Eagle Harbor Insurance Blog

Eagle Harbor Insurance Blog

Individual Health Insurance carrier options for 2018 open enrollment!! Eagle Harbor will offer them !

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Individual Healthcare plan options update for 2018.

The attached link has the 2018 Health Insurance providers who plan to offer individual health coverage plans. The list is organized per county.

Our agency plans to represent nearly all of the carriers that will be available for Kitsap, King ,Jefferson and Pierce County.

We will make sure we have open enrollment options for every single client!

** PLEASE NOTE- Small Group, Large Group and Medicare plans are not applicable to this list of carriers. Most all group plans and Medicare plans will continue without interruption. Please check with your agent or carrier to be 100% sure.


Health insurance Individual plan offerings for 2018 – With Eagle Harbor Insurance

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INDIVIDUAL PLAN – Health Insurance Carrier Options 2018 – Kitsap County and beyond.

We have just been informed effective 1/1/2018 Regence Blue Shield Insurance and Bridgespan Insurance Company will no longer be offering ANY INDIVIDUAL health insurance plans for Kitsap , Pierce, or King County. (***this does NOT apply to group plans or medicare plans***)

All Regence and Bridgespan individual health clients ( both outside and inside the health exchange) will be receiving the attached letter.  (see link below)


1. Currently, it means DO NOTHING. Your current health insurance plan will remain in-force and coverage will be offered as applied for until 12/31/2017. You cannot change currently as enrollment is closed.

2. Do not panic!! As your trusted insurance broker we are going to make sure we have access to the health insurance carriers that will be offering 2018 plans in Kitsap, Pierce, and King County. We will find the best replacement plan offered for each and every client.

3. All current clients will be receiving a courtesy call from our agency within the next five days comfirming you have recieved your letter and reassuring you we are on top of this transition.

** We will continue to monitor the situation and will be fully prepared for Open Enrollment ,starting on 11/1/2017 thru 1/31/2018.

We appreciate your trust in our agency, we will all figure this ever changing health care insurance landscape out together!

Any questions, call us anytime. 206 842 7410



Bainbridge Island- Eagle Harbor Insurance- why use us?

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As a consumer you have many choices for your numerous insurance needs.

So the question may arises, where do I  go and why should I chose Eagle Harbor Insurance?

Here are some solid reasons to use us:

*Over 50 top tier carrier choices to ensure the best prices

*All of our agents have grown up in Kitsap county and truly know the risks inside and out ( family owned )

*Outside resources at claim time:  I.E. direct line to Serve Pro or Service Master and 24hr local contractors we can call to help with emergencies, you will not have to wait on the claims adjuster to call

*We never will ” hard sell”, we supply quotes and let you decide what is best. We are happy to offer our professional advice on what is best, but we will never pressure you!

Bottom  line, we will treat you how we would like to be treated!

All of our clients are part of our Eagle Harbor Insurance family.


Auto Insurance on Bainbridge Island- Enjoy the discounts at Eagle Harbor Insurance

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Did you know your auto insurance rates are directly effected by what zip code you live in?

A 98101 -Seattle zip code can literally be 35% higher than a 98110- Bainbridge Island,  98370- Poulsbo, or  98392 – Suquamish zip code.

This is due to matrix driven demographic numbers for these areas. The rating basis takes into account:

population size

rural vs urban

commute lengths

crime rates

highway,  freeway , and congested area access

At Eagle Harbor Insurance , we use carriers who fully realize the difference in risk from area to area and price accordingly.

Currently our carriers such as  Hartford Insurance, Safeco Insurance, Kemper Insurance, Encompass Insurance, and Stillwater Insurance all have specific zip code ratings for our area, and the excellent premium prices reflect this.

Be sure your using a carrier that rates by zip code, and feel free to ask the rate difference between a Seattle zip code and your zip code. This will give you a nice comparison basis for your carrier and how competitive their rates really are.

If you would like, we can do this comparison for you, free of charge , with no hard sell!

We would love to help you.


# Shop local #Support Local



Earthquake Insurance with Eagle Harbor Insurance – Let us help you.

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Earthquake Insurance with Eagle Harbor Insurance…..am I covered?

Many people don’t know that most homeowners insurance policy do NOT include earthquake coverage. To protect yourself in earthquake-prone areas, you’ll need to purchase separate earthquake insurance. ( we can help of course!!)

Your options usually are as follows:

•Earthquake coverage can be added as an endorsement on your homeowner policy

• Or we can offer stand alone earthquake coverage with numerous carriers.

