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101 N Ivy St
Canby, OR 97013

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Life Insurance Life Lessons

Death is a universal tragedy that can happen at any time. This event should push you to develop a financial plan for your dependents to avoid any financial challenges in the future. When a death occurs, no one is prepared for it. It results in grave financial constraints for beneficiaries, especially if one is the sole provider.

Are you looking for a formidable financial tool in Canby, OR, which will safeguard your beneficiaries from any financial challenges in the event of your demise? Please contact or visit us at Oliver Insurance, and our agents will take you through landing life insurance coverage in line with your budget and needs. 

Benefits Derived From Purchasing Life Insurance

Life insurance coverage can supplement one’s retirement benefits. Sourcing grotesque life insurance protection from Oliver Insurance, especially a whole or universal policy, builds up an invincible cash value, which is contributory in aiding you to supplement your pension.

Life insurance and death benefits are tax-free. By paying your premiums promptly for your life insurance policy and your demise comes to pass, your defendants are entitled to death benefits paid as a lump sum, and fortunately, they are tax-free.

Addition of more financial security. Buying life insurance protection will ensure your children’s ambitions aren’t shuttered after your death. Life insurance coverage can boost the financial strength of a policyholder when living or not. This protection guarantees that your beneficiaries achieve their dreams even if you die.

To cater for debts and other impending expenses. In our everyday activities, we give ourselves up to debts and accruing costs coming from our daily undertakings. Life goes on, even after your abrupt death. However, think about this. Your death has come; you haven’t mitigated your loved one financially. Luckily, a life insurance policy allows your dependents to fund their future, from your children’s education and debts to paying for burial expenses.

Are you searching for reliable life insurance coverage in Canby, OR? Please contact or visit us at Oliver Insurance today for more details about life insurance.

Four reasons why you need pet insurance

Investing in pet insurance is one of the best things you can do as a pet owner. At Oliver Insurance, we offer pet insurance policies that protect pets’ health in Canby, OR.

If you’ve never bought a pet insurance policy before, you may be interested in learning why pet insurance is so important. The following are four reasons why you need pet insurance. 

Pet insurance lets your pet enjoy better health throughout their life. 

Your pet needs to be healthy to be happy and comfortable. Investing in insurance for your pet is vital for ensuring that you’ll get your pet the health care needed for optimum health. 

You can keep your pet healthy with pet insurance.

Veterinary care can be expensive. With pet insurance, you can get the veterinary care that your pet needs at a more affordable cost than you could get it by paying out of pocket.

It’s more likely that you’ll be able to keep your pet healthy regardless of any veterinary health issues if you invest in pet insurance. 

You won’t experience as much stress about your pet’s health with pet insurance.

It’s stressful to worry about the potential for high veterinary care bills. This is especially true as your pet gets older.

With pet insurance, you won’t stress out as much about potential health problems for your pet. 

Pet insurance is readily available.

If you’ve never bought pet insurance before, you might be surprised at how easy it is to get. Pet insurance is probably more readily available and more affordable than you expect. 

Protect your pet’s health with pet insurance in Canby, OR. Get a quote on a policy for your pet today by contacting our office at Oliver Insurance. You can also give us a call to learn more about our pet insurance solutions. 

Why should I get an Oregon auto insurance plan?

Driving a car in the Canby, OR area is a necessity for many people. If you are going to own a car when you are here, you will want to know that you are adequately covered. One great way to do this is by investing in auto insurance. There are multiple reasons the typical car owner needs this coverage. 

Ensure the Car is Protected

An essential reason for anyone to have an auto insurance plan is to ensure their car is protected. Your car is not only an important asset but is likely also something you need to rely on. Because of this, you will want to know that you have support if your car is damaged or stolen. When you have an auto plan with comprehensive support, it will provide the coverage that you need in these situations. 

Comply with Obligations

You also need to have auto coverage to ensure you can comply with any obligations that you have. Almost everyone in Oregon is going to have auto insurance requirements. Not only will you need insurance if you have taken out a loan, but you will also likely need insurance to meet standards the state sets. If you are not covered, you could violate both agreements and face various penalties. 

As you are looking to build an auto insurance plan in the Canby, OR area, it would be wise to call the team with Oliver Insurance. Choosing any auto plan is never easy; working with Oliver Insurance can help. The professionals at this company understand drivers’ needs and will give any guidance necessary to build a proper plan that meets your needs and protects your car. 

Why You Need Boat Insurance

When you own a boat, it is vulnerable to several risks on water and land. These risks make it necessary to get boat insurance to cover your watercraft. When you don’t have this type of insurance coverage, you can face many costs that can be difficult to afford. While this type of insurance isn’t required in Oregon, it is highly recommended for every boat owner. Call us at Oliver Insurance in Canby, OR to find out more.

