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101 N Ivy St
Canby, OR 97013

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The Impact of Renovations on Your Home Insurance Policy

Home renovations are a great way to enhance your living space and increase your home’s value. You can alter not only the appearance of your home but you can also improve the function of the house. However, many people fail to realize that renovations can impact your home insurance needs. Understanding that these improvements can also affect your home insurance policy is essential. Here are some ways your policy can be affected by renovations from Oliver Insurance, a home insurance provider in the greater Canby, OR region. 

1. Increased Coverage Needs

When you renovate or make significant additions to your home, such as adding a new room or updating the kitchen, you may need to increase your insurance coverage. The increased value of your home and its contents means you should have adequate coverage to rebuild or replace them in case of damage or loss. 

2. Notify Your Insurer

It’s crucial to inform your insurance company about any renovations. Failure to do so could result in gaps in coverage. Your insurer needs to know about the changes to assess the impact on your policy and adjust your coverage accordingly.

3. Liability Concerns

Renovations can introduce new liability risks. You may be held liable if a contractor or worker is injured on your property during the renovation. Ensuring you have sufficient liability coverage is essential.

Home renovations can significantly impact your home insurance policy. If you’ve completed home renovations, and you’re unsure if your existing policy still meets your needs or you are looking for a new policy, let the team at Oliver Insurance, serving the greater Canby, OR region, assist you. Reach out to us today to learn more.

Four challenges when you buy pet insurance

Getting pet insurance is essential so that you can afford the veterinary care that your pet needs. Pet owners in Canby, OR can rely on us for pet insurance at Oliver Insurance.

You may face some challenges when you’re looking for the right insurance policy for your pet. The following are four challenges you may face when you buy pet insurance. 

Getting pet insurance for a pet with a pre-existing condition

If your pet has a chronic, pre-existing health issue, finding pet insurance could be a bit harder. While most pet insurance providers do not cover pets with pre-existing conditions, many do. You’ll have to shop around a little more to find your needed coverage. 

Knowing how high your coverage limits should be

Consider factors including your pet’s age and general health condition when deciding how much coverage to buy. If you’re unsure how much coverage to invest in, you can discuss this with your veterinarian to determine your pet’s policy limits. 

Being unaware of which companies offer pet insurance in your area

While you might be familiar with many auto and home insurance providers in your area, you might not know which insurance companies offer pet insurance. You’ll have to do some research on the Internet to locate pet insurance providers near you who can insure your pet. 

Understanding the terms of your pet insurance policy

Be sure to read all the fine print of your policy so that you know what’s covered and what’s not. If you have questions, ask a representative from your pet insurance provider so that you fully understand the policy you’ve bought.

Let us help you deal with these challenges and get the pet insurance you need in Canby, OR. Call us at Oliver Insurance to get a quote on a policy today!

How to Choose the Right Deductible for Your Car Insurance Policy

Your deductible is one of the most essential details you’ll consider when setting up your car insurance policy, so it’s crucial to understand your choices. If you’re located in Canby, OR, we at Oliver Insurance will be happy to help you figure things out. But first, check out the following tips on how to pick the right deductible for you.

How Do Deductibles Work?

Your car insurance deductible is the monetary amount you’ll have to cover on your own before your insurance company starts paying out toward damages. You’ll need to pay that deductible each time you need to file a claim.

Some types of car insurance coverage have deductibles – like collision coverage and personal injury protection – while others don’t. You can also choose your deductible when you sign up for a policy.

Choosing a higher deductible means paying lower monthly premiums. However, it also means you’ll need to cover more of the resulting costs out of pocket if you ever need to file a claim.

How to Make a Wise Deductible Choice

Naturally, the goal is to make sure you can easily afford the costs associated with your Canby, OR car insurance, both month to month and in the event you ever get into an accident. Consider factors like the following when selecting a deductible:

  • Driving History: If you have a history of car accidents and moving violations, opting for a lower deductible might be better.
  • Car Value: The lower your car value, the less your carrier will ultimately pay you if you ever suffer a total loss, making a lower deductible smarter.
  • Financial Situation: If you don’t have much money saved to cover you, if you ever have to pay a deductible, it may be easier to cover higher premiums.

It’s also a good idea to consult with professionals before finalizing any insurance decision, and Oliver Insurance will be happy to help you make a wise one. Call us today, and let us know how we can assist you!

Will Boating Insurance Protect Me When I’m Trailering My Boat?

Canby, OR residents are surrounded by a multitude of great places to boat and enjoy water activities. Canby, OR itself, lies just on the banks of the Willamette River and just a short drive from the Pacific Ocean and the Puget Sound. In short, this town is an excellent place to own a boat and take all over the area. However, if you do so, you might wonder whether your boating insurance will cover any incidents that happen when your boat is out of the water and taken between places.