With all of ther small “shakes” we have felt lately, we strongly recommend this additional coverage.

If your home is older, the carrier may require a earthquake retrofit prior to placing coverage. We can help determine the need for this and proper actions to take.

Call us TODAY for your free home analysis and earthquake quote!earthquake-coverage

**Eagle Harbor Insurance- Health Insurance Clients**

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House passes American Health Care Act – now what?

First off- DONT PANIC- currently your plan remains the same.

Here is a very brief synopsis of what is happening:
House Republicans on Thursday, May 4 fulfilled a longtime campaign promise by passing legislation – the American Health Care Act (AHCA) – that partially repeals the Affordable Care Act.
Now it’s the Senate’s turn.
The AHCA as currently written is expected to face an uphill battle in the Senate and when all is said and done, is likely to look different than what the House passed because of policy and reconciliation considerations.
The Senate can’t begin moving forward until the nonpartisan Congressional Budget Office releases an updated analysis (or “score”) of the bill’s potential budgetary and insurance coverage impacts.
Following the Senate’s modifications, the bill will go to the Senate floor for consideration, possibly in early June.

We will do our very best to stay up to date as this unravels and relay information accordingly. Please know, we are always here to help and answer any current questions you may have .

206 842 7410

Auto Insurance, Home Insurance, Umbrella Insurance , Earthquake Insurance – Eagle Harbor Insurance can do it all.

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Eagle Harbor Insurance , we are proud to say, now can offer the largest number of insurance carrier options in our agency history!

This is for both homeowners insurance, auto insurance and earthquake insurance.

Big deal, what does this mean for me as a client?

This means more options, more competition, and an overall lower rate for you as the consumer.

As your broker , we work for YOU…not the insurance carrier. Our objective is to always find you, the consumer, the best rate and coverage, regardless of carrier.

We would love to help you and ” shop” your coverage for the best rate.

Consider calling us today !   206 842 7410

Bainbridge Island Auto & Home Insurance experts

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Our agency specializes in finding the best auto, home , and umbrella insurance rates and coverage for Bainbridge Island! We have carriers who directly recognize our zipcode, understand the demographics, and rate accordingly. There is no reason to pay Seattle prices in a much slower, less congested , and safer area like Bainbridge Island!

Let our due dillegence benefit you. We can offer a fully comprehensive review and new proposals within 24 hrs, the service is always FREE and also always  pressure free.

It’s worth your time to call us and see how Eagle Harbor Insurance agency can help you and your insurance needs.

Shop local

Support local

206 842 7410


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Summer is approaching, lets go camping!

Before you pack up your Boat, RV , ATV’s or Motorcycles , take a moment and make sure your recreational ” toys” insurance is current.

With our extended and LONG winters here, insurance and the toys are out of sight and out mind for many months. It is very easy to have a simple oversight on the insurance.

At Eagle Harbor Insurance we have many insurance markets to fit your recreational needs. We offer everything from a simple $100.00 liability only dingy/ tender policy all the way up to agree value polices for mega yachts and luxury motorhomes.

We also offer liability only coverage policies for dirtbikes , ATV side by sides, and other off road items for as low as 75.00 a year!

We can quote, bind and get you proof of insurance , same day !

Call us 206 842 7410summettime

Professional Liability Insurance / Errors and Omissions Insurance Coverage – Eagle Harbor Insurance writes it all !

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Are you in need of Professional Liability Insurance also know as Errors and Omissions coverage?

Don’t know where to turn or even know exactly what this coverage is? Have a client who is requiring this coverage for you to implement your services at their facility?  We are here to help!

At Eagle Harbor Insurance we can write Professional Liability or Errors and Omissions coverage for  almost ANY profession and can meet a VERY wide range of needs coverage limit wise.

We will take the time to fully explain the coverage, how it works, and how it is quite different form of insurance , compared to your vanilla office insurance policy.

You name the scope of work, coverage needs, timeline,  and we will find the carrier to offer  you the proper coverage at the best price.

An example of some professions we write Professional Liability or Errors and Omissions for  are:

Attorney, Architect, CPA, Financial Advisor, Insurance Agent, Insurance Broker, Weather Consultants, Plant Biotech, Computer Tech advisors,  Programmers,  Web Designers , Pet Breed Consultant, Life Coach,  Media Consultant, etc.

No risk is ever too complex for us !

Please call us to explore your  options.