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101 N Ivy St
Canby, OR 97013

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Oliver Insurance Blog

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. 

Crash Course: Understanding Auto Insurance Coverage and Claims

At Oliver Insurance, serving the Canby, OR area, we understand that navigating auto insurance can be confusing and intimidating. That’s why we’re here to give you a crash course in understanding auto insurance coverage and claims. 

Auto Insurance 101

When it comes to auto insurance, there are several important terms you’ll need to know before signing up for coverage:

  1. Liability coverage (which covers bodily injury and property damage caused by an at-fault driver).
  2. Collision coverage (which pays for repairs due to vehicle damage caused by accident).
  3. Comprehensive coverage (which pays for non-accident-related damages such as vandalism or theft). 
  4. Uninsured/underinsured motorist coverage (which protects if someone without insurance causes an accident). 

Breaking Down Coverage

When signing up for auto insurance, it’s essential to make sure you’re getting the right coverage for your needs. One way to do this is by breaking down coverage into three categories: liability, collision/comprehensive, and uninsured/underinsured motorist coverage.

  • Liability coverage covers bodily injury and property damage caused by an at-fault driver.
  • Collision coverage pays for repairs due to vehicle damage caused by accident, while comprehensive coverage pays for non-accident related damages such as vandalism or theft.

Lastly, uninsured/underinsured motorist coverage provides protection if someone without insurance causes an accident. 

A Guide to Filing Auto Insurance Claims

First, ensure you’ve reported the incident to your local police department, no matter how small the damage or incident. Gather as much information as possible about the accident (witness names, contact info, photos of the scene). 
Next, know your coverage and speak to your insurance provider about filing a claim. Document any conversations with your insurer and keep all paperwork related to the claim in one place. 

Final Thoughts

At Oliver Insurance, we want to ensure you’re confident when understanding auto insurance coverage and claims. With this crash course under your belt, you can rest assured that you’ll be prepared for any auto insurance-related situation that may arise. If you have any questions about your Canby OR policy or want to switch providers, contact us today to learn more!

Motorcycle Safety Tips for Driving In The Rain

Staying safe out on the road requires more than carrying good motorcycle insurance. The first line of defense should be to do all you can to prevent accidents from happening in the first place. Although driving a motorcycle in the rain is not necessarily recommended, here are some tips from Oliver Insurance on staying safe if you get caught in the rain in Canby, OR, or the surrounding areas. 

Slow Down

This goes for drivers of motorcycles or vehicles, but the first thing you should always do once it starts raining is to slow down considerably. Rain will decrease your visibility and increase the chances of hydroplaning. You might be tempted to speed up to get home sooner to get out of the rain, but this is not the safest option. You need to slow down if you are caught on your motorcycle in the rain. 

Seek Shelter

If you notice the rain intensifying, you might need to pull off the road and seek shelter. Remember, you do not have many of the advantages that drivers of cars and trucks have when driving in the rain. You do not have the same physical protection as the windshield and body of the vehicle. You will get very wet; once you are wet, your hands will be slippery on the handlebars, and your feet will also be slippery. In severe rain, always pull off somewhere safe and seek shelter. 

Check Before Your Ride 

Always check the weather before heading out to avoid getting caught in the rain. This simple step can often help to avoid a dangerous situation. 

If you would like to learn about motorcycle insurance, please contact us at Oliver Insurance, serving Canby, OR, and the surrounding areas. 

Do You Need Flood Insurance?

As a homeowner, you can’t afford to overlook critical details in your insurance coverage. Many homeowners believe a regular homeowner’s insurance policy covers flood damage. This is not usually the case, however. At Oliver Insurance, serving Canby, OR, and the surrounding area, we are here to help you better understand insurance coverage for your home. Keep reading to learn more. 

Is Flood Damage Covered Under My Policy?

Not all home insurance policies provide for flood damage resulting from natural disasters. This is because flood risks vary so much from region to region in the US. It isn’t easy to create insurance policies that cover everyone similarly. 

Do I Need To Add Flood Insurance?

If you are in an area of the US that experiences flood risks, you should talk to an insurance expert concerning flood insurance. This is usually an additional type of coverage that you would add to your policy. 

To determine your risk for flooding, an insurance professional will sit down with you and evaluate the risk factors for the area in which you live. 

What Does Natural Disaster Flooding Mean?

A natural disaster flood means flooding from something outside your home. This can include the weather, an earthquake, or flooding caused by other things. This differs from flooding, which can happen within your home due to faulty plumbing or an appliance malfunctioning. 

If you would like to learn more about flooding risks and flood insurance, please contact us at Oliver Insurance, serving Canby, OR, and the surrounding areas. We will be thrilled to meet you and help you better understand your insurance options. 

Boating to Canada? What You Need to Know About Boat Insurance

Many of us in Canby, OR enjoy taking our boats out on the water. But what happens if you plan to take your boat across the border into Canada? Do you need additional or specialized boat insurance to visit our northern neighbor? 

Do I Need Additional Boat Insurance If I Take My Boat To Canada? 

The short answer is yes; you will likely need additional boat insurance if you take your vessel into Canadian waters. This is because Canadian waters’ rules and regulations differ from those in the US. The same applies to rental boats; if you’re renting a boat in Canada, ensure it has proper coverage since your existing policy may not apply there. 

What Does My Existing Policy Cover When Taking My Boat To Canada? 

Your existing policy likely won’t cover any accidents while boating in Canada. While some policies may offer limited coverage for recreational vessels operating within 25 miles of the US-Canadian border, check with Oliver Insurance before you leave. In most cases, additional coverage is recommended when taking your boat across the border—especially if you intend to stay in Canadian waters for longer than a few days. 

How Can I Get Additional Boat Insurance For Traveling Into Canadian Waters? 

We provide custom boat insurance policies at Oliver Insurance that meet each client’s unique needs. We understand how important it is to have peace of mind when taking your vessel out on open water, whether here in Canby, OR, or way up north. That’s why we work hard to provide boat insurance coverage tailored to each customer’s needs. Our knowledgeable agents can help you select a policy that offers the right coverage while staying within budget. 

How can I benefit from having umbrella insurance?

Anyone in the Canby, OR area will want to know they have proper personal liability coverage. An umbrella insurance plan is one of the best ways to be assured of adequate coverage. Those that receive this type of coverage can benefit in various ways. 

Get Coverage for More Scenarios

A reason that many people will want to obtain an umbrella insurance plan is so they can get coverage for more scenarios and perils. Most people will already have some liability coverage through their home or auto plans. However, these plans do not support all situations that can result in a liability claim. When you have umbrella insurance, it offers much broader personal liability support. 

Further Coverage for Large Claims

Getting an umbrella insurance plan can also be a good idea because it can provide you with more coverage. If you are found at fault for an accident at home or when driving, you will probably have some liability coverage through your other plans. However, if the claims are significant, they could exceed your base policies. In these situations, you will be happy to have umbrella insurance, which offers additional coverage on top of your other policies. 

Everyone in the Canby, OR area should take their personal insurance needs seriously. If you are looking for an umbrella insurance plan, call our team at Oliver Insurance to learn more about this option. Our team of professionals at Oliver Insurance knows how important this coverage is. We can give you the support you need to help ensure you get into the right plan for your situation, which will provide personal liability coverage to reduce your risks. 

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