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101 N Ivy St
Canby, OR 97013

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4 Benefits of Umbrella Insurance

We all know the need to have liability insurance, especially today. Most people have liability coverage in their home, auto, business, or boat insurance. However, these liability coverage limits may not be sufficient to cover costly claims or specific injuries, which may jeopardize your finances. The good news is that there is a solution to this predicament. Umbrella insurance is the real deal. This liability coverage kicks in after depleting your other liability limit. If you buy umbrella insurance from Oliver Insurance, you will benefit in the following ways.

Assets protection

Asset protection is probably the main reason you need umbrella insurance. Individuals and businesses are vulnerable to lawsuits that could cost thousands of dollars. Luckily, purchasing umbrella insurance ensures your assets are safe by paying all the claims.

Additional coverage

Besides kicking in when your other liability coverage depletes, umbrella insurance covers incidences your other policies won’t provide, for example, defamation, wrongful arrest, slander, or libel.

It’s affordable

Umbrella insurance is significantly cheap. You will be amazed at how reasonable the premium is when you receive a quote from your trusted agent. The umbrella insurance comes in when your other liability policies deplete, making it cheap.

Offers peace of mind

The additional coverage offered by umbrella insurance instills the peace of mind we all want in life. That means you are ready to deal with any uncertainty that may come your way, especially from a financial point of view.

Umbrella insurance in Canby, OR 

Don’t allow yourself to live on the edge worrying about the safety of your assets. Umbrella insurance makes sure your assets and your future earnings are safe. Remember, lawsuits can happen to anyone. If you are in Canby, OR, and its environs and are ready to purchase umbrella insurance, please contact Oliver Insurance.

My Car is in Storage. Should I Cancel My Auto Insurance?

There are various reasons why people put their cars in storage. Some may be when they go on an extended vacation or their job takes them overseas for an extended period. You may find it wise to cancel your auto insurance to save money. After all, you won’t be on the road. But is it a smart move? While you may find it a short-term saving scheme, there are setbacks to canceling the policy. It would be best if you instead considered the option of downgrading your policy. In that case, should you cancel your auto insurance when your car is in storage? The answer is NO. Let’s explore why as prepared by Oliver Insurance.

Your car is still vulnerable to risks.

Even if your vehicle is not on the move, it’s still at risk of damage while in storage. Your car, for example, may be damaged by falling objects. Your vehicle is also at risk of theft, fire, vandalism, or flooding while in storage.

 It creates gaps in your coverage.

Canceling your policy when your vehicle is in storage creates gaps in your insurance history. Most insurance companies look at your insurance history, and when they see some gaps, they may rate you as a high-risk driver. When you decide to reinstate your coverage, you may pay more premium.

You may violate your loan agreement.

If your car is on loan and you are still paying it off, your lender may require you to have specific insurance coverage even if you are not driving your vehicle. With this, the option of dropping off the policy is not available.

Auto insurance in Canby, OR

While you can drop your insurance when your car is in storage, think of the cost you would incur if an unfortunate event occurred like theft or damage. It would help if you talked to your agent to see the options available for stored cars. If you live in Canby, OR, and its environs, speak to us at Oliver Insurance for personalized advice.

When is the best time to review your life insurance?

Like many other types of insurance, life insurance is not something that is one and done. It needs to be reviewed at certain points in your life to ensure it provides the amount of protection you need in the next few years. At Oliver Insurance in Canby, OR, our insurance experts have years of experience providing our customers with the personalized service they expect from an independent insurance agency. 

Certain life events trigger the need to review your life insurance. 

Changing employers

This may happen many times over a lifetime, so it is best to be prepared to do it. You may have life insurance as part of a benefits package. Employer-provided life insurance should never be your only life insurance, it should be supplemental. 

Getting married

When you add another person to your life, you need to look at your life insurance coverage to determine whether it is now adequate to provide the protection you require. You also need to change the beneficiary on any policies that you currently have. 

Buying a home

Owning a home comes with many new obligations, including paying off a mortgage if anything should happen to you. You don’t want to leave your loved ones holding the bag because of your decision. Talk to your independent insurance agent about ways to keep your family safe. 

Having children

Children add the most need to your future plans. If you passed away tomorrow, how would your spouse manage, and would your children be able to stay in their current home and enjoy their current lifestyle even though you are no longer with them? You need to consider how long you need to provide support. 

Contact Oliver Insurance in Canby, OR when it is time to review your life insurance.

How do you file a claim on your commercial insurance policy?

Many business claims start with a police report because they center around the crimes of theft, vandalism, or the rarer, embezzlement. Other claims, such as storm damage or equipment breakdowns, start with your insurance company, Oliver Insurance. Read on to learn the steps to follow to file a commercial insurance claim.

