Category: Home Insurance

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.

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. 

Safety in the home is something that everyone is concerned about. Safety means different things to different people. It can mean making your family safe from things outside the house or from things inside the home. Both of them are equally important. At Oliver Insurance in Canby, OR, we take our customers’ safety seriously and do our best to ensure their home insurance protects them. 

Accidents in the home are a very significant worry. More than 150,000 people die in the US from accidents every year, and of those, 75% are considered household injuries. This includes poisoning, falling, choking, drowning, and suffocation. 

Poisoning is the most common cause of death in the home but falls account for more than 70% of the injuries. Falls are particularly common among the elderly; the most common injury is a broken hip. Bathrooms are hazardous, so it is vital to ensure that the necessary precautions are taken to make slips and falls less common. 

Making your home safe also means protecting it from fire. Getting your furnace and chimney cleaned yearly can go a long way towards helping, and having smoke detectors that work is essential. 

Installing a home security system is both simple and inexpensive, and many are DIY projects that take very little time. You can monitor your home with your smartphone, and installing smart locks lets you ensure your house is locked tight even when you are not at home. Windows also have locks, and ensuring they are in use is a big help to your home’s safety. Installing motion detector lights on the exterior of your home also provides additional safety. 

Contact Oliver Insurance in Canby, OR if you are a first-time homeowner or are ready to get a quote from a new carrier. 

Many business claims start with a police report because they center around the crimes of theft, vandalism, or the rarer, embezzlement. Other claims, such as storm damage or equipment breakdowns, start with your insurance company, Oliver Insurance. Read on to learn the steps to follow to file a commercial insurance claim.

1. Call the police and file a report if you need to file a claim due to any crime at your business.
2. Call your insurance agent. For anything other than a crime, you can probably completely file your claim the same day the event occurs. For a crime, you need to provide the official police report.
3. Take photos of the crime scene or claim-worthy event while waiting for the police or your insurance agent. Do not move any items if you report a crime. The police need the scene preserved until they document it.
4. Begin looking for repair people after your insurer and the police finish with your office or event location. These repair crews can’t come to visit your location until the police release it if a crime occurs.
5. Contract with a certified public accountant if you file a business interruption claim. A forensic accountant can assist your business in documenting business income loss.
6. Follow up with the police to obtain a copy of the police report.
7. Provide the police report to your insurance agent.

Your insurance agent should contact you when the agency has your check ready, or they may directly deposit the claim amount in your checking account.

Your diligence in preparing the claim can mean the difference between a quick claim and significant delays.

Keep your Canby, OR business running smoothly with commercial insurance from Oliver Insurance. Call us today for a custom commercial policy to protect your company.

For homeowners, there are a lot of risks that they face from a wide range of incidents that can happen to and in their homes. However, home insurance provides a number of types of protection to help them mitigate many of those risks. With home insurance, you can get the protection that you need to have better peace of mind. If you need home insurance, contact us Oliver Insurance in Canby, OR today to make your appointment. 

House Protection

What home insurance is perhaps best known for is the protection afforded to the house itself. This protection allows your policy to pay for the repairs that are necessary after certain events happen to your house. Many different types of events are covered by standard home insurance, including certain types of disasters and calamities. When one of these covered incidents takes place, it can mean enormous repair bills for your house. If you aren’t protected by home insurance, you would be responsible for those bills yourself. 

Protection for Belongings

Just like the protection that home insurance gives to your house, it also gives protection for the belongings inside the house. Covered incidents that damage or destroy possessions inside the house can be replaced with the help of your home insurance policy. If you didn’t have the policy, you would have to replace everything from your own pocket. Most people would be unable to afford such an enormous expense. 

Liability Protection

Another type of protection afforded by home insurance is liability coverage. This protects homeowners in case someone were to have an accident with injuries in their home. The policy would pay for the medical bills instead of the homeowner. 

Get Home Insurance Now

If you don’t yet have your home policy, there is no time to wait. Call us at Oliver Insurance in Canby, OR.

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. 

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.

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.