Harbour Insurance Services Inc

10/15/2026

Who Covers My Stuff?

Your condo association does not care about your 75-inch TV. 😬

Or your sofa.

Or your laptop.

Or that closet full of clothes you swear you're going to clean out someday.

The condo association's policy generally isn't there to insure your personal belongings inside your unit.

That's where YOUR condo insurance comes in.

Think:

📺 Electronics
🛋️ Furniture
👗 Clothing
💍 Jewelry
💻 Computers
🏠 Other personal belongings

One of the easiest ways to underestimate your coverage needs?

Trying to guess how much all your stuff is worth without actually adding it up.

Spoiler: It's usually more than you think.

Visit our website at www.myharbourinsurance.com for a quote today.

10/13/2026

Maybe let's rethink that part.

Before your little ghost, ninja, Wednesday Addams or inflatable dinosaur heads out:

👻 Add reflective tape or lights to dark costumes.
🔦 Carry flashlights or glow sticks.
🚗 Remind kids to cross at corners and look both ways.
📱 Put the phones down while crossing streets.
👨‍👩‍👧 Younger children should have an adult with them.

And drivers?

Halloween night is NOT the night to test how quickly you can make it through the neighborhood.

Slow down. Expect kids to appear where you don't expect them.

Let's keep the scares fake this Halloween. 🎃

Visit our website at www.myharbourinsurance.com for a quote today.

10/11/2026

How often do you check your emails? 📧👀

Once a day? Every hour? Or are you one of those people with 47,392 unread emails who somehow sleeps just fine at night? 😂

Here's something that might make you think twice before clicking that next message.

🚨 Email is the most commonly used method for cybercrime.

And cybercriminals are getting REALLY good at making fake emails look legitimate.

That email from your bank? Might not be your bank.

That invoice from a vendor? Might not be from your vendor.

That "URGENT! Your account has been suspended!" message?

Yeah…let's not click that just yet. 😬

🔐 A few ways to protect yourself:

✅ Think before clicking unfamiliar links or attachments.

✅ Double-check the sender's actual email address.

✅ Use strong passwords and multi-factor authentication.

✅ Never share sensitive information through an unexpected email.

✅ When in doubt, contact the company directly using a trusted phone number or website.

And business owners, here's another question worth asking: Does your business have the right protection if a cyberattack happens?

Cyber liability insurance may help with certain financial losses and recovery costs associated with covered cyber incidents.

📲 Visit our website at www.myharbourinsurance.com for a quote today.

Now tell us…are you Team Inbox Zero or Team 47,392 Unread Emails? 😂👇

10/08/2026

The association has insurance.

You have insurance.

So…who covers WHAT?

That's the question you want answered BEFORE there's a claim.

Depending on the association's policy and your own policy, you may be responsible for things inside your unit such as:

🏠 Flooring
🏠 Cabinets
🏠 Countertops
🏠 Fixtures
🏠 Appliances
🏠 Improvements you've made

Don't assume the association's insurance automatically covers everything from your front door inward.

Before buying a condo—or reviewing the one you already own—find out exactly where their responsibility ends and yours begins.

Visit our website at www.myharbourinsurance.com for a quote today.

10/06/2026

We love a homeowner who commits to Halloween.

Fog machine? Yes.

Giant inflatable pumpkin? Obviously.

Enough orange extension cords to circle the house twice?

Okay…now we need to talk. 😂

Before your house becomes THE house in the neighborhood, give your decorations a quick safety check:

🎃 Keep cords out of walkways.
🎃 Don't overload outlets or extension cords.
🎃 Keep decorations away from open flames and heat sources.
🎃 Make sure outdoor decorations and lights are rated for outdoor use.
🎃 Secure inflatables and decorations that could become airborne.

Because the only thing we want flying through your yard this Halloween is a witch on a broom. 🧹

Visit our website at www.myharbourinsurance.com for a quote today.

10/06/2026

10/03/2026

Wondering what options you might have with your homeowners insurance premiums rising? You're not alone.
An independent insurance agent can help you with making decisions about your insurance policies.
Visit www.myharbourinsurance.com or Call 281-520-4090 today.

10/02/2026

FRIENDLY REMINDER FROM LCPD 🚦

Flashing yellow doesn’t mean YOLO. 😂

A flashing yellow arrow means you may turn left after yielding to oncoming traffic and pedestrians. It does not mean you have a protected turn.

Wait for a safe gap, make sure the way is clear, and then complete your turn.

Yellow means caution. Flashing yellow means yield. Neither means send it. 😎