Christian Richter 
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
Many condo owners believe the HOA’s insurance policy provides coverage for the complex, and by extension, to them. However, in almost all circumstances that is not the case. HOAs typically insure the “shell” of the complexes and liability for common areas, but there are several important holes that must be filled to completely protect a … Read more
2017 is more than a quarter of the way over! It’s Friday, and to celebrate the end of a week, we’ve decided to take a look back at the four “Cars of the Month” so far this year. Each of these vehicles is a true classic, and we consider it a privilege to work with … Read more
If someone told you that filing repeated home insurance claims would cost you down the road, would you listen? The simple fact is that filing small claims almost always does more harm than good. “Exhibit A” below is a real-life example on the negative impact that can come from repeated, small claims. Josie Perez purchased … Read more
Anyone that has purchased a home knows the tremendous undertaking it can be. The task of getting pre-qualified for a mortgage and having an offer accepted is only the beginning, and once you’re in escrow, the process can become an absolute whirlwind. Because of this, many things are often overlooked until just before the close … Read more
A Short Story about The Smiths Joe and Laura Smith are your classic high school sweethearts; they’ve been together since they were sophomores. This past year celebrated their eight-year anniversary and their 33rd Birthdays. Joe’s a hardworking manager for a mid-size technology sales company and Laura works part-time as a photographer and styling specialist. They live a … Read more
Old Harbor is pleased to announce a new carrier partnership with American Strategic Insurance (ASI). ASI’s current CEO and President, John Auer, founded ASI in 1997. Mr. Auer saw a glaring need in the southeastern United States for a well run, stable home insurance carrier. That region was one that had been nearly impossible for … Read more
An escrow account, sometimes referred to as an “impound account,” is a special account that the mortgage company maintains for the borrower’s home insurance and taxes. The escrow account is funded monthly with a portion of each mortgage payment that is made. The funds are then used by the lender to pay tax and insurance … Read more
On August 26, 2016, California’s Governor Brown signed Assembly Bill 2883 into law. The new law alters current Labor Code sections 3351 and 3352 by changing both the definition of an ’employee’ and the eligibility criteria allowing the exclusion of workers’ comp coverage. As of January 1, many companies that were previously able to exclude certain officers, directors, and … Read more
CSE Insurance recently rolled out a great, new Landlord Insurance product. We’ve been fortunate to partner with them since the founding of Old Harbor, and expect that this new offering will further our mutual successes. This new Landlord Insurance program offers overages that have previously been difficult, or impossible, to find for landlords. Coverage for … Read more
California Office
Idaho Office
Texas Office
Copyright © 2025 Old Harbor Insurance
