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.

When Should You File an Auto Insurance Claim

Purchasing a car is a great milestone in one’s life. However, driving comes with its share of risks. Sometimes, even the most experienced motorists are usually involved in road accidents. This is the primary reason why the law requires every driver to carry some basic form of insurance to ensure that you are protected in the event of an accident. An auto insurance policy from Oliver Insurance protects you from significant financial losses that you may incur if you are involved in a crash in Canby, OR or elsewhere. However, most drivers don’t know when to claim and not claim their auto insurance.

When Should You Claim Your Auto Insurance?

Typically, you should file a car insurance claim when something significant happens. For instance, you always inform your insurance provider when other drivers are involved in the accident. Settling the matter with the other driver without the help of your provider is risky. After all, you can’t tell who you are dealing with. You can pay for repairs and months later; the same person will resurface saying that you didn’t pay him/her. Keep in mind that your liability coverage is there to protect you from expensive lawsuits and your insurance provider is experienced with handling various parties involved in an accident.

You should also file a claim when you cause severe injuries to other people or someone else’s property. Since it is difficult to tell whether the injuries occurred as a result of the accident, it is good to inform your insurance provider who will know what to do. Remember the fact that some symptoms may delay to show up and might show up at the scene of the accident even if they aren’t as a result of injuries sustained during the crash. You don’t want to cater to another person’s medical bills when it isn’t your fault.

Contact your insurance provider in Canby, OR when you notice significant car damage on your vehicle. Apart from what you are seeing, your vehicle might also have some other hidden damage. Your collision coverage will cater for repairs of any damage to your car.

Contact Oliver Insurance today for a customer-friendly auto insurance policy.

Why Every High Net Worth Individual Should Have a Personal Umbrella Insurance Policy

At Oliver Insurance we understand how hard our Canby, OR area clients work, and we are here to help you to protect your assets. If you are a high net worth individual, it is important to protect all of your hard work and shield yourself from damaging litigation. While your primary insurance policies can offer initial protection, what happens if damages exceed your amount of coverage? That’s where personal umbrella policies come into play, and we encourage our clients to add such a policy to their insurance portfolio.

The Types of Protection Provided by Personal Umbrella Policies

If someone is injured at your home or as a result of perceived neglect on your part, you can be compelled by the courts to pay damages. While most primary policies will cover such events, there are typically limits on each policy. To compensate for these limits, many people opt to also have an umbrella policy that will kick in once the primary policy is depleted. These policies can make the difference between protection and using your own personal assets to satisfy a claim against you. High net worth individuals can also become popular targets of such lawsuits due to their success and level of personal net worth. Do not let a frivolous lawsuit erase your years of hard work!

Contact Us Today to Learn More About How An Umbrellas Policy Can Help to Protect Your Assets

Don’t let all of your hard work be negatively affected by litigation damages, it is important to protect yourself! Adding a personal umbrella policy to your current insurance portfolio is an effective way to protect yourself. Contact Oliver Insurance today to schedule a consultation, or stop by our Canby, OR office to learn more.

Is Boat Insurance Required?

One of the best ways to spend a nice summer day in Canby, OR is on your very own boat in one of the many nearby lakes and waterways. When you own a boat, it is very important that you keep it properly protected. One of the best ways to do this is by purchasing boat insurance. While it is not necessarily required by law, there are still several situations in which you may need to have boat insurance.

Boat Loan
The first situation in which you will want to have boat insurance is if you have a boat loan. When you take out a boat loan, the lender will want to make sure that they are covered in the event the boat is stolen or damaged. Because of this, your boat loan agreement will require that you carry both insurance as long as the loan is outstanding.

Local Requirements
The state of Oregon does not necessarily require that you carry boat insurance when you operate a boat. However, there are a number of local lakes and marinas that have specific requirements in place to make sure that you are covered by insurance. Generally speaking, these lights will require that you at least have some level of liability insurance coverage that will protect other people on the lake if you are at fault in an accident.

