How Home Insurance Protects You

If you own a home, it’s essential that you have a home insurance policy on your house for as long as you live there. If you don’t have this type of policy in place, it’s important for you to give us a call at Oliver Insurance in Canby, OR to get started. No homeowner should ever be without this coverage. In many cases, it is required by the mortgage lender that you keep this insurance. But even when it isn’t required, you should have a policy.

The House

With a home policy, there is coverage built in that protects your house against any damages that are caused by covered incidents. These may be weather disasters, accidents, geological problems, etc. As long as it is covered, the damages that it creates to your home will be paid for by the policy. This includes rebuilding the entire house if it is destroyed. When there is serious damage to your home, the price can be incredibly high to get it all repaired. With home insurance, those costs are taken care of.

Your Belongings

Inside your house is likely most, or even all, of what you own. Those items are important, and they often represent a large outlay of money. With your home insurance policy, items that are damaged or ruined can be replaced. If there is a serious incident that ruins many of your belongings, it can be prohibitively expensive to replace them all yourself. With your home policy, you won’t have to. This is a helpful way to protect not just the dwelling but everything that is inside it as well. 

Get Your Home Insurance Policy

If you own a home, you need to have home insurance. To find out more about it, contact us at Oliver Insurance in Canby, OR today. 

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.

Best regards,

Ryan Oliver, President of Oliver Insurance

Keeping your home safe in Canby, OR

No matter where you live, keeping your home safe is a priority for every homeowner. Canby, OR is a wonderful place to live with spectacular scenery, lots of parks and water activities and most people own their own homes. But, things happen in even the most beautiful locations. Having good home insurance and an independent agent you can trust is a must. Oliver Insurance has been bringing its personalized service to local residents for more than 20 years. 

Keeping your home safe takes many forms. Today it starts with having a state-of-the-art home security system. It can be one you install yourself or it can be one that is monitored by a service. Making your home a smart home allows you to check what is going on both inside and outside of your home with a simple app on your smartphone. Not everyone, however, is into high tech when it comes to home safety and there are simple things everyone can do to make your home safe. 

  • Lock your doors and windows.
  • Install a deadbolt.
  • Secure your slider with a metal rod.
  • Cut back any tall bushes close to your home.
  • Don’t broadcast any plans you have to be away.
  • Put up signs for a security system outside your home even if you don’t have one. 

Install smoke detectors on every level and make sure you have a schedule for replacing the batteries if they are not hardwired. Even if they are hard-wired, batteries are the backup so need to be changed twice a year. If you are burning any type of fuel, a carbon monoxide detector is a necessity. If all your power is electric and you don’t have a fireplace, then it isn’t necessary to have one. 

When you are ready to discuss home insurance give Oliver Insurance in Canby, OR a call to discuss your needs.

Common Home Insurance Myths Exposed

Based in Canby, OR, Oliver Insurance proudly serves the community by offering residents multiple types of insurance coverage. We have positive working relationships with several insurance carriers throughout the Pacific Northwest.

Common Home Insurance Myths Exposed

As a Canby, OR homeowner, you likely have a great view of the region’s beautiful scenery. Home insurance helps you maximize the value of one of your most important assets. You will be protected if a disaster arises. Home insurance covers any damage to your property and possessions. While you are researching policies, avoid some of these common home insurance myths.

Making A List Of My Items Isn’t Necessary

This is a mistake. If someone steals your belongings, having a full list of the items inside your home is extremely valuable. This makes it easier to decipher which items were stolen.

I’m Covered If My Property Suffers Flood Damage

This is incorrect. A traditional home insurance policy does not cover your property if a severe storm causes flood damage. You will have to inquire about an individual flood policy in order to cover your home and belongings.

I’m Covered If Insects Invade

It’s important that you take care of your home by performing regular maintenance. If you start noticing insects around your home, you will not be covered if they cause damage. Ideally, you can prevent the spread of insects by taking care of your home.

Liability Coverage Isn’t Necessary If I’m Single

Even if you live alone and you don’t have a lot of visitors over to your home, accidents can happen at any time. Liability coverage will protect you if the person delivering your mail slips and falls. The policy also covers any damages caused by your pet, so it works in a variety of ways.

Consult With Oliver Insurance

Visit our website to learn more information about home 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


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.


The Oliver Insurance Team

Tips for successful home insurance claim

Our homes make us feel safe. It is where we rest and take time to bond with our loved ones. That’s why we protect it with a home insurance policy, hoping never to make an insurance claim. However, due to unforeseen circumstances or simply bad luck, accidents happen, and we end up running to find our policy documents to see whether they will be helpful. Unfortunately, many Canby, OR residents don’t know how to file a home insurance claim.

At Oliver Insurance, we help take you through all the steps and ensure you are fully compensated in any covered claim. Here are a few tips to help out.

Act quickly

In the event of an accident like fire, your speed matters a lot. How fast you report and provide all the information required by your insurer determines how quickly your claim will be resolved. If it were a burglary, you would need to report the incident to the police and present this information to your insurer.

Don’t tamper with anything that would invalidate your claim

Making a home insurance claim is not something we are used to, which means we are unfamiliar with the process. However, like any other claim, it is essential to understand that tampering with evidence can lead to losses on your end. If there was a fire, don’t touch things until your insurer allows you to.

For larger claims, an adjuster will be sent to you

For larger claims, your insurance provider will have to take full control of the situation as there will be investigations to be conducted. Your insurer will probably need to send an insurance adjuster who will determine what will be replaced and what will be repaired.

Remember, honesty is the best policy. So, don’t exaggerate the value of your claim. Being dishonest can easily land you into trouble, and you may end up not getting any compensation at all. Need more information about home insurance in Canby, OR? Let Oliver insurance guide you. Our insurance experts will be on standby to offer any help you may need. Contact us today.

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:
Business Insurance:
Website: Create or Login to your account at
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

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.


Ryan Oliver
President, Oliver Insurance

4 Reasons to Buy Home Insurance in Canby, OR

When you buy a home, it is probably the biggest purchase you’ve made to date. It is important to protect this purchase with home owner’s insurance. Whether it is necessary from your lender or even if you do not have a mortgage, you should still have home insurance. Below are four reasons that homeowners in the Canby, OR area should purchase home insurance.

Protect Your Assets

Having homeowner’s insurance will give you peace of mind that your home and everything in it is protected. While you never hope for anything bad to happen to your house or its belongings, it is smart to make sure that if that does happen, you are not left without anything.

Preserve Your Property

Home insurance in the Canby OR area will not only protect your home and what is in it but also the rest of your property. This includes your land and the rest of your yard and property that your home is on.

Shield Yourself from Other’s Damages

Having home insurance will even help protect you from the responsibility of accidents that others may have while on your property, too. For example, if a person injuries themselves while in your home or on your property, you would not be responsible for their injury with home insurance coverage.

Save Other Structures on Your Property

Lastly, home insurance will even cover other structures that are on your property. This means if you have a detached garage, shed, pool house, or other structure on your property, it’ll be covered.

Use Oliver Insurance for Home Insurance in Canby OR

If you are looking for coverage in the Canby, OR area, Oliver Insurance is there for your needs. Call us at 503-266-2715 or request a quote today.

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
  • 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.   


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.


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.


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!


Ryan Oliver

President, Oliver Insurance



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Liberty Mutual:

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