Taking Good Care of Your Best Friend with Pet Insurance

Pet insurance can help pay for the veterinary care needed for accidents and serious illnesses. Some plans may also cover all or part of the cost of routine checkups.

The cost of veterinary service continues to rise. Routine health check for dogs and cats are around $200. Treatment for a minor illness can run up to $500 or more. Injuries, requiring surgery, may cost many thousands. Cancer treatment can cost tens of thousands.

It is a horrible choice to have to make a decision between your beloved pet’s life and being able to afford the cost of the treatment. The peace of mind achieved by having pet insurance to cover some of these expenses is worth it for most people who love their pets.

Here are some considerations when thinking about pet insurance:

Insure Pets When Young

No pet insurance company will cover any previous conditions. If you wait until your pet is ill and then try to get pet insurance, you will not be able to get coverage. Also, the monthly cost when your pet is young is usually very modest.

Not All Pet Insurance is the Same

Pet insurance comes in many varieties. Some plans are designed only to cover catastrophic expenses and do not cover routine checkups. They may have a high deductible as well. Other plans have higher insurance premiums, yet provide more care. Work with your agent at Oliver Insurance, serving Canby OR and the surrounding area, to discuss the details of the different plans and find a plan that is most suitable for your needs.

Ask Your Vet

Ask your veterinary doctor about any known weaknesses in your pet’s breed to help make a guess about the likelihood of your pet needing expensive care.

Review the Policy Carefully

Go over the policy details carefully with your agent and look for language about exclusions that describes what is not covered.

Conclusion

Many find having pet insurance is very useful because of the high cost of veterinary care. Having this protection provides comfort when your beloved pet is ill. This may help reduce the financial strain of paying for the proper care it needs. Contact your agent at Oliver Insurance in Canby, OR to get a quote on pet insurance by calling 503-266-2715.

Protect Yourself and Your Passengers with a Comprehensive Motorcycle Policy

Owning a motorcycle is a great way to explore the area around Canby, OR and enjoy this beautiful area of the country. If you are an experienced motorcyclist or are just getting started with your first bike, you may be wondering which type of motorcycle insurance is right for you. Oliver Insurance is here to provide the guidance you need to make an informed decision and understand the many different motorcycle policy options that are available.

Consider Your Options

Basic motorcycle insurance will help to protect you if there is damage to your bike or if it is stolen. With a more comprehensive policy, you can have protection in the event of an accident or mishap that causes damage to another vehicle or person’s property. In addition, there is also available coverage that can protect you if you are involved in an accident that causes injury to yourself, your passenger, or a third party. When you have a basic policy you will be covered should you need to repair or replace your bike, but you could be personally responsible for liability cases against you in the event of an accident. Don’t be caught with insufficient coverage that can have a serious impact on your personal finances. With a comprehensive policy, you can be protected in the event of a collision, a liability situation, or theft or damage to your motorcycle. Now is the perfect time to review your coverage and make sure that it is sufficient.

Interested in learning more about how a comprehensive motorcycle policy can help protect you and your passengers? If you are in the greater Canby, OR area, contact the team at Oliver Insurance today and learn more about the many options that are available to Oregon motorcycle owners.

What Does Flood Insurance Cover?

In the event of a torrential rainstorm, or some other tragic event involving water, homeowners insurance won’t cover much of the damage.  It may cover some of the rain damage. However, it won’t cover any damage that would result from flooding. You’ll need a separate policy for that. Even if you don’t live in a flood zone and your area has never experienced flooding, investing in flood insurance will definitely add that extra layer of protection for your home and belongings.

The National Flood Insurance Program (NFIP)

Most flood insurance is purchased from the NFIP. This is a federally regulated program with two policies to choose from.  One policy covers your home, the other covers personal property. Under some circumstances, this type of insurance is a requirement rather than an option. If you live in a flood zone or high-risk area and have a mortgage, you may be required to carry this type of insurance. If you don’t live in a flood zone but still want to buy flood insurance you will need to make sure that you live in a community that participates in the national flood program. Oliver Insurance serves Canby, OR and is proud to help customers understand flood insurance and invest in a policy that will protect their home in the event of a flood.

