As the holiday season approaches, we wanted to take a moment to share some updates, celebrate a few highlights, and most importantly—thank you for being a valued client.
What We’ve Been Up To Halloween was a roaring success! Spoiler alert: we take our pumpkin spirit seriously. This year, we went “wild”—literally—with a Wild Kingdom theme. We also kept up our cherished tradition of handing out candy to local trick-or-treaters, bringing smiles (and sugar rushes) to kids in the community.
Holiday Closures We will be closed on the following dates to give our team time with loved ones:
Veteran’s Day: November 11
Thanksgiving: November 28–29
Christmas Eve: December 24 (limited hours 9 am – 1 pm)
Christmas: December 25 & 26
New Year’s Eve: December 31 (limited hours 9 am – 3:00 pm)
New Year’s Day: January 1
Highlights
This year brought meaningful milestones to Oliver Insurance. We were thrilled to welcome Toni to our team, while also celebrating the well-earned retirement of our longtime colleague, Kathy. Her contributions over the years have left a lasting impact, and she’ll always be part of our story.
We were honored to participate in the Wayne Oliver Foundation Tournament, raising an incredible $20,916—a true reflection of the generosity and trust of our community. It was a privilege to celebrate Wayne, our founder, and the enduring legacy of his commitment to philanthropy.
At Oliver Insurance, putting community first is more than a motto—it’s a mission. Through our referral program and sponsorships, we’ve been fortunate to support many local organizations that uplift kids and families across the greater area. We’re grateful for the opportunity to give back and grow together.
Coverage That Works for You Choosing an agency doesn’t mean paying more—it means having someone in your corner. We offer a wide range of carrier options to fit your needs and budget. And while renewals have always been a priority, we’re adding even more focus to make sure your coverage continues to work hard for you.
Stay Connected Follow us on Facebook and Instagram to catch our Cougars of the Week, referral program highlights, and more behind-the-scenes fun. It’s a great way to stay in the loop and learn tips about insurance and keeping your family, property and business protected.
From all of us here, thank you for trusting us with your coverage. We’re grateful for the opportunity to serve you and look forward to what’s ahead.
Warm wishes,
Ryan Oliver
President
Oliver Insurance
Author: Ryan Oliver
Tariffs Ripple Down on Insurance
Why Home and Auto Insurance Costs Are Rising in 2025
A recent report from Insurify outlines several reasons why insurance premiums are going up across the country and here in Oregon & Washington. Here’s what homeowners and drivers need to know:
🏠 Home Insurance Increases
- Home insurance premiums are expected to rise 8% nationally, reaching about $3,520 for a $400,000 home by the end of 2025.
- New tariffs on building materials (especially from countries like China, Canada, and Mexico) may further raise costs, making home repairs more expensive and pushing premiums even higher.
- States like Louisiana, Iowa, and Minnesota could see double-digit increases, largely due to recent severe weather events.
- For example, in Iowa, insurers paid out $122 in claims for every $100 in premiums, signaling significant financial strain.
- Florida still holds the title for the highest home insurance rates in the country, with an expected 9% increase this year.
🚗 Auto Insurance Impact
- Car insurance premiums may also rise by 8%, going from $2,313 to $2,502 for full coverage on average.
- A 25% tariff on imported vehicles and auto parts is driving up repair costs, since many parts are sourced internationally.
- States like Maryland and New York may face even steeper auto insurance hikes.
🌪️ Weather and Climate Factors
- Natural disasters like wildfires, floods, and tornadoes are becoming more common and costly, even outside traditionally high-risk areas.
- These events are forcing insurers to raise rates to keep up with increased claims and repair costs.
- Nationwide, home insurance premiums have gone up 24% in the past three years, and 95% of homeowners have seen their rates increase.
What This Means for You
If you’re a homeowner or driver, expect higher insurance costs in 2025. Reviewing your policy and talking with your agent at Oliver Insurance can help you find savings opportunities or ensure you’re getting the coverage you need at a fair rate.