Our team at Oliver Insurance is always eager to answer these types of questions. Consider the following answer to this one about Oregon boating insurance:

Will Boating Insurance Protect Me When I’m Trailering My Boat?

Short answer: Yes! Most types of boating insurance policies will have provisions that will cover exactly this type of scenario. But let’s take a quick look at the specifics of those provisions:

  • General Liability. The most basic type of boating insurance will include liability coverage. It will nearly always extend to when you are trailering your boat. General liability coverage offers financial and legal protection if someone else is injured by a collision or other scenario in which you are found at fault.
  • Physical Damage Coverage. This type of insurance provides you with reimbursements if your boat is damaged in a collision or protected event, and the at-fault party’s insurance doesn’t cover all of the costs to repair or replace or doesn’t exist. 
  • Comprehensive Coverage. Comprehensive coverage offers protection extending well beyond basic physical damage policies. Here, your boat is covered in the event of natural disasters, thefts, and more — whether on the road, in a parking lot, or on the water.

Learn More With Oliver Insurance

Get the right insurance coverage for your Canby, OR needs! Contact our team today at Oliver Insurance and protect your assets today!

What coverage comes with a motorcycle insurance plan in Oregon?

If you are going to live in the Canby, OR area and need a mode of transportation, a motorcycle can be a good idea. If you purchase a bike, you will want to get insurance for it. A standard motorcycle insurance plan in this part of Oregon will provide various forms of coverage that will ensure you are supported and have peace of mind. 

Protection for Motorcycle

One type of coverage that you will get with a motorcycle insurance plan is protection for the motorcycle. When you purchase a bike, you will want to be able to use and enjoy it for a long time. A great way to ensure this happens is by getting a full motorcycle insurance plan that will provide coverage if your motorcycle is damaged or stolen. 

Reduce Liability Risks

It is also helpful to have a motorcycle insurance plan as it can help to reduce the risk of being named liable for accident damage. When you choose to ride a motorcycle, there will always be a chance that you could cause an accident. When this occurs, you will have to cover such damage. If you are insured with a full motorcycle insurance plan, it will provide the support you need to cover these costs and provide financial protection. State law also requires this coverage if you want to use a motorcycle in Oregon. 

Having a motorcycle insurance plan is very important for anyone buying a motorcycle in the Canby, OR area. If you purchase one of these assets here, you should call our team with Oliver Insurance to discuss all such insurance needs. Our insurance professionals at Oliver Insurance will guide you so you can build a plan that offers adequate protection. 

Should College Students Consider Life Insurance?

Life insurance is often the furthest concern in the mind of a college student, but there are legitimate reasons to consider obtaining this protection. Certain types of student loans can be transferred to your estate or next of kin should you die unexpectedly, and this will usually fall to your co-signer. Some contracts require that the total balance be paid at once. Life insurance can also provide a buffer in case funds are needed for your burial so your family is provided for. 

College students sometimes start their families while acquiring their education, and they can get married. A young family can encounter financial difficulties and struggle with meeting housing needs if one of the parents dies. Life insurance can not only help to pay off debts but it can also be put toward your own children’s future college expenses. 

Some parents of college students have chosen to finance the tuition by mortgaging their homes or tapping into 401(k) investments. Discussing such information with your knowledgeable Oliver Insurance specialist in Canby, OR, is vital to determine the best insurance package for you. 

It’s also common for students to incur credit card obligations while living on their own for the first time with limited earning potential. These outstanding balances may also become the responsibility of those closest to you. 

Some types of insurance, such as whole life, enable you to use the savings feature from which you can borrow if you are ever in a bind. In addition, some may also allow you to make investments with this money. 

Oliver Insurance Can Assist You

We serve clients living in the Canby, OR region and can help you with your insurance needs. We invite you to contact us by phone, online, or in person to review your details further. 

Determining the Need for Umbrella Insurance

Life in Canby, OR is unpredictable, and sometimes, accidents could cost you significant money. What happens when the damages or medical expenses exceed the amount covered by your home or auto insurance policy? This is where umbrella insurance comes in. An umbrella insurance policy from Oliver Insurance is an extra layer of protection that covers you financially when your other insurance policies can’t.