Your Home

Flood insurance covers damage to the structure of your home as well as the permanent internal structures. It can also cover items that you’ve installed in your home as well. Flood insurance will comprehensively cover:

  • Your home’s foundation
  • Electrical and plumbing systems
  • HVAC equipment
  • Kitchen appliances
  • Carpeting 
  • Trash removal
  • Blinds
  • Wallboard ( paneling, bookcases, and cabinets)
  • Garages 

Personal Belongings

Flood insurance can also place your personal belongings. Your furniture, electronic equipment, and clothing all fall into this category.  Believe it or not, flood insurance will also replace any food that was lost as well. In addition, it may cover art and furs as well. However, it should be noted that flood insurance will compensate you for personal belongings based on their actual value, not what you paid for them. 

What’s NOT Covered

Unfortunately, flood insurance won’t cover everything. For example, it won’t cover anything that belongs in the bank or in a safety deposit box like cash and jewelry. However, it may cover basements but the coverage is limited. Under most circumstances, cars, septic systems, decks, patios, and a loss of income. However, there are other items that may not be covered as well. It’s best to discuss what’s not covered before deciding on the type of flood insurance you need. 

Flood insurance can be quite beneficial, particularly if you live in an area prone to flooding. However, it’s a good idea to be fully informed before you decide on the type of flood insurance that you want to purchase. Although you should become familiar with what’s covered, you also need to know what’s not covered. It’s important to choose a policy that will be best suited for your situation.  

 

 

The Necessities of Boat Insurance in the Canby OR Area

With all the beautiful river and coastal space that the Canby OR area has, Canby, OR also has a lot of people that own boats. Sometimes as a necessity to get to other destinations easily, sometimes as a business, but what we see most is that it is a hobby. Oliver Insurance provides all types of insurance, including homeowner’s insurance. Many times, our customers feel this is adequate to meet their needs, but there are some cases when you may want to look into a boat insurance policy. 

What Does Your Homeowner’s Insurance Actually Cover on Your Boat?

Homeowner policies have restrictions regarding what kind of boat is covered. Be prepared for restrictions on size, horsepower, and repair to damages. The chances are good that a simple homeowner’s policy will not cover you if you take your boat somewhere aside from parked in your garage or driveway. Once your boat is in turbulent seas, something is damaged, a guest is hurt, seas get high and you need a tow, you are dealing with something else entirely and will need boat owner’s insurance. 

Why Do I Need Boat Insurance in Canby, OR Area?

While Oregon does not require you to have boat owners insurance, they certainly recommend it along with the Coast Guard. Every time that you untie your craft, you are at the hands of Mother Nature and anything could happen at a moment’s notice. Having protection from anything financial that may happen out at sea is a peace of mind that you’ll need. 

There are a few things that you will want to go over to see if your carrier’s policy covers.

  • What is Your Personal Liability?
  • What part of the boat are insured? Are there any regulations regarding horsepower and motors?
  • What if your trailer sustains damage?
  • Are medical damages recovered?
  • Is towing and salvage a part of your insurance plan?

Why You Should Call Oliver Insurance in the Canby OR Area

When we start your boat owner’s policy, our goal will be to keep it affordable. We all know that affordable product and cheap insurance aren’t the same thing. We will carefully go over what your policy covers. Not every policy is one-size-fits-all.  Give Oliver Insurance a call if you have any questions!

 

How Can Umbrella Insurance Restore Your Reputation?

For some people, their reputation is at the heart of their lifestyle. Maybe they own a business and need their customers to trust them, or maybe they’re a public figure who is constantly scrutinized on a daily basis. Umbrella insurance was designed to help people get the liability protection they need to fend off unfair or biased claims. Oliver insurance wants you to have all the facts if you think you may need this special form of insurance in Canby, OR. 

