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 Prevent Your Pipes from Freezing

Winter is a time when you typically experience higher than average costs on your heating bills. However, winter can be much more damaging to homeowners since you’re at risk for issues like your pipes freezing. Oliver Insurance, serving Canby, OR and the surrounding area, can help once the damage is done, but we want to help you prevent the problem from occurring in the first place. 

Space Heaters

Determine where you have spots in your home that colder than others. You want to situate a space heater in these locations and keep it running when you’re home. This will help keep the pipes warm enough that they won’t freeze. 

Let Your Faucet Drip 

It’s best to keep water flowing through your pipes, so they’re less likely to freeze. You should let at least one faucet in your home dripping continuously when the temperatures are freezing outside. 

Cover Exposed Pipes
Determine anywhere in your where you have exposed pipes. You want to cover these pipes in order to keep them warm, so they don’t freeze. 

Keep a Constant Temperature in Your Home

You may save money by turning down your heat at night when you’re snuggled up in your blankets. However, you’re increasing your risk of your pipes freezing by allowing the temperature in your home to drop all night. You also want to make sure that you don’t turn your thermostat below 55 degrees Fahrenheit when you’re away. 

Frozen Pipe Repair 

If you notice little water coming from your faucet, you may have a frozen or possibly even broken pipe. You should shut off the water if it’s broken. If it’s just frozen, you may use a space heater, blow dryer, or electric heating pad wrapped around the pipe to thaw it. 

Insurance 

Always have homeowner’s insurance just in case you should happen to endure a problem like a broken pipe. 

Contact Oliver Insurance, serving Canby, OR and the surrounding region today for a quote. 

 

Oregon Auto Insurance In 2019

At Oliver Insurance we want you to know that buying insurance in 2019 does not have to be a hassle. Our agents, and technology make the process easy as pie. Which is great because you do not want to be behind the wheel without adequate coverage. We serve Canby, OR and the surrounding areas with quality insurance that is easy to purchase, with terms easy to understand. 

Oregon Auto Insurance Requirements 2019

In the state of Oregon it is required to have these as a minimum:

2019 minimums for the required liability insurance in Oregon are as follows;$25,000 for bodily injury, per person., $50,000 for total bodily injury to others, per accident, and $20,000 for property damage, per accident.

In addition, you must carry PIP, Personal Injury Protection in Oregon to help with medical expenses. This coverage must be at a minimum of $15,000 per person. And Uninsured Motorist Coverage to protect you if you are in an accident with someone who is not insured the coverage minimums are $25,000 per person or $50,000 per crash.

Optional but recommended insurance coverage for Oregon residents in 2019 are:

Comprehensive, Collision, GAP, Rental Reimbursement, and Uninsured Motorist Property Damage. These five additional insurance add-ons are not required but can be vital when it comes to taking the risk of driving. They fall into the category of beyond the minimum but not legally required. If you purchase one or all of these you will be relieved to have them when things happen.

Call us at Oliver Insurance for more information about the 2019 insurance requirements, and how easy it is to get the coverage you need with us. We serve Canby, OR and the surrounding areas. 

 

 

 

 

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.