  • Assets: What assets do you have that you want to protect? This could include your home, vacation properties, vehicles, savings, investments, or retirement accounts. The more assets you have, the more you could lose in a lawsuit if you are sued. Anyone with a net worth of $500,000 or more or earning a high income should consider purchasing an umbrella policy to protect their assets.
  • Potential Risks: Consider your profession, hobbies, social activities, and lifestyle choices that could lead to potential risks. Engaging in risky or dangerous activities such as extreme sports, owning a swimming pool, or having pets could put you at a higher liability risk. If you have multiple cars or drivers on your policy, an accident involving one could leave you vulnerable. If you frequently host parties and serve alcohol, you could be held responsible for any accidents or damages.
  • Cost vs. Benefit: The cost of the premiums should not be the only factor when considering whether or not to buy one. Considering what it would cost you in a lawsuit quickly puts things into perspective.

Umbrella insurance in Canby, OR is an extra layer of insurance coverage that provides financial protection above and beyond what is covered by our home and auto policies. Contact Oliver Insurance if you have any other questions. We’re here to help.

Why All Homeowners Need Home Insurance

If you are a homeowner, you have a lot of essential responsibilities. One of these is to protect your home with a home insurance policy. There are countless risks that you face as a homeowner. These policies can protect you against many of these risks. Each policy comes with different types of coverage that are each important for your protection. Going without any of these coverage types can put you at risk for financial disaster. Call us today at Oliver Insurance in Canby, OR when you need home insurance.

Property Protection

When you have home insurance, it protects the house itself. It has a wide range of damaging events that it covers. This can include several disasters as well as things like accidents. When damage is done to your home by a damaging event, the policy will pay for the repairs. Major repairs can be extremely expensive, especially if areas of your home have to be rebuilt. When you have home insurance, it can save you from these expenses. 

Item Protection

All your belongings are likely in your home and need to be protected, too. It’s crucial to have home insurance for the coverage it gives you for your belongings. If a damaging event happened and ruined many of your items, your home policy could pay for them to be replaced. It’s a good idea to have this coverage no matter how much you own. Replacing everything can cost a considerable amount. It would be best to always have home insurance to protect you from that high cost. When you set up your policy, an estimate of the value of your belongings will be made. 

Get Home Insurance Today

When you own a home, never be without home insurance. Give us a call now at Oliver Insurance in Canby, OR. 

Required Commercial Insurance in Oregon

When you own a business in Oregon, there are certain types of commercial insurance that you may need. Two types are required for many types of businesses. Several non-mandatory insurance policies can help you protect your business. When you want to ensure that your business is following the law, you need to ensure you have the required policies in Colorado. You can call us at Oliver Insurance in Canby, OR to learn more.

Workers’ Compensation Coverage

When your Oregon business has employees, you’re required to have workers’ compensation insurance. This is required no matter how many employees there are. It’s also required whether the workers are part-time or full-time. This coverage will pay for the bills that result from a worker having an accident at work. It also covers workers who get an illness related to their work. The coverage pays the medical bills along with any therapy needed during recovery. It also covers disability benefits. Every business with employees needs to protect themselves with this coverage. 

Commercial Auto Insurance

If your Oregon business owns any vehicle, you’re required by law to have a commercial auto policy for it. Several types of coverage have to be in these policies. One of these is bodily injury liability. One amount is required for one person injured and another for everyone injured in an accident. Then, there is an amount for property damage liability that’s required. In addition to these, coverage for uninsured motorists must be in these policies. And finally, there is a small amount of personal injury protection required. This will pay for your own medical bills after an accident. 

Call Oliver Insurance for Commercial Insurance

Call us at Oliver Insurance in Canby, OR when you need commercial insurance in Oregon.

Does Pet Insurance Cover Routine Exams?

Pet owners know that both routine and emergency veterinary care services can add up. The best way to protect against losses and other associated pet care issues is to purchase a quality pet insurance policy. Let the experts at Oliver Insurance help you get the options you want to match your needs. We proudly serve Canby, OR area residents to help them get the insurance products and services necessary to protect the things they care about.

Routine Pet Care

Pet insurance policies are designed to provide pet owners with coverage for routine and wellness care exams and services. Having pet insurance makes getting care for your pets needs easy and helps them to live a healthy and happy life more accessible. Pet insurance can also offer coverage for certain tests, diagnostics, and emergency services. If you have questions or concerns about pet insurance coverage, a helpful team of insurance professionals can provide answers and support.

Our insurance agents carefully assess each customer’s current pet insurance needs and match them with appropriate insurance policies to provide the best insurance products. We can also assist with document submission to secure the policy and assist you with any changes or claims during the policy’s lifetime.

We believe in providing exceptional customer service and work hard to ensure each individual gets the protection and options they need with their pet insurance policy. Please call or stop by our office today to schedule a consultation with one of our team members at Oliver Insurance. We strive to provide residents of the Canby, OR, area with services that protect them from risks and give them peace of mind. Reach out today to get started. 

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