker, hopefully you will chose Eagle Harbor Insurance on Bainbridge Island!

Bainbridge Island Health Insurance Experts

Posted in Health Insurance

Question of the week!

What is health insurance ” special enrollment “?

As we all know, the current health insurance marketplace is closed for open enrollment and you can no longer apply until the end of this year. What many folks don’t know ….. their is exceptions to this rule and some people may still qualify to enroll ! Listed below are the most common exceptions.

If you have :

1. Lost a job, left a job, employer went of business, employer stopped offering health coverage

2. Moved to a new location where your prior insurance is not accepted at the doctors who are now local to you

3. Have been divorced, widowed or separated

4. Have relocated from another state

Their is many more obscure scenarios that apply as well.

At Eagle Harbor Insurance we are here to listen and discuss your situation. I am sure we can help!

Independent Insurance Broker / Agent advantages on Bainbridge Island

Posted in Auto Insurance

Sleep better knowing an Independent Insurance Broker/ Agent is on your side!

An Independent Broker/ Agent:

1. Is a value hunter – our brokers look for the best combination of price, coverage, and service. The broker works for YOU, not the insurance carrier. They know the local Bainbridge Island demographic well. All of our brokers and agents are longtime residents of Bainbridge Island.

2. Offers one-stop shopping. With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental, business, life, health and flood products.

3. Is committed to customer satisfaction – their livelihood depends on it. Without our local Bainbridge community support, we would not exist.

4. Treats you as a person – not a number. We reference all of our clients by name, not a policy number. When you call, simply state who you are and we are off and running!

5. Becomes your consultant/advisor for the present and future – helping you to protect your valuable assets. This relates to not only tangible wealth , but also to family and as they grow.

6. Provides personalized claims service. No need to navigate a phone chain – Your independent agent can contact your insurance carrier directly to help smooth out the claims process. We have a 24hr a day, LOCAL line you can call to speak to one of us directly.

7. Listens. How better to help determine your needs? We want to get to know you and your family.

8. Has strong community ties. Look around you – PTA, Rotary, Chamber of Commerce, Soccer club, etc. Chances are your local insurance broker/ agent is right beside you building a stronger community!

Spring Insurance Review time

Posted in Auto Insurance, Home Insurance, Insurance Coverages, Insurance Rates

Well, spring is almost here! This means many things for your personal insurance. For Bainbridge Islander’s it means breaking out the boats, jet skis, rowing skulls, motorcycles, scooters and just about any other off road or water machine you can imagine.

As your trusted insurance broker, I urge you to call us , take five minutes, and make sure your coverage is correct, up to date, and make sure we add any new off season purchases. Insurance on “toys” can easily be overlooked, yet the risk and ramifications are equal to the risk of driving your car. Please do not overlook the importance of this!

We can do a full overview review of your insurance right on the phone , quick and efficiently.

Like our motto states ” we don’t sell insurance, we help people buy it”

What we offer

Posted in Auto Insurance, Home Insurance, Insurance Coverages

Homeowners Insurance, Auto Insurance, Life Insurance, Business Insurance, Health Insurance. At Eagle Harbor Insurance , here on Bainbridge Island, we offer all lines of insurance coverage with a plan and cost to fit every need. We have access to almost any carrier you can request and can cover truly any risk.

Give us a call with your risk today! 206 842 7410