Let us know if you’d like to schedule a policy review—we’re here to help! Check out this article for more info about tariffs and their impact on our insurance industry. https://www.insurancebusinessmag.com/us/news/property/tariffs-threaten-to-push-insurance-costs-higher-for-us-households-531425.aspx?hsmemberId=1023933&tu=C2443B66-2A35-4180-97FD-678D3F9A32B8&utm_campaign=&utm_medium=20250408&_hsenc=p2ANqtz-8jKi6cfKtgw9pMeShUTjhawB3r8XFIZiNMxats9-ZXnpmhk-yGvXlMKqhfmujMO5kzIPX7ONleaEf-aQdDjL3lrt2K27V-pKsiRe-fT3c6CCenzgU&_hsmi=355741080&utm_content=C2443B66-2A35-4180-97FD-678D3F9A32B8&utm_source=
Do You Know What Type of Insurance Agency You Use?
Shopping for insurance can be confusing, with so many options and questions to consider. You may wonder, “What type of coverage is right for me?” or “Which insurance company best fits my needs?” Understanding the different types of insurance providers—independent agents, direct writers, and captive agents—can help you make the best decision for you and your family.
As a Trusted Choice® independent insurance agency in Canby, OR, we work with multiple top-rated insurance carriers to provide customized coverage tailored to your unique needs. Unlike direct writers who offer limited choices or captive agents who only represent one company, we have the flexibility to compare multiple policies, ensuring you get the best protection at the best value.
Our team understands the local risks and coverage needs of Oregon and Washington residents and businesses. We take the time to get to know you, helping you navigate policy options and adjust coverage as your needs change. With expert guidance and personalized service, we’re here to protect what matters most—your home, auto, business, and more.
To learn more about the different types of insurance agencies and how they operate, check out this article https://www.cinfin.com/cincinnati-insurance-resources/independent-agents/buying-insurance-agency-channels.
Contact us today to see how working with an independent agent can give you peace of mind and confidence in your coverage choices.
Understanding Rate Increases
As we settle into 2023, we’d like to address the rising cost of insurance. Unfortunately, the auto & home insurance industry is not immune to the current domestic challenges – think rising inflation, labor shortages, environmental disasters, supply chain issues and more. The trickledown is here. We could spew all sorts of data, numbers and statistics your way. But, quite simply, for a whole host of reasons named above, it costs more to replace and/or repair our cars, homes, and properties. Their values have increased, making them more costly to insure. Seeing a rate increase at renewal is a very real scenario.
We understand the frustration of seeing a rate increase upon renewal – especially when you haven’t had a claim or an accident.
Our team is proactively working through renewals and rate changes. Our goal is keeping you properly insured at a fair and competitive price. Your best interest is in our best interest.
How we are addressing substantial rate increases …
1) Identify any discount opportunities you may not be taking advantage of
2) If needed, quote multiple insurance carriers so you can see your options with regards to premium/deductible/discounts.
3) Use our industry knowledge to help you select the right coverage and policy for your unique situation, helping you avoid being caught under-insured (yes – that IS a thing).
4) Continue to partner with quality insurance carriers who have a proven track record of superior customer service, reliability, and longevity.
5) Remain a people forward agency, where if you want/need to talk to a real live Oliver Insurance team member, you can and you will.
It can be tempting to jump ship and find a “less expensive” online option. We’d like the opportunity to help first. If we can’t offer a comparable, price competitive option, we will in fact, tell you that. No smoke and mirrors here.
We are available (in person, on the phone or via email) to work through any concerns you might have. Thank you for your business and trust in our agency. We look forward to a long partnership helping protect what matters to you!
Join Us for the Dog Days of Summer!
Client & Community Appreciation Event at Oliver Insurance!
Join us outdoors for a free hot dog and Kona Ice on Wednesday, August 25th from 11:30-1:30.
Our event is AFTER the Fair, and BEFORE school starts, so please come join us!
FOOD – GAMES – RAFFLE PRIZES – FUN
We appreciate your business & support in the community so this is how we say THANKS!
Lastly, we will be collecting non-perishable food items to benefit The Canby Center,
as well as gently used sporting gear for Pass it On, Canby!
