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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