Christian Richter 
Earlier this month, the Second Edition of Firescaping by Douglas Kent was released. The book is a comprehensive and clearly written resource that should be read by anyone living in the mountains or rural parts of CA. Wildfires have thrown the California home insurance market into chaos, and any measures that can help to improve a home’s insurability should … Read more
If you live in an area that is susceptible to wildfires, then you already know the damage these fires can do to the surrounding areas and your home. Whether you live by the shores of Lake Tahoe, or in the hills of Malibu, it is important that you take every pre-caution to make sure that … Read more
Given the huge transformation the world is going through, the home sharing and property rental businesses have really taken off in the last two decades. Renting out spare rooms, a portion of, or even an entire house to earn some extra money, or a full-time income, has become increasingly common nowadays. Each year the number … Read more
Do you own an amazing vacation house on Lake Tahoe, or a desert oasis home in Palm Springs? What about a sprawling vacation ranch in Texas, or a beautiful snow laden retreat in Utah? If you own any type of vacation home, keep reading. Now, are you renting this vacation home for less than thirty … Read more
The last three years have been devastating to California home insurers. We’ve previously written about how this might impact home insurance into the future, and much of what we expected was negative: policies being non-renewed, insurers leaving the state, rates increasing, etc. Since the time of that writing, Merced Property and Casualty went insolvent and was taken … Read more
A new version of this post can be found below. Updated 7/13/2023. Nearly five years ago we predicted California homeowners would experience non-renewals, closing zip codes, “high fire hazard” surcharges, and a shrinking number of options as companies left the market altogether. All that was predicted has come to pass, culminating recently when the nation’s … Read more
Rancho Santa Fe, CA is a beautiful city tucked away in the hills of San Diego. With an average home value of more than $2.6 million, you can be certain the homes are exceptional in every regard. Without question, homes of the quality found throughout Rancho Santa Fe should be insured with a premiere insurance company that … Read more
Elon Musk and Tesla have been in the news recently for a variety of reasons – we’ve most enjoyed the banter between Musk and the highly revered Charlie Munger and Warren Buffet. Tesla continues to struggle with production issues and a backlog of vehicle orders now over half a million and counting. And while profitability and sustainability … Read more
As the first quarter of 2018 comes to a close, there is a trending issue that we’re keeping a close eye on: the rapid increase in home insurance premiums. The jump in rates is being triggered by two primary factors – skyrocketing construction costs and the negative effects of 2017’s record insurance losses. A Booming Economy … Read more
Today’s insurance consumer can purchase a policy three different ways: 1) directly from an insurance company, 2) through a “captive” insurance agent, or 3) an independent insurance agent. Old Harbor is the latter, and we believe that being independent truly offers the maximum benefit to our valued clients. So, what exactly are those client benefits … Read more
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