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Canby, OR 97013

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Does Auto Insurance Cover Belongings in My Car?

Canby, OR drivers mostly park in safe neighborhoods, but vehicle break-ins can occur anywhere. That’s why it’s essential to understand how auto insurance covers belongings that might be in your car.

Auto Insurance and Personal Belongings

Auto insurance policies are typically designed to protect against vehicle-related damages and liabilities. This doesn’t necessarily extend to personal belongings inside the car, such as electronics, clothes, or other belongings.

Standard auto insurance policies generally don’t include personal belongings in a vehicle. This is because auto insurance primarily focuses on the car and its liability concerns, not the items inside. In the event of theft or damage to belongings, an auto insurance policy is unlikely to do much.

Homeowners or Renters Insurance as a Solution

When you need to protect personal belongings inside a vehicle, homeowners’ or renters insurance policies might provide the necessary coverage. 

These policies typically include off-premises coverage for personal belongings, which naturally extends to personal items stolen from or damaged in your car. 

However, it’s essential to check the specifics of a homeowner’s or renter’s policy, as coverage limits and deductibles will apply. Our team at Olliver Insurance can help you look at the specific terms of your policy.

Make Sure Your Belongings Are Insured

Any insurance policy can be complex, which only increases when using a homeowner’s policy to protect things in a car. If you’re in Canby, OR, and want help insuring your belongings when they’re in a vehicle, contact us at Oliver Insurance. We can assist with auto, homeowners’, or renters’ insurance and ensure your belongings are adequately insured wherever you take them.

What Are The Risks Of Not Having Proper Motorcycle Insurance?

What can be more exciting than riding a motorcycle? It is a breathtaking experience, but it comes with certain risks. One of the most significant risks for all motorcycle owners is not carrying proper motorcycle insurance. Keep on reading this blog post to find out what chances you will have if you decide to skip motorcycle insurance and ride without it:

  • Financial burden. Even the most careful riders get into accidents. If you are involved in an accident on the road and do not have insurance, you will have to cover all the financial expenses out of your pocket. You may have to pay for property damage, medical bills, legal fees, and more.
  • Legal consequences. One of the immediate risks is legal consequences. Riding without proper motorcycle insurance can result in license suspension, penalties, and even the impoundment of a motorcycle. 
  • Medical expenses. If a road accident causes injuries, medical expenses can be astronomical. Without motorcycle insurance, you will have to cover these expenses yourself. Your health is priceless, and that is why having motorcycle insurance is so crucial. 
  • Losing motorcycle. Your motorcycle is probably one of your most precious investments, and it would be heartbreaking to lose it because of the lack of motorcycle insurance. If you have collision or comprehensive coverage, they will help you repair or replace your motorcycle in case of an accident or theft. 

Oliver Insurance – Reliable Insurance Company Serving Clients in Oregon

Are you a happy motorcycle owner living in Canby, OR, or any other nearby town in Oregon? Are you looking for motorcycle insurance to protect your motorcycle or yourself? You should contact our insurance company specializing in different types of insurance, including motorcycle insurance. We work with clients in Canby, OR, and other towns and areas throughout Oregon. If you want to know more, feel free to visit the Oliver Insurance website or call us.

 

What Are The Risks Of Not Having Boat Insurance?

If you own a boat, you probably consider it a precious investment. And as with any precious investment, it requires special protection. The best way to protect your boat is to have proper boat insurance. Your boat insurance policy is like a safety net designed to protect you from many risks you may face daily. What are the dangers of not carrying boat insurance? Here is a list of them:

  • Damage to your watercraft. If your boat is damaged and you do not have coverage, you will have to cover all the expenses yourself. 
  • Medical expenses. Without boat insurance, you and your passengers will not be covered for medical costs incurred in an accident. Your health insurance might cover some of them, but extra expenses will remain uncovered. 
  • Liability consequences. If you cause an accident on your boat, you will risk liability for property and personal damage to others and their boat. Even a minor accident can cost you thousands of dollars without insurance. 
  • Theft and vandalism risks. As a boat owner, you probably invested a lot in your watercraft. Therefore, such unfortunate things as vandalism and theft can lead to a substantial loss. Boat insurance provides you with proper coverage in case your boat is stolen or vandalized. 

Oliver Insurance – Reliable And Trustworthy Insurance Company Serving Clients in Canby, OR

Do you live in Canby, OR, or any other nearby town in Oregon? Do you own a watercraft that you want to protect? Do not worry – Oliver Insurance is ready to assist you. Our insurance company specializes in various types of insurance, including boat insurance. You can visit our website or call us if you want to know more.  