Extra Protection 

Your insurance likely already covers liability claims. if you’re accused of any wrongdoing, you’ll get the legal advice and assistance you need to either settle a claim or fight it in court. But claims can become messy quickly, and they can take on a life of their own. If your name is being dragged through the mud, you may need to wage a campaign to restore your reputation. Umbrella insurance extends the limits you have on your current insurance policy, so you have the resources you need to set the facts straight. 

Finding Help 

Oliver insurance understands the real value of umbrella insurance. Few people have the luxury of giving up their livelihoods if their reputation takes a hit. We can help you learn more about what means to have umbrella insurance and how it can be an invaluable safeguard for your career. if you have any questions, call us today to find out more about our policies. Our staff serves the people of Canby, OR who depend on their reputations every day. We’re here to make sure you get all the coverage you need when you need it the most. 

5 Reasons to Buy Life Insurance

Life insurance is something many don’t want to think about, which is understandable because it means something tragic has happened.  Unfortunately, it is something that is best planned out to manage your affairs and take care of the people you love.  If you haven’t given life insurance much thought or if you’re contemplating a life insurance policy and live in the Canby, OR area, you may want to consider contacting an agent from Oliver Insurance to help navigate the world of life insurance policies.

Why Life Insurance is Important

  • Final expenses can quickly run into tens of thousands of dollars, and no one wants their loved ones left with the financial burden when dealing with a death.
  • If your children aren’t grown, they will need financial support to help them as they become adults.
  • Your monthly income will need to be replaced for the household.
  • Paying off debts is crucial because you don’t want your loved ones to need to sell off assets, such as their home.
  • Funds to pay estate taxes have become more necessary as these taxes can be expensive, and again, it can put your family’s assets in jeopardy without the funds to pay them.
  • If you own a business and have one or more partners, it can cause the business assets to be jeopardized along with your personal assets.

Oliver Insurance has been providing insurance needs in the Canby, OR area since 1972.  We have a proven record for helping people find the right insurance at the right price.  Contact an expert Oliver agent today to help you determine your financial needs to protect your assets and loved ones.  Buying life insurance can be complicated and muddled, but you’re not alone!  We can make the process much easier for you!

How will I know if my small business needs workman’s comp insurance?

It’s great working in Canby, OR, and Oliver Insurance gets to see the benefits small business owners have. Even in places so relatively safe and well protected, accidents can happen, and it’s important to have all the required protection. 

Do People Work for You? 

That is the simplest question to ask when trying to decide whether or not you need workman’s compensation insurance. When people work for you, you assume some responsibility for them while they are helping you out. 

If someone gets hurt while on your work floor or while driving in a work vehicle, it makes sense that you would be responsible for those injuries, as long as the actions of the employee were within the scope of employment. There are obvious exceptions for individuals who have used work time to commit crimes. 

Workman’s comp actually protects both employees and employers, because it makes sure employees can get the help they need when they’re hurt while limiting the civil actions employees can take against the business. 

Employees Vs Independent Contractors 

Oregon does not require employers to provide insurance for independent contractors, and it is important to know the difference. Independent contractors must meet three basic criteria :

  • They provide a service under a contract where others are not allowed to direct the work;
  • They are responsible for providing the work and even providing the means — for instance, they will have their own tools; 
  • And they are free from the direction and control of others while actually accomplishing the work.

 If you have a small business in Canby, OR and have any questions about your small business coverage, or would like to discuss a policy, please call Oliver Insurance today and we can set you up with a free quote. 

How to Truly Protect Your Fur Babies

If your pets are truly members of the family, you are not alone. Most pet owners today consider their pets to be their fur babies. As pet parents, you want to do everything in your power to make sure your pet is taken care of. However, if you have owned a pet for any amount of time you know that providing great care for your pet, especially when they are sick or injured, can be really expensive. This is why pet insurance was created. Keep reading to learn more.