**In addition to food items, The Canby Center is in need of baby wipes, body wash, Q-Tips & diapers (size 5 & 6)**
Bring the kids, bring a friend, bring the dog! While RSVP is not required, it is kindly appreciated!
(you automatically get an extra raffle ticket for RSVPing!)
RSVP HERE!
This summer has been a HOT one, come cool off with your local agents at Oliver Insurance!
___________________________________________
want to learn more about The Canby Center ⇒ Click Here!
want to learn more about Pass it On, Canby! ⇒ Click Here!
Potential Rate Changes for WA Residents
** Important News regarding Potential Rate Increases/Changes forWA Residents **
The State of Washington’s Insurance Commissioner, Mike Kreidler, issued an order on March 23, 2021, that bans the use of credit in setting insurance rates for new and renewed policies as of June 20, 2021.
Unfortunately, this policy change will potentially effect over 1 million people in the state of Washington. The removal of credit-based insurance scores will likely raise insurance premiums for the vast majority of Washington residents.
Our agency wanted you to be aware of this legislature change that could last for up to 3 years. It will affect new policies and renewals for auto, homeowners and rental insurance across all carriers. In some cases, the premium increase could be significant. This impacts all insurance carriers in the state of Washington.
As your independent agency, we can compare pricing among multiple carriers. We will continue to work to find you the most competitive rate based on your coverage needs. Also, we can look for other opportunities to help reduce premiums.
Please don’t hesitate to reach out to us with any questions or concerns. I have attached a link to an article that explores all sides of this issue.
https://www.forbes.com/advisor/car-insurance/washington-credit-ban/
Best regards,
Ryan Oliver, President of Oliver Insurance
Wildfire Impact & Important Information
For those of us in the Pacific Northwest, times have been challenging to say the least. In conjunction with our insurance carriers, our Oliver Insurance team is ready to support and help our clients recover during this time.
If you have not done so, setting up your online customer account will give you 24/7 access to your policies, coverage and more. If you are suddenly displaced, access to your insurance information online can help you immensely during a crisis. Follow the link to enroll in the Client Center Login portal. REGISTER HERE
FAQ’s
1. If I had to leave my residence, are temporary housing costs covered? YES, if you live in a level 3 evacuation zone only. You will be reimbursed for these costs, so always keep your receipts. (this includes renter’s policies, but coverage amounts may differ)
2. When should I file my claim? Due to the ongoing nature of the wildfires, most insurance carriers have requested clients wait until the situation has become less urgent to start their claim process.
3. I know my policy covers fire in my dwelling, does that also include “Wildfire”? YES, coverage applies in wildfire situations.
4. How long will the claims process take? We are advising our clients due to the sheer number of people impacted by the fires in Washington, Oregon, California, Idaho and Montana, that the process will likely take longer than normal.
Additional resources
U-Haul is Offering Free Storage for Evacuees of the Fires in Oregon and Washington Learn More HERE
Find A Shelter
Catastrophe Preparation Guidance
Air Quality Where You Live
Unfortunately, no words can erase the pain for those who have lost homes, property, pets and memories. Our hearts go out to you. We will be here for you as you look toward rebuilding. Please take care, stay safe as possible and do not hesitate to contact our office with questions.
Sincerely,
The Oliver Insurance Team
Covid19-Update 8.26.2020:
Our office has reopened to the public.
Masks, Face Shields, Face Coverings are required.
Everyone five (5) years of age and older is required to wear a mask, face shield or face covering at this location. If you do not have a mask, we have free disposable masks available for your convenience.
There are no exemptions, but individuals can request an accommodation to enable full & equal access to our services. Children between two (2) and five (5) years of age are strongly encouraged to wear a mask, face shield or face covering.
To request an accommodation, please contact our office at 503-266-2715.
Covid-19 Update 5.28.2020 – ReOpening Phases
As the re-opening phases unroll, we’d like to share some important information regarding our physical office at 101 N. Ivy Street.
First, I’d like to THANK YOU for your patience. New ways of doing business often provide both growth and challenges. I am extremely proud (and appreciative) of our top notch, professional team working hard every day making sure you get the service you deserve, even if it isn’t in person.
