Home Insurance Add Ons To Consider

Purchasing a home is likely the largest one-time investment you’ll ever make. Due to this, it is important to properly protect it. Home insurance is one way to do this, but your current home owner’s insurance may not completely protect it. In order to avoid potential holes in your policy, you need to talk to the team at Oliver Insurance. The team will help protect your Canby OR home. 

Flood Insurance

The weather around Canby, OR can be a bit sporadic. Due to this, it can go from heavy rains to sunshine at a moment’s notice. In order to fully protect your home, you’ll want to consider flooding insurance. This protects your home not only from heavy rain but also if a plumbing line bursts in your basement and floods the property. 

Sewage Backup

A backed-up sewer is a major problem that can cost you tens of thousands of dollars to repair. There are different kinds of sewage lines connecting to homes in the area. Some connect to the city, so if there is a problem it may fall to the city to repair the damage. However, if you have a septic tank the responsibility is with you. Due to this, you may want to consider coverage for sewage backup. 

Personal Property Coverage

Your home owner’s insurance protects the house. However, it may not protect your electronics or jewelry. In the event of a home break-in, you may not be covered if these items are stolen. Personal property coverage will help protect you in this event. 

There’s no shortage of the ways you can protect your home. From flooding insurance to coverage for a sewage backup, if you’re looking for the right coverage for your particular home it is important to seek out the team at Oliver Insurance for all your Canby, OR insurance needs. 

How to Prevent Your Pipes from Freezing

Winter is a time when you typically experience higher than average costs on your heating bills. However, winter can be much more damaging to homeowners since you’re at risk for issues like your pipes freezing. Oliver Insurance, serving Canby, OR and the surrounding area, can help once the damage is done, but we want to help you prevent the problem from occurring in the first place. 

Space Heaters

Determine where you have spots in your home that colder than others. You want to situate a space heater in these locations and keep it running when you’re home. This will help keep the pipes warm enough that they won’t freeze. 

Let Your Faucet Drip 

It’s best to keep water flowing through your pipes, so they’re less likely to freeze. You should let at least one faucet in your home dripping continuously when the temperatures are freezing outside. 

Cover Exposed Pipes
Determine anywhere in your where you have exposed pipes. You want to cover these pipes in order to keep them warm, so they don’t freeze. 

Keep a Constant Temperature in Your Home

You may save money by turning down your heat at night when you’re snuggled up in your blankets. However, you’re increasing your risk of your pipes freezing by allowing the temperature in your home to drop all night. You also want to make sure that you don’t turn your thermostat below 55 degrees Fahrenheit when you’re away. 

Frozen Pipe Repair 

If you notice little water coming from your faucet, you may have a frozen or possibly even broken pipe. You should shut off the water if it’s broken. If it’s just frozen, you may use a space heater, blow dryer, or electric heating pad wrapped around the pipe to thaw it. 

Insurance 

Always have homeowner’s insurance just in case you should happen to endure a problem like a broken pipe. 

Contact Oliver Insurance, serving Canby, OR and the surrounding region today for a quote. 

 

How Can a Dog’s Breed Affect Your Homeowners Insurance?

You are probably aware of the common factors which may affect your homeowners insurance. They include; location, the condition of your fixtures, and your history of claims. However, what you do not know is that your dog’s breed may also affect your insurance. If you work with a reputable Canby, OR insurance agency such as Oliver Insurance, you may get advice on what you can do to get insurance with your dog.

Dog Breeds That May Affect Your Insurance

Some insurance providers blacklist breeds of dogs that may be considered aggressive. They include; Pit bulls, Chows-chows, Wolf hybrids, Presa Canarios, German Shepherds, Rottweilers, and Akitas.  It is important to note that different insurance companies have different policies. Just because one insurance provider blacklists certain breeds does not mean you can’t find a provider that doesn’t. Most insurance companies do not offer homeowners insurance if a dog has a history of attacking other people.

If your dog’s breed is not insurance-friendly, you can do the following to get the right homeowners insurance.

  • Be honest from the beginning. Reveal the truthful breed of your dog and whether or not it has attacked people in the past.
  • Consider getting a standalone policy instead of including your do in your homeowner’s insurance. You should, however, always ensure that your dog is insured. Claims from dog bites can be expensive
  • Train and socialize your dog from a young age.  Do not leave it unsupervised or it may bite other people
  • Ask if your insurance provider may insure your dog after an obedience class. They may be willing to reduce your premium rates.
  • If you do not get insurance from one provider, do not give up. Shop around until you find a provider that can accommodate your needs.

