Why does home insurance ask about dogs? The answer lies in the unique risks that pet ownership introduces, particularly with dogs. While dogs are beloved family members, they can also bring additional liability concerns for insurers, depending on their breed, behavior, and size. Certain dog breeds have a higher risk of causing injuries or property … Read more
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
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
When unexpected issues arise with your garage door, knowing whether your home insurance policy covers the repairs can save you both stress and money. As you navigate the intricacies of insurance coverage, Old Harbor Insurance is here to assist. With our comprehensive personal insurance options, we ensure you’re well-informed and protected against unforeseen damages. Let’s … Read more
Imagine losing all your belongings in a fire, a burglary, or a natural disaster and having no financial support to replace them. Renter’s insurance is designed to protect you from such scenarios, covering personal property, liability, and additional living expenses. Without it, you risk significant financial hardship, potential eviction, and legal liabilities for accidents occurring … Read more
Understanding what your homeowner’s insurance covers is crucial, especially when it comes to unexpected issues like roof leaks. Whether due to sudden storm damage or other unforeseen incidents, knowing your coverage can save you stress and expense. At Old Harbor Insurance, we’re committed to providing you with comprehensive coverage tailored to your needs. We prioritize … Read more
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
Imagine arriving home to find your apartment flooded, your belongings damaged, and facing the possibility of costly legal claims due to an injury that occurred on your property. It’s a nightmare scenario, but one that renters insurance can shield you from. For tenants, this coverage isn’t just about protecting possessions; it’s about ensuring peace of … Read more
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
Choosing the right coverage for your rental property in California starts with understanding the average cost of landlord insurance. As a landlord, ensuring your investment is protected against unexpected events is crucial for your financial stability and peace of mind. At Old Harbor, we’re committed to guiding you through the complexities of landlord insurance, ensuring … Read more
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