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

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.

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206 842 7410

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.

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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 7410

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.

Earthquake Insurance in the Pacfic Northwest

Bainbridge Island and beyond!

Here in the Northwest Earthquake Insurance is one of the most important types of Insurance to add to your Homeowner’s Policy…and yet it is also the most forgotten about. Thinking about Earthquake Insurance requires preparing for the worst, and yet as humans we tend to hold the mind set, “Oh that would never happen to me!” However, looking at where we are located here in Washington state we have to be …aware that it very well could happen to us. The question we really need to ask ourselves is, “if it happened could I afford to replace my home?” Most of us would have to answer “No.” In light of this it is extremely important to have Earthquake Insurance.

Earthquake Insurance can be added as an endorsement to your existing policies, or it can be purchased as a stand-alone policy. There are certain underwriting guidelines when purchasing one of these policies. These guidelines are:
•What year was home built?
•Type of foundation?
•Type of construction; frame or masonry?
•Approximate distance to water?
•Is the home located on a steep bank?

Many insurance companies in the State of Washington no longer offer Earthquake Insurance. Consumers may not even be aware that their insurance company is no longer offering this coverage. It is important to call your current insurance company and specifically ask them if they carry Earthquake Insurance.

At Eagle Harbor Insurance we have numerous different markets that provide Earthquake Insurance, and we will work with you to find the type of coverage you need.

Feel free to call us anytime !

(206) 842 7410

Reviewing your auto coverage…..

PIP coverage? Do I need this ? What is PIP? What am I paying for?

Here it is in a nutshell:

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Personal Injury Protection (PIP) is an extension of car insurance available in Washington state. It is first dollar coverage, that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as “no-fault” coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to “fault,” or more properly, legal liability. That is, even if the person seeking PIP coverage caused the accident, they are entitled to make a claim under the PIP portion of their policy. “No-Fault” does not mean that insurance premium of the person making the claim will not increase. Typically a PIP claim is made by the insured driver to their own insurance company, regardless of fault, opening up funds to cover medical and wage needs while the claim is unraveled.

Biggest Opposition I hear to having PIP:

” I don’t need this coverage, I have medical insurance.”

Answer- You get hit by someone else, they have no insurance, your hurt. Your medical deductible is 2500 or even 5,000 these days. Do you want to pay this? PIP would cover this for a few dollars a month.

Answer- Your friend is in your car, they do NOT have medical insurance (still common even with ACA in place)…… PIP would cover them , no PIP, what do they do?

For literally a few dollars a month , you can get 10,000 in PIP coverage, for a bit more 35,000 in coverage.

Do NOT be swayed by a few dollars savings, include this coverage in your portfolio. You will thank yourself later!!!!

A question clients always ask during this stormy time of year :

If a tree falls on my house, does my homeowners insurance cover us?

If a neighbors tree falls on my house, am I still covered and who is responsible?

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If you are insured on any H0-3 or H0-5, both standard homeowners forms, the answer is yes you are covered. You are covered not only for the damage,but also for the tree removal and cleanup. ( less your deductible)

If a tree falls on your house from a neighboring property you are also covered. Yet this scenario is where folks can get a bit confused. Since the tree was on a neighbors property, most people deem the neighbor responsible, and think the neighbor must handle the claim and assume all the costs. This is NOT true. A healthy tree falling is considered ” an act of god” and has no fault , regardless of who’s property the tree resides.

** Notice I said ” healthy tree”. There is scenarios where a professional can be consulted and a tree can be deemed a danger due to rot, insects, heavy leaning, hanging limbs, etc. In this case, the neighbor could actually have some liability if the professional indicated the tree should be removed , due to the risk of falling. If the neighbor ignores this warning , it could be deemed neglect , possibly shifting the fault to them. This is of course a case by case scenario.

Overall , we recommend you walk your entire property, check your trees for health and dangerous hanging limbs, and of course consult a professional when in doubt.

Better safe now, instead of sorry later!