Boat Insurance Is Vital Coverage

Boat insurance protection is vital because it protects you and your boat against a wide range of potential problems and costs. Boats have collisions while out on the water, which can be highly expensive for the person at fault. When you are at fault for a boating accident, you will have to pay for the damages to the other person’s boat and what’s inside it that gets lost. You will also owe for any medical bills they incur because of the accident. With boat insurance, the policy pays these costs for you and saves you what could be thousands of dollars. 

Types of Boat Coverage

Boat insurance is similar to auto insurance in the types of coverage that are available. It’s vital that you have liability insurance for your boat. This coverage pays for the other party’s expenses after an accident. Comprehensive insurance coverage is a type that pays for the risks that exist for your boat when it’s on land. 

Get Boat Insurance Today

If you own an uninsured boat, it’s time to get a boat policy to protect yourself financially. Call us at Oliver Insurance in Canby, OR to get started and find out more.

Safely Storing Your Motorcycle in an Oregon Winter

When winter threatens Canby, OR with below-freezing temperatures and freezing precipitation, you need to bring your bike inside and park it in the garage. But wait, what if you have no garage? Will a bike cover work?

Your Home’s Garage

Oliver Insurance wants you to avoid damage to your motorcycle, so we recommend parking it in a storage facility or garage for winter. If you have a garage – attached or detached – park it inside. Double-check your garage for insulation and set up a heater if it doesn’t already receive heat from your home’s central heat and air.

Your Storage Unit

Perhaps you already rent a storage unit, or your condo association provides a storage unit for you. As long as you have a climate-controlled unit, you can safely store your bike in it for the winter. The term climate-controlled means that the storage complex heats and cools the facility. In winter, these facilities typically maintain a temperature of 56F to 66F in the interior. During the summer, they usually maintain a temperature of 70F to 80F. This offers a suitable temperature for your motorcycle to remain safe.

Rented Garage Space

You have another option, too. Rent a space in a parking garage. Although most people do this for cars or trucks, these spaces also work great for motorcycles and trikes. Choose a covered garage that’s heated.

Contact Oliver Insurance

Contact Oliver Insurance for motorcycle insurance to protect your bike on the road. Park it safely during Canby, OR’s frigid winters. Safely doesn’t just mean locked up; it also means in a warm and toasty environment.

What type of life insurance is right for me?

For most people living in the Canby, OR area, there are various forms of personal insurance to consider getting. Life insurance is one type of coverage you want to have and maintain here. As you are looking for coverage, you can find various options to consider. You should consider both whole and term life insurance and assess the differences between each plan to determine which is suitable for your situation. 

Whole Life Coverage

A type of life coverage all people should consider getting is whole life insurance. This is an ideal form of coverage for some as it can double as an investment alternative. Some of the payments you make will go into an account that grows with interest income. Eventually, you can pull money out of this plan, making it an excellent addition to your personal investment plan.

Term Life Coverage

You can also consider a term life insurance plan. This can be a good form of coverage for some as the premiums tend to be lower than other options. With this type of coverage, you will have life insurance support throughout the entire insurance plan term. This form of coverage is also ideal as it can be flexible regarding the amount of coverage you have. 

There is always a good reason to get a quality life insurance plan. When you are looking for a new policy in the Canby, OR area, it would be beneficial to call the team with Oliver Insurance. There are a lot of choices to make when looking for insurance, and Oliver Insurance will give any guidance you need to select your next plan. This can help ensure that you have peace of mind and are appropriately insured. 

Get Peace of Mind With an Umbrella Insurance Policy in Canby, OR

Sometimes your current homeowner’s or auto policy isn’t enough to protect you from liability. That’s when you need an umbrella policy from Oliver Insurance in Canby, OR. An umbrella policy provides extra liability coverage above, and beyond your current policy, so you can sleep soundly knowing you’re covered.

Here are three reasons you should consider an umbrella policy:

Extra Protection in the Event of a Lawsuit

If you’re sued for damages exceeding your current policy’s limits, an umbrella policy can help cover the costs. For example, if you’re liable for a car accident that caused severe injuries, an umbrella policy could help cover the cost of the victim’s medical bills, lost wages, and more.

Expanded Coverage for Certain Types of Incidents

Umbrella policies can also provide coverage for specific incidents that your current policy may not cover. For example, an umbrella policy could help cover the cost of your legal defense if you’re accused of libel or slander. You may pay these costs out of pocket without an umbrella policy. They could force you to sell your assets to pay the bill if you don’t have the money to cover these costs.