Term Life and Whole Life Insurance

When you have loved ones, you need to provide for them when you’re gone; you need a life insurance policy. There are two main types of these- whole life and term life. Each type has benefits and drawbacks, and there may be one of them that is better for your needs than the other. When you want to know more about life insurance policies or get started with a policy of your own, call us at Oliver Insurance in Canby, OR.

Whole Life Insurance

This life insurance type can be kept for the rest of your life regardless of age. It never expires, so you can keep it as long as you want. It is more expensive than the other types of life insurance, but many people find that they get a lot of value for that price. This policy can bring great peace of mind because it can’t be canceled if you keep making the payments for it. These policies also have the advantage of building up a specific value. This is a cash value that the policyholder can get cash for and pay back like any other loan. It can make a big difference when you have a serious financial situation. 

Term Life Insurance

This type has a set term of years that the policy will last. Once the expiration date rolls around, there is no more policy. You would then have to find a new policy and apply for it. However, this insurance type is relatively inexpensive. It costs much less than a whole life policy, making it the right choice for many people.

Get Your Life Insurance

To keep your family protected, you need life insurance. Call us at Oliver Insurance in Canby, OR to get your policy.

How does umbrella insurance work in Canby, OR?

Many people don’t realize that umbrella insurance can help almost anyone. Like a real umbrella, an umbrella policy covers you and your family when troubles rain down, keeping you safe from harm. If you live in or around Canby, OR, Oliver Insurance can help you learn more about an umbrella policy to decide if it would help you.

What Is Umbrella Insurance?

An umbrella policy is an extension of your regular insurance. As an individual, you may carry policies for your auto and home. If you have a small business, you may have several kinds of insurance, such as general liability, product liability, commercial auto, and others.

If you are involved in an accident, and that accident is determined to be your fault, your insurance will pay out to your coverage limits. For instance, if you have a $50,000 limit on medical bills, your insurance will stop paying at $50,000. Someone who has suffered severe injuries may need much more than that to recover.

If you have umbrella insurance, you must wait until you reach the maximum on the original policy. After that, the umbrella coverage kicks in, continuing to pay on the claim.

Why Is Umbrella Coverage Important?

Without the umbrella policy, you or your business would be liable once you meet your maximum limits. Not only does umbrella insurance continue to pay on the basic claims, but your coverage will also pay for associated legal fees and other expenses.

Canby, OR is a great place to live, but sometimes things happen. Umbrella insurance gives you the peace of mind to know you and your family are safe. If you want to find a policy or have questions about umbrella insurance, please call Oliver Insurance today.

Artificial Intelligence For Fraud Detection In Commercial Insurance

The world economy is so bad that people try to break even via fraud. The insurance industry has been pretty hard hit by fraud in recent years. It’s using artificial intelligence or AI as a tool to catch fraudsters. How can Oliver Insurance in Canby, OR use AI to protect its commercial insurance clients?

How AI Works

Lots of business is done online by ordinary people using chatbots. AI uses algorithms that formulate near-human texting patterns, understand them, and then respond to the texting in human-like language. 

The algorithm continuously learns from these interactions, improves its responses, and then uses that knowledge in customer service and analysis. Here’s more about how AI can benefit fraud detection in commercial insurance.

Analysis Is The Key

A commercial insurance carrier operates on its history of clients’ claims and payouts, credit scores, and suspicious actions. Analyzing these things determines if prices rise due to fraudulent claims. AI and Machine Learning or ML developers make software that analyzes massive amounts of information. This helps commercial insurance carriers fight the fraud that makes prices rise. 

Speed Helps

When the software mentioned above is working, analysis of image identification, data integration, and the analysis of all this data is sped up. So is settling claims. Customer experience is streamlined, quick, and more accurate. 

It’s A Digital World

Digital products are a huge business and a boon to those who work online. Security is the most vital digital product that fraudsters constantly try to circumvent. AI might have them beat, though. The more AI learns to think like a human, the more fraudsters can be thwarted. 

Most people aren’t aware of how insurance works from the inside out. As long as they’re covered, their world is good. AI is another example of how Oliver Insurance in Canby, OR is poised to remain good for its clientele.

The Impact of Renovations on Your Home Insurance Policy

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.

