How Pet Insurance Works in Oregon

Pet insurance works like any other insurance in Oregon, but it is special coverage for a special member of your family.  When you have a pet that becomes ill, the expenses of that can lead to decisions that aren’t best for your pet.

At Oliver Insurance, we want Canby, OR pet owners to put this worry away. We can help you to find coverage that will meet your pet’s wellness needs at almost any stage of life.

How Does Pet Insurance Work?

Pet insurance is coverage that you get for your pet’s health care. There are a number of different plans and coverage that you can get for your pet. This will cover everything from shots, to tests, surgeries, and many prescriptions.

Each plan will vary depending on coverage, and you can select the coverage that you need.

Each plan also often carries a deductible. When you take your pet to the vet, you will have to pay this deductible first, and the insurance will cover the rest of your pet’s care. That deductible is something that you usually can select when you are selecting your coverage as well, although some pet insurers will determine that amount for you.

Every policy will be different. Some insurers will pay the clinic or veterinarian directly, while others will reimburse you for the money spent at the vet after your deductible.

Get a Quote

At Oliver Insurance, we want Canby, OR pet owners to let go of the worries of vet bills. Pet insurance will do that for you. When you have pet insurance, you don’t have a decision to make when your pet becomes ill. Call us for a quote today.

Why Motorcyclists Should Consider Comprehensive Coverage

Motorcyclists have special insurance needs. When you drive a motorcycle, you want to make sure that you are covered on all fronts. Comprehensive coverage provides one way to protect your motorcycle and your wallet.

Oliver Insurance, which provides service in Canby, OR, understands your needs as a motorcyclist, especially if you love your bike. These are some of the reasons why motorcyclists should consider comprehensive coverage.

Comprehensive Coverage Covers Non-Collision Damage

Did you know that most policies do not cover damage caused by an accident that involves a stationary object, like a light pole or a guardrail? If your bike is damaged because of one of these types of accidents, comprehensive coverage may come into play and cover damage, even if you may have caused it.

Comprehensive Coverage Covers Vandalism & Theft

Motorcycles are easy to vandalize or steal in comparison to some other vehicles, which is why motorcyclists should be concerned about their bikes. Comprehensive coverage provides insurance for bikes that become damaged because of things like graffiti, arson, and other types of physical damage.

Comprehensive Coverage Covers Weather Damage

Weather damage can damage a motorcycle, especially when you end up somewhere without proper coverage. Whether your bike is damaged by wind or rain, you may be able to use comprehensive insurance to cover it.

Get Comprehensive Coverage Today

Oliver Insurance, which helps motorcyclists in Canby, OR, can help you through insurance challenges. When you are unsure what kind of coverage is right for your bike, a professional can shed light on the benefits of comprehensive coverage. Contact the office today to learn more about comprehensive coverage for motorcycle drivers.

What is the value of having boat insurance in Oregon?

Anyone that is in the Canby, OR area will love having access to all the local waterways. If you would like to enjoy this area of Oregon as much as possible, investing in your own boat can be a great idea. Those that are going to buy a boat will also want to ensure that they have the proper insurance protection in place. For many, this will include having a boat insurance plan. Having a boat insurance plan comes with several benefits.

Coverage for Boat

An ideal reason to get a boat insurance plan in this area of Oregon is that you will know your boat is covered and protected. When you are going to buy a boat, you will want to be able to use it for as long as possible. Unfortunately, the risk of theft or accident damage can impact your ability to use the boat well into the future. Boat insurance will ensure you are covered against these situations, and others, that could result in a loss.

Protection to Offset Liability

Another advantage of having this insurance is that it can help to offset your liability risk. When you use a boat, you could run into the risk that you cause an accident. If you do cause an accident, you will need to cover all damages. Your boat insurance plan can help to mitigate this concern with liability coverage. 

Those that want to get a boat insurance plan in the Canby, OR area will benefit by speaking with Oliver Insurance. Those who are going to call Oliver Insurance will find that the team offers great guidance and support throughout the process. They will work hard to make sure they understand your individual needs and then offer any guidance that is necessary to help you build your next policy. 

Do all people in Oregon need umbrella insurance?

Those that are in the Canby, OR area are going to have a variety of insurance needs. A form of coverage all people should take seriously is their need for proper personal liability coverage. If you are in this area and want to ensure you have proper personal liability coverage, you should get an umbrella insurance plan. This type of coverage should be obtained by all residents for a few reasons. 

Coverage for Larger Claims

A key reason all people here should get an umbrella plan is so they can have coverage for any larger claims. If you are found to be at fault for an accident that takes place in your home or when driving, your home and auto plans should offer coverage. However, a bad accident could have damages that are in excess of your base insurance plans. With umbrella coverage, you will have additional protection for these situations. 