Protection From Unusual Risks

Some risks, like owning a swimming pool or trampoline, are more likely to lead to a lawsuit. If you have one of these risk factors, an umbrella policy can help protect you.

These benefits provide peace of mind in knowing that you and your assets are protected.

If you’re interested in getting an umbrella policy, call Oliver Insurance today for a free quote. We’ll be happy to help you find the coverage you need to protect yourself and your family.

How Do I Choose the Right Business Insurance Policy for My Company?

As a business owner, you know that protecting your company is one of your top priorities. But with so many different business insurance policies available, it can be challenging to know which one is right for your business. Here are a few things to consider when choosing a business insurance policy.

1. The Size and Scope of Your Business

The size and scope of your business will significantly impact the type of business insurance policy you need. If you have a small business, you may only need a basic policy that covers liability and property damage. However, if you have a larger company, you will need a more comprehensive policy that covers a wider range of risks.

2. The Type of Business You Have

Each type of business has unique risks, so you will need a policy specifically designed to cover them. For example, if you have a manufacturing business, you will need a policy that covers liability for product defects. If you have a service-based business, you will need a policy that covers error and omissions risks.

3. The Location of Your Business

The location of your business will also impact the type of business insurance policy you need in several ways. First, different states have different laws regarding business insurance. Second, if your business is located in a high-risk area, such as a flood zone or an area with high crime rates, you will need a policy that covers the same.

4. Your Risk Tolerance

While all businesses need some insurance coverage, your risk tolerance will impact the coverage you need. If you are a risk-averse business owner, you may want to purchase a policy with higher coverage limits. On the other hand, if you are willing to take on more risk, you may get by with a policy with lower limits.

As you can see, there are a lot of factors to consider when choosing a business insurance policy. Oliver Insurance can help you find the right policy for your business in Canby, OR. We will work with you to understand your unique risks and needs and find a policy that fits your budget. Contact us today to get started.

What you can do to make your home a safer place

Safety in the home is something that everyone is concerned about. Safety means different things to different people. It can mean making your family safe from things outside the house or from things inside the home. Both of them are equally important. At Oliver Insurance in Canby, OR, we take our customers’ safety seriously and do our best to ensure their home insurance protects them. 

Accidents in the home are a very significant worry. More than 150,000 people die in the US from accidents every year, and of those, 75% are considered household injuries. This includes poisoning, falling, choking, drowning, and suffocation. 

Poisoning is the most common cause of death in the home but falls account for more than 70% of the injuries. Falls are particularly common among the elderly; the most common injury is a broken hip. Bathrooms are hazardous, so it is vital to ensure that the necessary precautions are taken to make slips and falls less common. 

Making your home safe also means protecting it from fire. Getting your furnace and chimney cleaned yearly can go a long way towards helping, and having smoke detectors that work is essential. 

Installing a home security system is both simple and inexpensive, and many are DIY projects that take very little time. You can monitor your home with your smartphone, and installing smart locks lets you ensure your house is locked tight even when you are not at home. Windows also have locks, and ensuring they are in use is a big help to your home’s safety. Installing motion detector lights on the exterior of your home also provides additional safety. 

Contact Oliver Insurance in Canby, OR if you are a first-time homeowner or are ready to get a quote from a new carrier. 

What Does it Mean If an Auto Insurance Policy Lists an Excluded Driver?

At Oliver Insurance, serving the greater Canby, OR area, one of the types of insurance products that we sell is auto insurance. In addition to selling auto insurance, we also take the time to answer questions that people have about their current auto insurance policy or a policy they are considering purchasing. One of the questions our office frequently gets asked is what it means if an auto insurance policy lists an excluded driver on the policy. Read on to get the answer to this question. 

What Does It Mean If an Auto Insurance Policy Lists an Excluded Driver? 

If your auto insurance policy lists an excluded driver, that driver is excluded from your insurance policy if they operate your vehicle. Ultimately, this means that if that driver is involved in a car crash in your automobile, your insurance policy will not cover the damage done to your car or another car. Excluded drivers must obtain their insurance policy to operate your vehicle.  

Why Would an Auto Insurance Policy List an Excluded Driver? 

Auto insurance companies use public records to determine who may live at your home. Suppose a driver in your home has numerous accidents, speeding tickets, or severe violations, such as reckless driving or a DUI. In that case, the auto insurance company may list them as an excluded driver because they deem them at high risk of being involved in an accident with your vehicle.   

If your current auto insurance policy does not meet your needs or you are in the market for a new policy in the greater Canby, OR area, Oliver Insurance would love to help you. Call us today with any questions you have, or let us provide you with a quote for a new auto insurance policy. 

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