Four challenges when you buy pet insurance

Getting pet insurance is essential so that you can afford the veterinary care that your pet needs. Pet owners in Canby, OR can rely on us for pet insurance at Oliver Insurance.

You may face some challenges when you’re looking for the right insurance policy for your pet. The following are four challenges you may face when you buy pet insurance. 

Getting pet insurance for a pet with a pre-existing condition

If your pet has a chronic, pre-existing health issue, finding pet insurance could be a bit harder. While most pet insurance providers do not cover pets with pre-existing conditions, many do. You’ll have to shop around a little more to find your needed coverage. 

Knowing how high your coverage limits should be

Consider factors including your pet’s age and general health condition when deciding how much coverage to buy. If you’re unsure how much coverage to invest in, you can discuss this with your veterinarian to determine your pet’s policy limits. 

Being unaware of which companies offer pet insurance in your area

While you might be familiar with many auto and home insurance providers in your area, you might not know which insurance companies offer pet insurance. You’ll have to do some research on the Internet to locate pet insurance providers near you who can insure your pet. 

Understanding the terms of your pet insurance policy

Be sure to read all the fine print of your policy so that you know what’s covered and what’s not. If you have questions, ask a representative from your pet insurance provider so that you fully understand the policy you’ve bought.

Let us help you deal with these challenges and get the pet insurance you need in Canby, OR. Call us at Oliver Insurance to get a quote on a policy today!

How to Choose the Right Deductible for Your Car Insurance Policy

Your deductible is one of the most essential details you’ll consider when setting up your car insurance policy, so it’s crucial to understand your choices. If you’re located in Canby, OR, we at Oliver Insurance will be happy to help you figure things out. But first, check out the following tips on how to pick the right deductible for you.

How Do Deductibles Work?

Your car insurance deductible is the monetary amount you’ll have to cover on your own before your insurance company starts paying out toward damages. You’ll need to pay that deductible each time you need to file a claim.

Some types of car insurance coverage have deductibles – like collision coverage and personal injury protection – while others don’t. You can also choose your deductible when you sign up for a policy.

Choosing a higher deductible means paying lower monthly premiums. However, it also means you’ll need to cover more of the resulting costs out of pocket if you ever need to file a claim.

How to Make a Wise Deductible Choice

Naturally, the goal is to make sure you can easily afford the costs associated with your Canby, OR car insurance, both month to month and in the event you ever get into an accident. Consider factors like the following when selecting a deductible:

  • Driving History: If you have a history of car accidents and moving violations, opting for a lower deductible might be better.
  • Car Value: The lower your car value, the less your carrier will ultimately pay you if you ever suffer a total loss, making a lower deductible smarter.
  • Financial Situation: If you don’t have much money saved to cover you, if you ever have to pay a deductible, it may be easier to cover higher premiums.

It’s also a good idea to consult with professionals before finalizing any insurance decision, and Oliver Insurance will be happy to help you make a wise one. Call us today, and let us know how we can assist you!

Will Boating Insurance Protect Me When I’m Trailering My Boat?

Canby, OR residents are surrounded by a multitude of great places to boat and enjoy water activities. Canby, OR itself, lies just on the banks of the Willamette River and just a short drive from the Pacific Ocean and the Puget Sound. In short, this town is an excellent place to own a boat and take all over the area. However, if you do so, you might wonder whether your boating insurance will cover any incidents that happen when your boat is out of the water and taken between places.

Our team at Oliver Insurance is always eager to answer these types of questions. Consider the following answer to this one about Oregon boating insurance:

Will Boating Insurance Protect Me When I’m Trailering My Boat?

Short answer: Yes! Most types of boating insurance policies will have provisions that will cover exactly this type of scenario. But let’s take a quick look at the specifics of those provisions:

  • General Liability. The most basic type of boating insurance will include liability coverage. It will nearly always extend to when you are trailering your boat. General liability coverage offers financial and legal protection if someone else is injured by a collision or other scenario in which you are found at fault.
  • Physical Damage Coverage. This type of insurance provides you with reimbursements if your boat is damaged in a collision or protected event, and the at-fault party’s insurance doesn’t cover all of the costs to repair or replace or doesn’t exist. 
  • Comprehensive Coverage. Comprehensive coverage offers protection extending well beyond basic physical damage policies. Here, your boat is covered in the event of natural disasters, thefts, and more — whether on the road, in a parking lot, or on the water.

Learn More With Oliver Insurance

Get the right insurance coverage for your Canby, OR needs! Contact our team today at Oliver Insurance and protect your assets today!

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