The last three years have been devastating to California home insurers. We’ve previously written about how this might impact home insurance into the future, and much of what we expected was negative: policies being non-renewed, insurers leaving the state, rates increasing, etc. Since that the …

At the time of this writing, there are two active fires (Carr, Ranch) in California that have consumed over 200,000 acres and a handful of others burning throughout the state. Earlier this summer, the Ferguson fire burned nearly 100,000 acres.  Last year, the Thomas fire …

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 …

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 …

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 …

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 …

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 …

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, …