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

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

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

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

New drivers, young drivers, older drivers? Why do auto rates start high and eventually end just as high?

I call it the “Insurance inverted bell curve” . When you are a young or a new/inexperienced driver, rates are high . As you gain experience, build a quality driving record, credit, and ability to pay, the

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.

General , Specialty, Artisan…..we offer coverage’s for ALL and ANY type of contractors !

We have over 20 markets to chose from, including preferred and non standard bond markets.

You will never get declined coverage at our agency and we will also walk you through the steps needed to obtaining your contractors license.

Feel free

With summer looming around the corner…and the chance of some possible sun….. it is time to break out the summer toys!

Make sure your boats, jet-ski, rowing shells, golf carts, dirt bikes, street bikes, scooters,  quads, etc are all insured correctly. During winter these coverage can overlooked, lapse or be put on hold.

If you

If you are considering changing, upgrading or enrolling in an individual health insurance plan for you and your family…..the time is now!

Open enrollment for individual health insurance , starts on 3/15/2013 and runs until 4/30/2013.

This is one of two chances annually to add children age 19 and under to an individual health policy…do not miss

With the current economic downturn, we all have been bombarded by on-line and television ads, claiming lower insurance rates, promising to keep more money in your pocket. Buyer beware! Many of these, so called "lower rates" , are actually Insurance Companies, offering lower coverage levels or omitting quality "optional" coverages , without clearly clarifying this to the consumer. The ad claims of