As of today, May 27th, our office will continue to be open via phone, web, and email. We are also going to roll out a virtual meeting option. In person appointments can be scheduled if needed. Our office will remain closed to walk in traffic. Although the option for walk in traffic is now a reality, we had already begun the process of a long awaited (and needed) building update. We had hoped to be further along in the process at the time of the county reopening but alas, COVID has delayed the construction/permitting process.
Here is what you need to know:
We are open 9 – 5 Monday through Friday via the following options:
–Phone: 503-266-2715 Fax: 503-263-6968
–General Email Support/Customer Service:
Personal Insurance: help@oliverins.net
Business Insurance: business@oliverins.net
–Website: Create or Login to your account at
www.oliverinsurance.net
–Virtual Appointments – Coming Soon! STAY TUNED!
-Utilize our drop box for payments or paper documents located at
101 N. Ivy St. in Canby
-For special circumstances, we will accommodate an in-person
appointment
Our goal is to open our doors to the public in July after remodel completion.
Upon opening, we will follow all current state and county requirements to keep you and our employees safe. We will provide regular communication regarding our office reopening.
I hope you and your family continue to stay health and safe. We look forward to continuing to serve your insurance needs.
Sincerely,
Ryan Oliver
President, Oliver Insurance
Office Closed to Public – COVID-19 Client Memo 3.23.202
Due to COVID-19 and our priority to keeping Oliver Insurance employees, their families and the community safe, we are not accepting Walk-In business at this time. The good news is that we have many ways to continue to assist with your immediate insurance needs!
- Call us at 503.266.2715. We are doing our best to personally answer but if you reach our voicemail, we will return your call at our soonest opportunity.
- Email us.
- Visit ABOUT US page for a directory of staff email addresses
- General Inquiry Emails for Personal Insurance: help@oliverins.net
- General Inquiry Email for Business/Commercial Insurance: business@oliverins.net
- Insert payments or general communications in our external drop box located at 101 N. Ivy St., Canby. (Please place all payments and communication in a sealed envelope)
- Mail payments or communications through USPS.
- Oliver Insurance P.O. Box 353, Canby, OR 97013
- Login to your My Account via Oliver Insurance website. If you have not created your My Account login, now would be a great time to do so!
Insurance Carrier Apps
Most insurance carriers offer a free APP that provides access to your policies and allows you to perform many insurance related transactions. We encourage you to visit your APP store and download your carrier’s APP.
PAYMENTS
As we stated above, you can utilize our Payment Drop Box. We can also take payments over the phone. Another option is to visit your carrier’s website directly to pay your bill. Below are links to our main insurance providers.
If your employment and income has been directly affected by COVID-19, please let us know. Many of our insurance carriers are ready to help with billing and payment issues, including the possible movement of billing due dates.
CLAIMS
In the event you have an insurance claim, please contact your insurance carrier directly. Your auto insurance cards have the claim numbers on the back of your card. In most cases, you can also begin a claim online – simply navigate to REPORT A CLAIM. Beginning your claim by phone or website, will not delay your claim in anyway and is often the most efficient way to begin the claim process.
BUSINESS/COMMERCIAL CLIENTS
Many of you have questions and concerns regarding coverage if your business needs to or must close/shut down for a period of time. We are gathering all the information we can from our carriers. We are also waiting to see what relief the national and state government may be providing to those impacted. Please know we are here for you and will do our best to get the correct information into your hands. We appreciate your understanding as more information becomes available based on an ever-changing situation.
Thank you again for your patience during this time. Stay safe, stay healthy and stay home!
Sincerely,
Ryan Oliver
President, Oliver Insurance
Safeco: https://www.safeco.com/
Progressive: https://www.progressive.com/
Sublimity: https://www.sublimityins.com/ Navigate to the Customer tab
Nationwide: https://www.nationwide.com/
MetLife: https://www.metlife.com/
Travelers: https://www.travelers.com/
Liberty Mutual: https://www.libertymutual.com/
** Don’t see your carrier here? You can call our office or review your insurance paperwork for contact information **
