Eagle Harbor Insurance Blog

Eagle Harbor Insurance Blog

Bainbridge Island- Earthquake Insurance and more….. we can offer coverage for all your needs

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Is Earthquake Insurance, for my family home, currently available on Bainbridge Island?

The answer is a resounding YES!

We have many markets for earthquake insurance, here is a quick list of most of the markets we represent, that currently offer earthquake coverage:

Kemper Insurance
Hartford Insurance ( both standard and AARP prodcuts)
Guide One Insurance
Foremost Insurance
Zurich Insurance
Red Shield Insurance
GeoVera Insurance
Llyod’s of London

As you can see, we have many options and most probably one that will fit your needs. We offer numerous deductible options and will find one that fits your needs and budget. ( see attached link for more info)

http://www.zillow.com/…/earthquake-insurance-worth-gamble-…/

We even have markets that will offer landslide and flood coverage here on Bainbridge Island.

If you are in the market for this coverage, call us soon !

206 842 7410

Insurance Rates on Bainbridge Island and increases

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Why have my insurance rates have gone up?? I don’t have any tickets, claims or other issues!!!

I hear this from time to time and can fully understand and relate to clients frustrations.

Hopefully I can delicately shed some light on this…might not make it seems fair….but at least give a realistic, honest and logical explanation as to why rates rise over the years.

Over time, like anything else in the economy, rates will and must rise. This is based on higher build costs for housing , parts for cars being more costly, fraud claims, paying for uninsured drivers, and the labor force costing more per hour every year.

For perspective : As much as we all hate to pay the increases for insurance ,we do just that for everything else in life and seem to turn a blind eye to most of it ! Cable bills, cell phone bills, power bills, garbage bills, grocery bills, etc etc…all continue to rise over time.

With this all said, it is our mission at Eagle Harbor Insurance to be your  broker and to continue to shop and find you the most reasonable rates for the coverage every renewal. Clearly we cannot let the insurance companies raise rates without any recourse. Let us protect you, shop your rates, and keep the insurance companies rates in check the best we can.

Thank you for your business.

Enjoy the great weather everyone!

Springtime Insurance needs on Bainbridge Island! Boats, Motorcycles, Atv’s, Kayaks etc!!!

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Spring appears to have arrived on Bainbridge Island!

This means it is almost time to get out your summertime toys.

BEFORE you launch the boat, load up the dirtbikes or climb on your street bike for the first spring ride, check on your insurance.

Make sure of the following:

1. Coverage is in force
2. adaquate coverage levels to meet your financial needs
3. Be sure , if applicable, that you list your toys on your excess ( aka Umbrella insurance) and that the underlying coverage limits meet the proper levels.

If you need coverage, at Eagle Harbor Insurance we have all the
” toy” markets at our disposal.

Call us  206 842 7410 … same day quotes / coverage binding available!

Bainbridge Island – Condo Insurance, Renters Insurance, Homeowners Insurance

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Bainbridge Island, the new high density living push and YOUR insurance needs.

As we all have witnessed in the past few years, Bainbridge Island has been having a shift in the city sectors , from single family homes, to now: multi family, split use ( residential and commercial) , high density condo’s etc, high density rentals.

Many folks who are purchasing or leasing/ renting this style of home are quite confused as to what they need insurance wise. I have found, from speak…ing with buyers and renters , they are being told the dwelling structures they are moving into are covered by Master Policies and they “may or may not” need further insurance.

This could not be further from the truth. The reality is, even if the structure is covered by a Master Policy, you 100% need to obtain your own coverage.
The Master Policy covers your structure from the WALLS OUT, leaving you to cover your contents, appliances, built ins, loss of use and your all important liability. These policies also carry very large deductibles that should be addressed by your policy.

As an owner you will want a CONDO policy, referred to as an HO-6 homeowners coverage.

As a renter you will want a Renters policy, reffered to as an HO-4 renters policy.

Good news is:

We can help! We can place this coverage the same day and can also guide you into what policy is correct for you.

A simple call will get this handled! Call us anytime!

Homeowners claim questions answered by Eagle Harbor Insurance

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Homeowner’s insurance tip of the day.

Do I file a claim or do I try and fix this issue myself?

First thing to clear up…. At Eagle Harbor Insurance ,  we will NEVER tell you to not file a claim. Your right as a insured is to be allowed to make this final determination. Never let an agent or broker make this decision for you. I am here to represent you as my client and help you make the most educated decision possible, but you have the final say.

Final decisions on coverage are determined by the adjusters who come to the claim site , not the agent or carrier, so if you feel in doubt, never hesitate to file the claim.

Remember, as your broker at Eagle Harbor Insurance , I work for YOU not the insurance carrier!!

Ways to decide on filing a claim:

I will ask about the claim and weigh the claim repairs cost versus your deductible amount.

If the claim is going to be 900.00 and your deductible is 1000.00…easy to solve, no need to file a claim. Fix this one yourself.

Conversely if the claim is going to be 10,000 to fix and your deductible is 1,000….easy to solve as well…for sure file this claim.

Now if the claim is going to cost 1800.00 and your deductible is 1000.00 …now it is time to make some calculated decisions:

1. Will the 800.00 the insurance carrier will pay for the claim be offset by a three to five year rate increase?
2. Is this my first claim and would I like to save this first claim for a more major issue, as multiple claims on policies tend to get you
” non-renewed” .
3. Will this claim give me multiple claims on my record, making future insurance difficult to place?

These are the decisions that will need to be looked at .I will lay out the options and then ultimately you can make an educated decision.

So remember , always give us a call and start the conversation come claim time!!!

Regence Blue Shield Insurance , direct link to Eagle Harbor Insurance online!

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We are pleased to share that we now have a direct online link to Regence Blue Shield Insurance :

http://www.shop.regence.com/individual/medical/index.jsp?agentid=0104540-0002

You can use this link to shop Regence plans, compare rates, look up doctors and sign up for insurance ( enrollment rules and guidelines apply).

We of course are ALWAYS here to help answer any questions you may have,  this link is to simply help make signing up easier and more readily available to you from the comfort of your home!

Call or email us anytime:  206 842 7410     tom@eagleharborinsurance.com

 

 

 

 

2016- Update of what we offer at Eagle Harbor Insurance!

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At Eagle Harbor Insurance we can insure ANY and ALL risks you can possibly imagine.

Eagle Harbor Insurance offers complete insurance portfolio services with access to over 50 quality insurance companies!

Coverage for Home, Rental Dwellings,  Auto, Umbrella, Boat, Motorcycle, Vacant Land or Homes , Course of Construction

Health coverage offered  : Individual health coverage (PPO and HMO products), Small Group Coverage, Health Plans in Washington Healthplanfinder, Medicare Products

Life Insurance, Key Man Insurance, Disability Insurance

Business Insurance : ANY and ALL types….you name the risk/ business, we find the coverage. No risk too small or too complex.

We have a same day response time and can usually provide coverage same day as well!

If you need help or even think we can possibly help you, call or email us !!

(206) 842- 7410

tom@eagleharborinsurance.com

jenna@eagleharborinsurance.com

 

 

 

 

 

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.

jenna@eagleharborinsurance.com

(206) 842 7410

** Here is some excellent information about our local earthquake risks as seen in the Kitsap Sun.
http://data.kitsapsun.com/projects/…/earthquake-information/

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!