If you are a boat owner in the Canby, OR area, you should speak with Oliver Insurance to better understand your boat insurance needs. One of the main advantages of consulting with Oliver Insurance is that they will be able to review your particular situation and explain to you what type of boat insurance you should have. This will help to ensure that you have the appropriate level of coverage at all times. 

Is Boat Insurance Required?

One of the best ways to spend a nice summer day in Canby, OR is on your very own boat in one of the many nearby lakes and waterways. When you own a boat, it is very important that you keep it properly protected. One of the best ways to do this is by purchasing boat insurance. While it is not necessarily required by law, there are still several situations in which you may need to have boat insurance.

Boat Loan
The first situation in which you will want to have boat insurance is if you have a boat loan. When you take out a boat loan, the lender will want to make sure that they are covered in the event the boat is stolen or damaged. Because of this, your boat loan agreement will require that you carry both insurance as long as the loan is outstanding.

Local Requirements
The state of Oregon does not necessarily require that you carry boat insurance when you operate a boat. However, there are a number of local lakes and marinas that have specific requirements in place to make sure that you are covered by insurance. Generally speaking, these lights will require that you at least have some level of liability insurance coverage that will protect other people on the lake if you are at fault in an accident.

If you are a boat owner in the Canby, OR area, you should speak with Oliver Insurance to better understand your boat insurance needs. One of the main advantages of consulting with Oliver Insurance is that they will be able to review your particular situation and explain to you what type of boat insurance you should have. This will help to ensure that you have the appropriate level of coverage at all times. 

When Can You Claim Your Commercial Insurance?

Every business in Canby, OR, regardless of its size or operations, requires some form of commercial insurance. Commercial insurance helps a business to deal with risks such as fires, theft, or business interruption. To determine the kind of commercial insurance that is suitable for your business, get the help of an agency with experience in commercial insurance such as Oliver Insurance. They will help you customize a policy for your needs.

When You Can Claim Your Commercial Insurance

•You can claim your commercial liability insurance if your business is facing liability claims. The claims may arise if a third party is injured on your business premises, if their property is damaged or if your employees cause harm to third parties or destroy their property by accident. The insurance coverage may help to pay for the repair or replacement costs of their property, legal charges, lost wages, or pain and compensation. If your employees get injured at work or as a result of their work, you can claim your worker’s compensation insurance. It helps pay for medical fees, lost wages, and death benefits.

•If your business property is damaged due to insured risks, you may make a claim. Your business property could include; business inventory, machines and tools, furniture, and electronics. Your property insurance coverage compensates you for the cost of repair or replacement of your property.

•If your business loses its income because of business interruption, you can make a claim on your business interruption insurance. It helps compensates a business if its activity is interrupted by covered risks. It provides salaries for employees during the period that your business is not in operation, tax payments, rent, and profits that it would have made.

Contact Oliver Insurance on 503-266-2715 for your commercial insurance needs in Canby, OR.

When Should You Think About Purchasing Life Insurance?

Life insurance is designed to offer protection to surviving loved-ones in the event of your untimely passing. One of the most important questions that people have regarding life insurance, is when they should consider making a purchase. Once you have married, or have children, you should begin looking for life insurance options that fit your needs.

Making A Life Insurance Policy Purchase

As your family grows, you should be thinking of ways to protect them in the event you die. The most important way to offer them the protection they need in the event of a loss of income is to purchase life insurance. A life insurance policy will allow them to pay bills, pay for school, and any other recurring financial burdens in the years following your passing. Calculate how much money will be needed to support your loved ones for ten years after your passing to give you an idea of how much coverage you need to purchase.

Help Finding Life Insurance Products

Finding the right coverage is as important as purchasing the right amount of coverage. Use a reputable insurance provider such as Oliver Insurance serving the residents in and around the Canby, OR area. They can answer all of your questions and help you discover life insurance options that will fit your needs. Get the peace of mind you need to protect your loved ones in the future. 

If you live in or around the Canby, OR area and would like more information about life insurance coverage, call or stop by Oliver Insurance. One of their helpful representatives can begin assisting you with finding the right coverage options. 

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.