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Landlord Insurance vs Homeowevers Insurance Costs: Which One Is More Expensive?

landlord insurance vs homeowners insurance cost

Understanding the differences between landlord insurance and homeowners insurance is crucial, especially when it comes to costs. These two types of insurance serve distinct purposes, and selecting the wrong one can lead to inadequate coverage and unexpected expenses. In this guide, we’ll break down the cost differences and considerations to help you choose wisely.  At … Read more

Breaking News!

Breaking news

On Wednesday March 20th, State Farm Insurance announced they will cancel 30,000 homeowners insurance policies in California beginning on July 3, 2024. In addition, it will also end its apartment insurance program in the state, terminating the 42,000 apartment insurance policies currently on its books. State Farm Insurance, based in Chicago, IL, is the largest … Read more

Homeowners Insurance In California: Key Considerations

homeowner insurance in california

Homeowners insurance in California is more than just a requirement; it’s an essential safeguard for your most valuable asset and your tranquility. At Old Harbor, we’re intimately familiar with the distinct challenges and opportunities homeowners in California face.  As your independent insurance agent, we’re committed to helping you find the most fitting homeowners insurance coverage … Read more

Property Insurance In San Diego: Everything You Need To Know

Property Insurance In San Diego: Everything You Need To Know

In the vibrant city of San Diego, owning property is a significant achievement and a considerable responsibility. We at Old Harbor Insurance understand the importance of both and are committed to helping you navigate the complex world of real estate in San Diago with ease and confidence. With its sunny beaches, bustling city life, and … Read more

How To Change Your Homeowners Insurance Plan: Top 5 Essential Considerations

How To Change Your Homeowners Insurance Plan: Top 5 Essential Considerations

Lots of people switch their home insurance because they want to make sure they’re getting the best coverage for their money, or because they want a company that’s easier to deal with. Some people switch because they found a better deal somewhere else. Whatever your reasons, It’s important to know how to effectively change your … Read more

What Is The Personal Injury Coverage On A Homeowners Insurance?

What Is The Personal Injury Coverage On A Homeowners Insurance?

Homeowners insurance is a valuable asset for any homeowner to have. It provides financial protection for your home and your personal belongings. It also provides liability coverage for any damage or injury caused by you, your family, or your pet. This insurance protects you from unexpected events, natural disasters, and dangerous incidents. Among the variety … Read more

Additional Coverages: 5 Options To Consider When Purchasing A Homeowner’s Insurance

Additional Coverages: 5 Options To Consider When Purchasing A Homeowner's Insurance

While a standard homeowner’s insurance policy offers foundational protection, it often only covers the basics. It protects your home’s structure, belongings, liability issues, and living expenses during repairs. Yet, it might not cover all risks. Think of it as the base of a tree providing essential support. But like a tree, your insurance needs more … Read more

What Is Water Backup Coverage? A Comprehensive Overview

What Is Water Backup Coverage? A Comprehensive Overview

So, what is water backup coverage? In short, it’s an essential endorsement or addition to standard homeowners’ insurance. Its primary objective is to cover the damage caused by external water invasion that flows backward into your home from plumbing or drainage systems. These include incidents where water or sewer systems fail, a sump pump overflows, … Read more

How To Shop For Homeowners Insurance: Key Things To Consider

How To Shop For Homeowners Insurance: Key Things To Consider

Buying a home is a thrilling milestone, and getting homeowners insurance along with the property is prudent if nothing else. Protection against natural elements, unforeseen natural disasters, or simple theft won’t go amiss. But how can you reliably know if the policy is right for you?  The common pitfall for all coverage-seekers is that homeowners … Read more