Contact Oliver insurance for your homeowner’s insurance needs in Canby, OR.

Does my business need commercial insurance?

Running a business is hard work, and of course, your bottom line is always in the front of your mind. You want to cut costs wherever you can, but you need to make sure your Canby, OR business is covered with a solid commercial insurance policy. Not sure whether you’re covered? Stop by Oliver Insurance in Canby, OR to chat with a licensed insurance agent to discuss your policy.

There are three types of commercial insurance: property, liability, and workman’s compensation. Property insurance pays for damages to a company or personal property. There are a variety of different facets of property insurance that are available for purchase. From fire insurance to disaster debris removal insurance, you’ll be able to find what fits the needs of your business. Liability insurance covers injuries that occur at the hand of your company to third parties. We’ve all heard of slip and fall lawsuits- the last thing place you want to find your business is on the receiving end of that mess. Liability insurance will keep your company safe from sue-happy customers. Malpractice insurance also falls into the liability insurance category and is key if you are in the medical field. Workman’s compensation insurance is key in case one of your employees gets hurt on the job. Workman’s compensation insurance will cover the employee’s medical bills. Most states require businesses to carry some sort of workman’s compensation insurance.

Your business is your baby, and you need to protect everything that it’s worth. Call a licensed insurance agent at Oliver Insurance today to discuss commercial insurance options that make sense for your budget and needs.

The Historical Flood Plains are Changing

Even if a home is not in a federally-designated flood area, the floodplains are changing with new 100-year floods that are not expected.

The national recognition of flood zones in America is designated by maps maintained by the Federal Emergency Management Agency (FEMA). These maps are available for free from FEMA at the Flood Map Service Center. They are called the Flood Insurance Rate Map (FIRM).

A FIRM is a useful starting point for evaluating the flood risk for a community; however, relying only on a FIRM may put many homes at risk that were not previously considered to be in flood zones. This is because global climate changes are causing the flood zones to change. Consult with your agent at Oliver Insurance, serving Canby, OR, to learn more about the hidden risk of floods in areas not currently designated as being in a flood zone.

The FIRM for any community is based on historical records. The problem with this is the reliance on historical data does not take into account extraordinary floods that happen due to unprecedented climate changes. This past year was a clear example of the surprising natural disasters that are possible.

There were three major hurricanes that caused huge damage to the U.S. and its territories. These all were considered 100-year events. This means that they had a small likelihood of occurring and were only expected to happen once in every one hundred years.

In fact, US Today reports that the probable risk of any major hurricane is about 11% each year for Miami and less than five percent for Houston, Texas or for Puerto Rico. To have three of these major disasters in the same year, doing billions of dollars in damage, is definitely an anomaly according to historical statistical probabilities.

Consider Flood Insurance

Even if your home is currently not located in a flood zone, according to the old maps maintained by FEMA, considering flood insurance is still a good idea. Relying on old maps is not the best strategy when major record-breaking weather changes are occurring. Check with your agent at Oliver Insurance, serving Canby, OR, to learn more about flood insurance for your home and properties. Contact us today.

When is Umbrella Insurance a Good Idea?

Umbrella insurance is one of the lesser knowns and understood types of insurance available on the market today. However, just because it is not very known or understood does not mean that it is not a good insurance that should be considered. There are many reasons to consider getting umbrella insurance but if you are not sure if it is right for you, consider these circumstances from Oliver Insurance, serving Canby, OR.

  • Your home policy does not cover the full value of your home. If you have a home that exceeds the value of what traditional home insurance will cover, umbrella insurance can cover the remaining amount so you do not have a gap in coverage.
  • Your auto policy does not provide coverage for the full value of your vehicle. Just like with your home, an umbrella insurance policy can also cover anything over a standard policy for your vehicle.
  • You tend to host a lot of parties at your house. You should want to have extra liability coverage if you like to host parties at your home on a frequent basis. You never know when something will go wrong and someone may try to sue you for it. Having that extra coverage from an umbrella policy can make all the difference in this type of situation.

If one or more of these reasons is something that you or your family relate to, then it is probably a good time to consider getting umbrella insurance. If you are interested in learning more about your options, be sure to reach out to us here at Oliver Insurance, serving Canby OR, today. We can help you explore all of your options and will even get you a quote for a policy that meets your needs and stays within your budget.

Can I Ride a Motorcycle Without Insurance?

