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!

Rate vs. proper coverage

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 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 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

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!

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