More Situations are Covered

You should also get an umbrella plan to get coverage for more situations. With an umbrella plan, you are going to receive coverage for almost any scenario that could result in a liability claim. This is advantageous as liability coverage through your home and auto plans can be somewhat limited. This should provide helpful support and some peace of mind. 

People that are in the Canby, OR area will clearly benefit by having a full umbrella insurance plan. If you are evaluating your needs and options in this area, it would be helpful to call Oliver Insurance. There are many factors to consider when looking for this protection and Oliver Insurance can make it easier for you. The team here will help you build a plan that is ideal for your situation and offers the best coverage possible. 

Factors To Consider When Getting Life Insurance

Life insurance can be confusing and even a scary subject to some people. Amidst the different types, people often wonder how to go about purchasing life insurance and how to protect their families. Oliver Insurance of Canby, OR wants to make this process as easy as possible for you. Here are some of the things to consider when in the market for life insurance.

Decide The Period You Need Coverage

Life insurance is classified into term and permanent life insurance. If you only require life insurance for a particular period, say till the kids are all grown, or till you finish paying your mortgage, you can consider term life insurance. However, if you need a policy that will last you a lifetime and cover things like burial expenses and replace your income, consider permanent life insurance.

Affordability and Your Budget

Buying an affordable policy is essential for several reasons. For once, you are buying your loved ones financial security for the future. However, that does not mean you deprive them of essential things in the name of maintaining your policy. Present financial security is important as well. When faced with a financial challenge like losing a job, life insurance might be one of those things that face budget cuts. By having an affordable policy, paying those premiums will not strain you in difficult times.

Beneficiaries

When buying life insurance, you have to name a beneficiary. This is the person receiving a payout after your death. Always avoid mentioning minors, as they will not receive the payout directly until they are of legal age. This can lead to tiresome legal proceedings that will frustrate your kids eventually. If possible, find a trusted guardian who will ensure the payout benefits the kids.

If you reside in Canby, OR, and are looking for the right way to protect your loved ones, contact Oliver Insurance. We can help you navigate the world of life insurance, ensuring you have secured the financial security of your loved one.

Commercial Insurance Add-ons to Consider

Whether large or small, no business in Canby, OR is immune to risks like fire, theft, lawsuits, vandalism, and so on. And because businesses operate in a risky environment, that’s why it’s pivotal to invest in commercial insurance. But since only commercial auto insurance and worker’s comp insurance coverages are mandatory in Oregon, does that mean that you should buy only? The answer is no. It would help if you had other commercial insurance add-ons from Oliver Insurance to boost your coverage.

Let’s dive in.

Umbrella insurance

Your business faces many liability risks. May it be advertising injury, property damage, or bodily injury, your business can’t afford to live without a general liability insurance plan. Unfortunately, your business liability insurance can only stretch as far. When faced with significant financial claims, it’s bound to run out, leaving your business exposed.

Fortunately, umbrella insurance picks from where your conventional liability coverage leaves off, lessening your financial burden.

Flood insurance

Where it rains, it can flood. And as you know, floods can cause untold damage to your business’ assets. And the sad bit is that your typical business insurance policy doesn’t cover floods. So, if you live in a flood-risk location, it’s wise to invest in flood insurance to protect your business optimally.

Cyber liability

Are you an online-based business? Do you store sensitive customer data? It would be best to have cyber liability insurance to protect you against cybercrimes that can be costly. This coverage covers costs like legal fees, customer notification costs, public relations expenses, and other related costs.

Commercial property insurance

While this insurance is required in Oregon, it can be the difference between the success and failure of your business when perils strike. Imagine if fire consumed your business premises and everything in it? Wouldn’t that be a massive blow to bear without insurance? Commercial property insurance protects your building and other assets from various risks.

Buy commercial insurance today!

Would you like to boost your commercial insurance in Canby, OR? Don’t hesitate to get in touch with Oliver Insurance. We will advise on add-ons you need to consider for strengthening your business insurance policy.

Why Should I Get Pet Insurance and What Does it Cover?

Pet owners often wonder if they should invest in insurance for their four-legged family members. The professionals at Oliver Insurance serving Canby, OR want to help you make this big decision by sharing some key information about pet insurance.

What is Pet Insurance?

Between exam fees, testing and treatment, veterinary expenses can become extremely expensive, extremely quickly. The average pet owner does not have thousands of dollars of cash on hand to pay out for vet bills. This is where pet insurance becomes valuable. Pet insurance protects you in the event that something unexpected should happen to your pet, such as an accident or an illness. 