Public roads tend to be dangerous, so regardless of how safe you are riding, there is a chance that you could get into an accident. Due to this, Oregon State requires all motorcyclists to have motorcycle insurance coverage so that riders can remain financially responsible in the event that a crash occurs. Canby, OR clients can get such policies from insurers like Oliver Insurance.
Requirements for motorcycle insurance in Oregon
According to motorcycle insurance laws in Oregon, riders are required to have liability insurance to cater for expenses related to bodily injuries or property damage to others during an accident for which they are at fault. The motorcycle insurance plan needs to include the following minimum policy limits per an accident:
• $50,000 for each crash for bodily injuries done to another party
• $25,000 for each person
• $25,000 for every person as well as $50,000/crash for uninsured coverage
• $20,000 per crash for property damage done to another party
Be sure to get multiple quotes before choosing your preferred insurer. Remember that the premium cost will vary from one insurance company to the other and will be determined by factors like your riding record, age, and whether you have another insurance policy with the same company (the company may provide a discount).
Oregon is a no-fault state, meaning that all drivers are required to have personal injury protection to pay for expenses related to injuries after an accident regardless of who was at fault. The requirement doesn’t apply to motorcycles. However, you will be required by the state to prove that your motorcycle is insured. If you don’t have insurance, your license can be suspended or you may incur a penalty or a fine.
If you are living in the Canby, OR area and its surroundings, consider getting your motorcycle insurance from Oliver Insurance. You can check out our website or contact us for more information.

What to do Before, During an After a Flood

Nobody expects or wants to find several inches of water in their living room, but sadly it happens. In fact, floods are thought to be the number one form of natural disasters in the United States. Unfortunately, water damage can happen to anyone, especially those who live in flood zones in Canby OR. The best way to protect your family and your home against a flood is to be prepared; know what to do before, during and after a flood.

Plan Ahead

Planning ahead and being prepared is the most important thing you can do when it comes to a flood and one of the first things to do is buy flood insurance. Many people assume that their homeowner’s insurance will cover damages caused by a flood, but it does not. Whether you live in a flood zone or not, it is highly recommended that you talk with an Oliver Insurance agent about flood insurance before a flood strikes. Other ways to plan ahead include:

  • Build on high ground. If building new, it’s best to avoid building your home on low-lying land, next to a river-even in areas that have been dry for several years.
  • Protect electrical appliances-by elevating electrical systems and your HVAC system, you can reduce the risk of short circuits and potential fires.
  • Build a barrier to prevent water from entering your home, you can build a barrier either with compacted earth or masonry.
  • Seal your home if you are in a flood zone, you can provide additional protection by sealing your home. This may include installing water shields over the doors and windows and/or coating the walls with a waterproof sealant.

What to do During a Storm

It is important to be alert and get updated information consistently, in case you need to evacuate. Keep in mind that you don’t need to wait for further instructions to move to higher ground. Even if there isn’t an evacuation issued, move to upper floors or leave the residence. Areas can fill up quickly with flood water, so do not attempt to walk or drive near flooded areas.

Following a Flood

Once it’s safe to return to your home, the first thing to do is file an insurance claim. The insurance company will want a general description of the damages and will generally have an adjuster come out to evaluate the damage. Be sure to document all damages before making any repairs-if possible take photographs and/or videos of the damages. Contact a local, reliable contractor to evaluate the damages and provide an estimate for repairs.

Restorations from a storm and/or flood can be significant as well as overwhelming. It’s best to try and remain as calm as possible and take everything step-by-step. It is important that you stay in constant contact with your insurance provider and do not make any permanent repairs until an adjuster has reviewed the damages.

Residents of and around Canby, OR interested in purchasing flood insurance should contact Oliver Insurance.

Coffee & Conversations Referral Contest

We work hard to take care of our clients from quoting to claim. Let us help someone you know. The highest compliment we can receive is a referral from a satisfied client or business. Additionally, we want to expand on our current Referrals for Hope program and are kicking off the Coffee & Conversations Referral Contest!

How you can participate!
~ Refer a friend to our office between April 20th and June 30th
~ Tell them to go through our website HERE , call us directly at 503-266-2715 OR stop in our office to request a quote and make sure to mention who referred them (that would be YOU) 🙂
~ Sit back and relax, we take it from here

What you earn!
~ We send you a $5.00 coffee card, make a donation to a charity on your behalf and enter your name into TWO contests; one for a $50 Amazon gift card and one for four Regal movie tickets
~ Sit back, relax, enjoy your cup of coffee
~ Winners will be drawn after the last day of the month and announced via Facebook, Instagram and Twitter (we will also contact you directly to let you know in case you miss the social media announcements)

Remember, we are licensed in OR, WA, CA, AZ & UT so we can help those near and far!