What is Pet Insurance?

Pet insurance is an insurance policy that helps you protect your pet during injury or sickness. Just like a health insurance policy will cover your doctor’s bill, a pet insurance policy will cover your vet bills should your pet get sick or injured. 

What is Covered Under a Pet Policy?

In most cases pet insurance will cover the costs of your vet visits, treatment and medications just like a health insurance policy would. Many policies also have additional coverage you can add which will also cover routine check-ups, vaccinations, and maintenance treatments. In addition, there can also be add on plans which cover boarding and loss in the event your pet passes away or goes missing. 

Why Invest In Pet Insurance?

Pet insurance is a great investment if you plan to give your pet the best care possible. Pets do get sick and injured. It is not a matter of if, but a matter of when, just like with people. Vet bills can get expensive just like doctor’s bills. A pet insurance policy gives you the peace of mind that should your pet get sick or injured you will be able to provide the best care for them. 

If you would like to speak to someone about pet insurance, please contact our friendly staff at Oliver Insurance in Canby, OR. 

When You Should Have Flood Insurance On Your Property

Your home is a very valuable asset that you need to make sure is properly covered by insurance. One type of insurance that you may need to have on your home is flood insurance. There are several situations in which you may need to have flood insurance on your home to ensure your Canby, OR area property is properly protected and covered by insurance.

Required by Mortgage Lender

Depending on where you live and the type of mortgage that you have, flood insurance could be a requirement of your mortgage lender. FEMA manages an active flood zone map that designates which areas of the country are at higher levels of risk for flood. If your home is located in a higher-risk flood zone, your mortgage lender may require that you carry flood insurance on top of your home insurance policy.

If you have a loan that is provided by FHA, you will likely have to escrow these payments each month. Your lender will also continue to monitor the FEMA map. This means your flood insurance needs and costs could change over time.

When You are at Risk

Most people that have flood insurance policies on their homes are required to do so by the mortgage lender. However, even if you are not required to do so, you should still consider the flood risk. If you live in an area that is prone to flooding or is located near a body of water, you may want to have flood insurance in place. It is important to understand whether a flood is covered by your base insurance policy and whether the risk in your area makes it worth investing in flood insurance.

If you own a property in the Canby, OR area and would like to learn more about flood insurance, you should meet with the team at Oliver Insurance. The Oliver Insurance agency will help you better understand your flood insurance requirements and needs to ensure your home is properly protected.

Do You need More than the Minimum Motorcycle Insurance?

Did you just buy your first motorcycle in the Canby, OR area? Before you hit the road, the folks at Oliver Insurance want to make sure you have the protection and knowledge needed for a summer road trip with no worries.  

What Type of Insurance does Oregon Require You to Carry?

The Oregon DMV requires you to carry a minimum of liability and uninsured motorist insurance. This means that if you cause an accident on your bicycle, the medical payments and property repairs for the other vehicle are covered. Also, if you are damaged by somebody without insurance, you can recover. It does nothing to take care of your medical bills if you are found at fault. 

Get Your Bike Fixed with Collision and Comprehensive

You can add extra coverage to your policy that will make sure you can get back on the road, no matter who caused the damage.  It also reduces the amount of cash you have to pay upfront in order to get the garage to repair your ride. When you add comprehensive or collision to your motorcycle insurance, you are able to move on with life while your insurance takes care of the details.

A Rider Education Course can Save Your Life and a Little Money

Before you can hit the road, you will be required to take an approved motorcycle skills course from Team Oregon. If you opt for the intermediate course, you may see added savings or discounts on your insurance policy. Even though it might seem like another obstacle to getting a bike, these courses have proven to save lives for riders and other people on the road. 

If you would like to learn more about the options available for motorcycle insurance in the Canby, OR area, give our friendly agents at Oliver Insurance a call today.