What Does Pet Insurance Cover?

Just like most other insurances, what is covered by pet insurance can widely vary from policy to policy. However, most plans cover unexpected injuries, accidents, illnesses, and surgery. They will likely also cover medication, diagnostic testing and emergency care and exam charges. There are generally three different types of pet insurance policies: Accident Only, Accident and Illness and Wellness.

Examine each potential policy to make sure you are getting coverage that will meet your pets needs. Accident and Illness coverage will not cover certain things, such as pre-existing conditions, it also won’t cover routine care and may exclude pets over a certain age.

If you are looking for help with routine care, such as annual check-ups, vaccines, lab work or spaying and neutering, a wellness plan is probably what you’ll need. However, many pet owners decide that they want a combination of coverage for their furry friends so that way they are covered in any contingency.

Contact the team at Oliver Insurance serving Canby, OR today to get all your pet insurance questions answered.

Join Us for the Dog Days of Summer!

Event Details

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!

Common Myths About Flooding

Experiencing a flood in a home can be devastating, and being prepared with flood insurance can help make the recovery process much more manageable. However, there are many myths about flooding, leaving Canby, OR homeowners wondering if they truly need insurance coverage for flooding. 

Below are some of the most common myths about flooding. After reading this, if you still have questions about flood insurance, give us a call at Oliver Insurance. 

Myth: I do not live in a flood zone, so I don’t need flood insurance. 

Fact: Everyone is actually in some flood zone. There are different categories — indeterminate, low-to-moderate risk, high-risk, and coastal high-risk — all of which can experience flooding.

Myth: My homeowners insurance policy automatically covers me in the event of a flood.

Fact: Standard home insurance policies do not automatically provide coverage for damage and losses from a flood. 

Myth: The cost of flood insurance coverage is too expensive. 

Fact: With different private insurance companies offering flood insurance, the market is very competitive. Because of this, premium and policy customizations are available, which helps lower the cost of coverage. In addition, some insurance carriers also allow for payment plans for flood insurance coverage, making it feel more affordable. 

Myth: FEMA will help provide financial assistance for repairs if I experience a loss due to a flood. 

Fact: FEMA will only provide financial assistance to those who experienced flood loss and damage when there is a state of emergency declared for the event. The assistance received is in the form of a loan, which must be repaid with interest, and those who are approved for assistance are then required to carry flood insurance coverage. 

Though the decision to have flood insurance coverage is up to the homeowner, it is always best to be prepared for any emergency in Canby, OR. If you still have questions about flood insurance, call us today. Our representatives at Oliver Insurance are ready to help answer any insurance questions you have. 

Are There Higher Limits Available for Motorcycle Liability Coverage?

Motorcycle liability insurance provides cover for property damage and bodily injuries. The coverage compensates a third party if the motorcycle driver is at fault in an accident that leads to property damage or physical harm. At least 49 states need riders to have motorcycle liability insurance before they can register their motorcycles.

Motorcycle liability often has three limits denoted as 10/40/15. The first figure represents the bodily injury protection limit for one person. The second figure represents the bodily injury limit for each accident, and the last figure represents the property damage limit. Most liability limits are similar across states, but they also differ in some states.

Higher Limits for Motorcycle Liability Cover

More often than not, the minimum required liability cover for motorcycles isn’t enough to provide full coverage in most accidents. But it is prudent to ensure that you have enough liability that can safeguard your assets. If your negligence as a rider causes an accident, you may get sued for property damage, bodily harm, pain and suffering, and the loss of income. You may lose most of what you own.

You need more liability insurance coverage than the least to protect your assets, motorcycle, savings, investments, home, and family. If your motorcycle insurance provider doesn’t offer a cover that provides enough cover, you can get an umbrella policy that offers blanket liability. You may also get more coverage options to get a higher limit of coverage.

Other Covers to Increase Your Motorcycle Liability Coverage

  • The uninsured/underinsured motorist cover
  • Collision and comprehensive coverage
  • Medical payments (Med-Pay) and personal injury protection (PIP) coverage
  • Add-on options, including Roadside Help, Trip interruption coverage, OEM coverage, more accessories coverage, Carried contents coverage, and Guest passenger liability insurance

Get More Coverage for Your Motorcycle Liability Coverage in Canby, OR.

If you’re feeling underinsured and your motorcycle liability seems insufficient, then it’s time to get more coverage from Oliver Insurance in Canby OR. If you’re in Canby, OR, and you’d like to learn more about Oliver Insurance motorcycle liability coverage, visit the company’s website to get insights.