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!

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

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”

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

Bainbridge Island is a curious place for Homeowners insurance. Bainbridge is an island by definition ,which usually indicates limited access, limited fire departments, high protection class codes, and overall semi isolation.
In our insurance brokerage, we have worked with our insurance carriers/ underwriters to better define the island risk . The end result ? Essentially we can get this rated much like any other midtown population base and eliminate the ” island rating surcharge”.

What does this mean for you as a consumer? It means lower rates and broader coverage options! Great news!

Hartford * Kemper * Guide One * Foremost* Red Shield * Chubb * Fireman’s Fund

Currently our top tier carriers

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

It’s that time of year again….WINTER!

As with any other season, preparation is key.

Here is a simple exterior checklist we recommend to keep your home in good working order….. starting from the roof and working your way down:

1.  Chimney cap, be sure your chimney has a chimney cap of some sort, preventing water entry into the chimney and conversely preventing hot embers from escaping the chimney.

2.  Roof, if your roof is over eight to ten years old, consider having it inspected by a qualified roofer to ensure it is still in good working order. $30 spent on this inspection now, can prevent a huge headache in the midst of winter.

3.  Gutters, be sure gutters are clean, fully connected and that they have adequate downspouts/ splash-guards, guiding water downhill and away from the dwelling.

4.  Siding and window trim, a simple walk around the home can end up saving thousands. Check for cracked, buckled or missing siding and replace/repair accordingly. With any siding or window issues, we always encourage homeowners to seek the help of a licensed professional.

5.  Water spigots and hoses, be sure to cover spigots with an insulated wrap ( can be found at any local hardware store for less than three dollars) and be sure to unhook , drain and coil all hoses.

6.  Crawl space and pipes, this may be a job for your local licensed handyman. Be sure all exposed pipes in your crawl space are wrapped with pipe insulation to prevent freezing or bursting. To prevent ground moisture, mold, and water from building up in the crawl space, make sure the crawl space floor is lined with 6ml plastic.

7.  Property grounds, when the inevitable freeze and snow arrives, consider salting your walkways, driveways, and stairways. It may cause a bit of a mess, but preventing any major slip and fall is well worth the cleanup time in the spring.

We have all heard about the dangers of identity theft. It is a crime that can go unseen and occur within seconds, but the ramifications could be felt throughout the rest of your life. Unfortunately, most people aren’t even aware that their identity has been stolen until it’s too late. Identity Theft may go undiscovered for weeks, months, or years, only to be revealed in the midst of buying a car, a home, applying for a loan, just to name a few. Basically, think of the time you’d least want to have financial troubles, and those are the times identity theft can come to light. However, there are ways in which we can protect ourselves. Following are 7 tips that we can all do to protect ourselves…..

  1. Do not sign the back of your credit cards. Instead put “PHOTO ID REQUIRED.”
  1. When you are writing checks to pay on your credit card Accounts, DO NOT put the complete account number on the “For” line. Instead, just put the last four numbers. This will prevent anyone who might handle your check from having unnecessary access to your account.
  1. Put your work phone number on your checks instead of your home phone number. Also, use a PO Box address if applicable, and NEVER have your Social Security Number printed on your checks.
  1. Make sure to keep a photocopy of all the important documents you keep in your wallet somewhere safe. Copy both sides of each license and credit card, as the back side is where all of the contact/reporting information is located. In case of an emergency you will be able to call and cancel all your credit cards, and will still be able to have proof of ID.
  1. Keep the toll free numbers to your bank and credit cards handy so that you may inform your companies and have your cards cancelled IMMEDIATELY. The sooner you call, the more damage you can prevent.
  1. File a police report IMMEDIATELY in the jurisdiction where your credit cards, etc, were stolen.
  1. Call the 3 national credit reporting organizations IMMEDIATELY to place a fraud alert on your name. Also call the Social Security fraud line number. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

When it comes to reporting Identity Theft time is of the essence. The faster you report a stolen wallet, purse, or mail, the more likely you are to prevent or decrease the damage from occurring. Along with the phone numbers for your bank and credit card companies, you will also need the phone numbers for the 3 credit reporting agencies and the social security administration. For your convenience we have provided those numbers below.

  1. Equifax: 1-800-525-6285
  2. Experian: 1-888-397-3742
  3. Trans Union: 1-800-680-7289
  4. Social Security Administration (fraud line): 1-800-269-0271

Fall is fast approaching. Can’t you hear the sound of leaves crunching beneath you feet, as you make your way home after a long day at work? You pour yourself a cup of cocoa, snuggle up in your favorite comfy chair, and before you know it you hear the familiar jingle of your cat’s collar as she jumps up to join you in your relaxation. The sound of her soft purrs begins to drown out the sounds of your busy day, and your mind finally begins to relax.

Or maybe…

You make it home after your hectic day at the office, climb out of the car, and drag yourself into the house. As you walk in the door you are greeted by your 10 year son, 8 year old daughter, and your golden retriever. They beg you to go outside, and you have the privilege of ending your day playing ball with “the gang.”

Pets grow into our families, and become a part of them. They are a source of joy for all of us. But if we are not careful, they can also become a source of strife. The news is heavy with people who have raised aggressive dogs for their own personal gain. What happens when these animals have fulfilled their use? They end up in animal shelters, where families are looking to adopt a new member of the family. There are certain breeds that can be more dangerous than others; Pit Bulls, Rottweilers, English Bull Terriers, German Shepherds, Dobermans, and St. Bernard’s can all have aggressive tendencies. But more important than the breed is who owned the dog before and what was the dog’s purpose? These are questions that can’t always be answered at a human society or animal shelter. However, it is very important to understand the dog’s temperament before you commit to claiming it as part of your family. Watch the dog play with other people and dogs. Ask the workers who feed and walk it on a daily basis. Does it shy in a corner, or cuddle up to your feet looking for attention?

It is also important to protect your family and neighbors in the event your pet has a change in temperament. By securing liability insurance you can protect yourself from the unthinkable. As pet owners we are responsible for the actions of our pet. If your dog was to bite someone, destroy property, or knock over a biker, you will be held liable for the damage of property and health. It could only happen once, it could just be an accident, but the bottom line is that it could happen, and are you going to be prepared when it does? Statistics from the New York Times and Centers for Disease Control and Prevention state that, “each year, roughly 4.7 million people are bitten by dogs and about 800,000, half of them children, seek medical attention.” If you own pets, or are thinking of getting a pet, we highly recommend you talk with your local insurance agent to make sure your insurance company is aware you have a dog, and that you have the coverage you need in the event that your source of joy becomes your source of strife.