  1. Call the police and file a report if you need to file a claim due to any crime at your business.
  2. Call your insurance agent. For anything other than a crime, you can probably completely file your claim the same day the event occurs. For a crime, you need to provide the official police report.
  3. Take photos of the crime scene or claim-worthy event while waiting for the police or your insurance agent. Do not move any items if you report a crime. The police need the scene preserved until they document it.
  4. Begin looking for repair people after your insurer and the police finish with your office or event location. These repair crews can’t come to visit your location until the police release it if a crime occurs.
  5. Contract with a certified public accountant if you file a business interruption claim. A forensic accountant can assist your business in documenting business income loss.
  6. Follow up with the police to obtain a copy of the police report.
  7. Provide the police report to your insurance agent.

Your insurance agent should contact you when the agency has your check ready, or they may directly deposit the claim amount in your checking account.

Your diligence in preparing the claim can mean the difference between a quick claim and significant delays.

Keep your Canby, OR business running smoothly with commercial insurance from Oliver Insurance. Call us today for a custom commercial policy to protect your company.

Top 5 Reasons to Get Pet Insurance

Like most pet owners, you probably consider your furry friend to be a part of the family. And just like with any other member of your family, you want to make sure they’re protected if something happens. That’s where pet insurance comes in.

Here are the top 5 reasons to get pet insurance:

1. Peace of Mind

Perhaps the most important reason to get pet insurance is its peace of mind. With coverage in place, you won’t have to worry about how you’ll come up with the money to pay for unexpected veterinary bills.

2. Protection Against Major Expenses

Veterinary care can be expensive, especially if your pet needs treatment for a serious illness or injury. Pet insurance can help cover major medical expenses, giving you one less thing to worry about.

3. Routine Care Coverage

Many pet insurance plans cover routine care expenses like vaccinations, check-ups, and teeth cleaning. This can save you money on preventive care, which is vital for keeping your pet healthy.

4. Flexible Coverage Plans

There are a variety of pet insurance plans available, so you can choose the coverage that’s right for you and your pet. Some plans even offer the option to customize your coverage to fit your budget.

5. Allows You to Budget for Veterinary Care

You can budget for your veterinary care costs each month when you have pet insurance. This makes it easier to afford your pet’s care and gives you peace of mind knowing that you’re prepared for anything.

Pet Insurance in Canby, OR

Pet insurance is an important way to protect your furry friend. Oliver Insurance offers a variety of pet insurance plans to fit your needs and budget. Contact us today to learn more about our coverage options and get a free quote.

3 Optional auto insurance add-ons in Canby, OR

Like most other states, Oregon requires drivers to carry auto insurance. But Oliver Insurance knows that minimum coverage is rarely enough.

It is illegal to drive without bodily injury and property damage liability in the Beaver State. The state also mandates at least $15,000 in personal injury protection (PIP). Drivers must have uninsured or underinsured motorist insurance too. This adds to your insurance if another driver lacks adequate coverage.

While these requirements extend further than most other states, Oliver Insurance doesn’t want to leave anything to chance. Located in Canby, OR, the agency wants to ensure you have an auto insurance policy that meets your individual needs. Inadequate auto insurance can leave you exposed. 

With this in mind, Oliver Insurance lists three popular auto insurance add-ons to keep you safe on the roadways.

Collision

This boosts your coverage for accidents that result from a collision. This applies to repair costs no matter who is determined to be at fault. While this isn’t a legal requirement, some lenders may request collision insurance before receiving a loan.

Comprehensive

All other forms of physical damage to your vehicle fall into the "comprehensive" category. This insurance includes any non-collision incidents. Examples include theft, vandalism, accidents caused by animals, and weather-related damage. Combined with collision coverage, this package of protections is often referred to as "full coverage."

Medical payments

Medical payments are usually rolled into PIP. However, $15,000 in coverage is low, especially in a major accident. Motorists can choose to increase their personal protection, increasing the policy limit for any needed medical care. Discuss this with your agent.

Contact an agent serving Canby, OR

Oliver Insurance goes beyond simply keeping you legal. Their expert agents prioritize your safety and security through a complete auto insurance policy. Schedule an appointment today.

Why Every Homeowner Needs Home Insurance

For homeowners, there are a lot of risks that they face from a wide range of incidents that can happen to and in their homes. However, home insurance provides a number of types of protection to help them mitigate many of those risks. With home insurance, you can get the protection that you need to have better peace of mind. If you need home insurance, contact us Oliver Insurance in Canby, OR today to make your appointment. 

House Protection

What home insurance is perhaps best known for is the protection afforded to the house itself. This protection allows your policy to pay for the repairs that are necessary after certain events happen to your house. Many different types of events are covered by standard home insurance, including certain types of disasters and calamities. When one of these covered incidents takes place, it can mean enormous repair bills for your house. If you aren’t protected by home insurance, you would be responsible for those bills yourself. 

