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Who Pays Home Insurance When Renting? Tenant vs. Landlord Responsibilities

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Who Pays Home Insurance When Renting

For landlords and tenants alike, understanding who pays home insurance when renting helps establish clear responsibilities and comprehensive coverage. Home insurance in rental scenarios involves distinct roles: landlords typically insure the property structure, while tenants are responsible for protecting their belongings and personal liability. Misunderstanding these roles can lead to gaps in coverage that leave … Read more

How to Find an Independent Insurance Agent for Your Home Insurance Needs

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How to Find an Independent Insurance Agent

Finding the right home insurance is easier—and more rewarding—when you know how to find an independent insurance agent who can customize your coverage. Independent agents have the flexibility to source options from multiple carriers, offering you a range of choices that captive agents simply can’t match. This gives you access to competitive rates, diverse policy … Read more

What Home Insurance Adjusters Won’t Tell You: Key Secrets to Protect Your Claim

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What Home Insurance Adjusters Won’t Tell You

When navigating a claim, what home insurance adjusters won’t tell you could cost you thousands. Adjusters are there to assess your damage, but their goal is to save the insurer money—not necessarily to ensure you get every dollar you’re entitled to. Homeowners often miss critical steps that could maximize their claims because some tactics, like … Read more

Does Home Insurance Cover AC Leaks?

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Does Home Insurance Cover AC Leaks

Home insurance is a critical safety net that protects you from unexpected expenses when your property faces damage. But when it comes to specific issues like air conditioner (AC) leaks, knowing what your policy covers is essential. AC leaks can lead to significant damage, such as water-soaked floors or mold growth, which can be costly … Read more

Multi-Family Home Insurance And How Much It Costs

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Multi-Family Home Insurance And How Much It Costs

Owning a multi-family home is a smart investment, but it also comes with unique responsibilities—especially when it comes to protecting your property. Multi-family home insurance is crucial for safeguarding your building and your finances against unexpected events like fire, storms, or liability claims.  Whether you live in one of the units or rent them all … Read more

Does Home Insurance Cover Tornadoes?

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does home insurance cover tornadoes (1)

Tornadoes strike with little warning, transforming landscapes and lives in moments. For homeowners, especially those in tornado-prone areas, the question isn’t just about survival; it’s about recovery. At Old Harbor Insurance, we understand the weight of this reality. That’s why we are dedicated to helping you navigate the complexities of homeowners insurance. Does your policy … Read more

Does Home Insurance Cover Electrical Problems?

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does home insurance cover electrical problems

Imagine coming home to find your appliances fried by a sudden power surge or flickering lights indicating a deeper electrical issue. Home insurance is your safety net, protecting you from unexpected damages and ensuring your peace of mind. Electrical problems in homes are not just inconvenient; they can be dangerous and costly if not addressed … Read more

8 Useful Home Insurance Tips For Best Coverage

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Home Insurance Tips

When it comes to securing your home, knowing the right home insurance tips is crucial, especially for specific needs like home insurance for unoccupied property. At Old Harbor, an independent insurance agent in California, we’re dedicated to guiding you toward the best protection for your home.  We understand that your home is more than just … Read more

A 2025 Old Harbor Home Insurance Inspection Checklist

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Home Insurance Inspection Checklist

When it comes to protecting your home, understanding your home insurance inspection checklist is crucial. These inspections play a vital role in assessing the condition of your property and ensuring that your insurance coverage aligns with your needs.  As an independent insurance agent in California, Old Harbor is committed to guiding you through this process. … Read more

Extended Replacement Cost Coverage And What It Involves

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Extended Replacement Cost Coverage And What It Involves

Extended replacement cost coverage is a component of homeowners insurance that protects homeowners against any unexpected cost increases connected to rebuilding their homes. This type of insurance affords policyholders added security beyond the usual homeowner’s insurance coverage. If you find yourself in the unfortunate situation of needing to rebuild your home due to severe damage, … Read more