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.

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

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!

Kemper, Hartford, AARP, Progressive, Foremost, Philadelphia, Guide One, Zurich, National General, Fireman’s Fund, Markel, Red Shield, Premier, Ace, Chubb, CBIC, Navigators, One Beacon, Gotham, Arch…. and more! We have a carriers to meet EVERYONES needs!

Home, Auto, Boat, Motorcycle, Commercial, Event, Bonds, E/O coverage, D/O Coverage ,Health Life, Disability, LTC.. we can do it all.

Call us (206) 842 7410

Today is the last business day of this years healthcare open enrollment. 2/13//15.

We offer many carriers and options outside and inside the Exchange program.

Please call us today if you still need help! 206 842 7410

The open enrollment period for health insurance is quickly closing. There is less than a month left to enroll and the final day is 2/15/15.

If you have questions, concerns, confusions, desire coverage etc…PLEASE call us!

We offer no pressure, FREE consultations to discuss your health insurance needs.

We offer plans both inside and outside the Washington Exchange program and also numerous carrier options …both PPO and HMO style plans.

Our number is 206 842 7410…Rita or Jenna can set you up on our calendar today!

Their is still time to enroll in a health plan! DO NOT miss open enrollment.

We offer plans within the health exchange or on the private market.

Numerous carriers , deductibles, out of pocket maximums, and doctor options…something to fit everyone.

Call us today! 206 842 7410

Wow ,it is confusing!!!

Have questions about :

Affordable Care Act, Washington Healthfinder Website, Open Enrollment dates , Medicare Supplements, Open Market Health Insurance vs. Exchange plans.

We can help answer your questions, put your mind at ease, and offer you a proper plan for your lifestyle and budget.

At our agency we make time to hear your concerns, outline what is best for you and facilitate placing the coverage.

All at a cost of ZERO dollars for our service!!!!

Changes, Changes, and more Changes….Our agency is prepared.

Whether you qualify for coverage in the new Washington Health Exchange or not…WE CAN HELP!

If you are unsure if you qualify, we can help determine that as well.

We represent quality health insurance carriers for all income levels ( in and out of the exchange) and will guide you into the best plan possible for you and your family.

We also have numerous plans to offer for Medicare clients as well.

There is ZERO additional cost for our services or for placing your coverage through our agency. Why not be well represented by a local broker who will always have your best interest in mind…. take advantage of this free service!

Please call 206 842 7410 to set your appointment.

With the current state of government and mandated health care looming, it would appear new health insurance options are on the near horizon. We are working diligently to keep up on the progress and changes to plans and new options for clients.

We encourage you to ask questions and call us anytime to review your current plan. We look forward to helping you!