Protection for Belongings

Just like the protection that home insurance gives to your house, it also gives protection for the belongings inside the house. Covered incidents that damage or destroy possessions inside the house can be replaced with the help of your home insurance policy. If you didn’t have the policy, you would have to replace everything from your own pocket. Most people would be unable to afford such an enormous expense. 

Liability Protection

Another type of protection afforded by home insurance is liability coverage. This protects homeowners in case someone were to have an accident with injuries in their home. The policy would pay for the medical bills instead of the homeowner. 

Get Home Insurance Now

If you don’t yet have your home policy, there is no time to wait. Call us at Oliver Insurance in Canby, OR.

Protect your OR vehicle with a comprehensive policy

Do you live in the greater Canby, OR area? If that is the case, then you can rely on Oliver Insurance for all of your vehicle insurance needs. Our team is here to help our clients secure the insurance policies that best meet their needs. Give us a call today and find out more!

Protecting your vehicle

There are a number of different reasons to upgrade your vehicle insurance to a comprehensive policy. The main one is convenience. If you are ever involved in an accident or another mishap, you will want to have the situation rectified as quickly as possible.

Transportation is often a requirement for a full and successful life. When your car is in the shop it can be a major disruption to your everyday routine. When you have a robust vehicle insurance policy in place, you may receive reimbursement for the cost of a rental car while your vehicle is being repaired.

Why not take the time now to review your options? With all of the policy types that are available, you may be missing out on some wonderful features that could be of great benefit to you. There’s no time like the present to sit down with your local agent and find out how you can protect your vehicle with a comprehensive policy. 

Vehicle insurance isn’t just about collision and liability coverage, there are now a lot of other benefits to enjoy!

We look forward to working with you!

The entire team here at Oliver Insurance is proud to serve the insurance needs of our Canby, OR area neighbors. Our local team is here to help you find the insurance that can protect your vehicle. Give our office a call or stop by today to find out more!

Unique Motorcycle Insurance Facts

Oliver Insurance is an independent agency. We serve the Canby, OR community. For over 30 years, we have helped our clients find policies that align with their needs. Searching for the right insurance carrier can be tough. We strive to simplify the process for our clients to help make their lives easier. We have working relationships with multiple carriers across the Pacific Northwest.

Unique Motorcycle Insurance Facts

Many Canby, OR residents enjoy riding their motorcycles through the city and beyond. Riding a motorcycle gives you a unique opportunity to explore your surroundings. However, riding a motorcycle is also relatively dangerous, as one mistake on the road can lead to fatal consequences. Motorcycle insurance gives you a layer of protection. Liability coverage protects you if you accidentally injure someone or lose control of your motorcycle and cause property damage. Collision coverage protects you if your motorcycle is damaged due to an impact with another object. Comprehensive coverage protects you if your motorcycle is stolen or vandalized. While researching motorcycle insurance, consider these unique facts.

Wearing A Helmet May Impact Your Policy

Wearing a helmet while riding your motorcycle can help you avoid a potentially serious injury. Wearing a helmet promotes safety, which may impact your motorcycle insurance policy.

Custom Coverage

If you have a high-end motorcycle, consider adding extra coverage to your insurance policy. There are multiple benefits to amending your policy. High-end motorcycles are generally fast, which means there’s a strong likelihood something could go wrong. Perhaps you lose control for a second and hit a parked car, causing property damage. Adding extra liability coverage protects you. Plus, you will also be protected if your motorcycle is stolen, which alleviates stress.

Oliver Insurance Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.  

Why Is Boat Insurance Needed?

If you have purchased a boat in Canby, OR recently, you must consider protecting yourself as well as your investment. There are different types of coverage offered at Oliver Insurance, but you may want to understand why boat insurance is so important first.

Liability and Collision Damage

In the event you strike another watercraft, boat insurance offers the proper protection to cover the repair/replacement of your vessel. However, cleaning up afterward may not necessarily be covered. Therefore, this is something to address with your boat insurance agent.

Liability coverage is another important part of your boat insurance, as this will cover the expenses that arise when damage occurs to another boater’s watercraft. It will also cover the associated medical costs.

Comprehensive coverage will offer coverage for repairs in the event your property is stolen, vandalized, or damaged as a result of a non-collision event.

If you are not properly covered where your boat is concerned, you will face significant financial liability following an accident. In other words, you may be held responsible for paying for the costs of repair, medical expenses, and any other damages associated with the incident out of your own pocket.

Reach Out to an Insurance Agent in Canby, OR for Boat Insurance

When you are in need of boat insurance coverage, you may want to reach out to a professional insurance agent at Oliver Insurance. Offering coverage for Canby, OR residents, our team is ready to assist you in determining the amount of coverage you need as well as what type of coverage you require. Call us today to obtain a custom quote based on your individual situation, needs, and budget.

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