What Does Car Insurance Cover When Towing A Boat In Canby OR?

Weekend warriors in Canby, OR who take to the lakes and reservoirs to fish, ski, or just spend time with family on the water may be in for a rude awakening if they are involved in an accident on the road and their boat or trailer is damaged. The fact is, most car insurance policies only cover the trailer. Even then, the coverage is not quite as extensive as what is on the vehicle towing the boat and trailer.

Just Because It’s Attached, Is It Insured?

Many people are under the assumption that if the boat and trailer are attached to their vehicle, they are both insured. In most cases, if your boat is damaged due to an accident you caused or damage that was caused by another vehicle, your losses will not be covered by your car insurance. If your boat comes in contact with another vehicle and causes any amount of damage, your insurance will not cover those particular damages and you will be responsible for them out of your own pocket.

Boat and Trailer Policies

If you plan on towing your boat on a regular basis, it’s a wise decision to purchase a policy specifically for your boat and trailer. This will fully cover both items while they are on the road and in the water. It’s an important safeguard that may prevent you from losing your boat completely or having to pay for extensive repairs that may result in financial hardship.

Talk to your local insurance agent at Oliver Insurance. The staff will help you determine what type of insurance you need, as well as how much coverage is best for your particular boat/trailer combo. Oliver Insurance serves residents who live in and around the Canby, OR area.

Prevent Water Damage and Protect Your Home

Water damage could lead to a home insurance claim in Canby, OR. Beyond that, water damage can expose your home to mold, which can cause serious health problems. The best way to avoid water damage is to protect your home using the following methods.

Clean Your Gutters

Your gutters are an integral part of your roofing system. They protect the foundation of your home from water by guiding the water away from your home. However, if your gutters are clogged with debris, they can’t perform as they should. To avoid this problem and protect your entire home, have your gutters cleaned by a professional.

Have a Professional Unclog Drains

Another professional you should hire for clogs are plumbers. Toilets and sinks are known to clog when you least expect it. Although attempting to unclog your drains may make sense in some cases, you should leave it to a professional to ensure it’s done right, especially when the clog is significant. If you damage your plumbing while trying to unclog your drain, you face costly repairs. Avoid it at all cost by enlisting the help of a professional when necessary.

Make Sure Your Drains Are Working Properly

Even now in then, it makes sense to get your drains checked. If you don’t, you may experience a whole-house plumbing back up. Annual drain inspections in Canby, OR helps prevent this problem by ensuring that your drains are working properly. If they are not, a licensed plumber can make recommendations that will help you avoid a plumbing problem.

We are always here to help our clients when they experience a loss. Beyond taking measures to protect your home from water damage, we encourage you to contact us today to make sure you have enough home insurance.

Benefits of Hiring an Independent Insurance Agent

An independent insurance agent isn’t affiliated with one specific company. It gives drivers in Canby, OR, and the surrounding area a unique experience when compared to going through an agency. In fact, hiring an independent insurance agent has a lot of benefits.

1. Can Save Money
Hiring an independent insurance agent rather than going through a specific insurance has the potential to save the driver money. The agent will offer the customer a wide variety of policies rather than focus on just the ones provided by the company the agent works for, meaning the agent won’t pressure the driver into purchasing the best policy. Moreover, most of the policies are less money than most of the ones from a specific company.

2. An Unbiased Opinion
Drivers want the agent’s opinion on the best policy for his or her needs. Unfortunately, an agent working for an agency works for a company is giving advice based on the fact that they must keep the company’s best interests at heart. They may even work on commission, so the car owner’s best interest doesn’t come first. Independent agents don’t work on commission and have no preference over one company or another, allowing the driver to reap the benefit of an honest unbiased opinion.

3. More Personalized Experience
Those working for large insurance companies tend to rush a customer into selecting a policy and might not always address issues thoroughly since they have to work under call-time restrictions. However, independent agents have the ability to give a person a more personalized experience. They’re not pressed for time and have fewer customers to deal with each day, giving each person more time with a professional.

To learn about the different auto policies available through Oliver Insurance, Serving Canby, OR, and the surrounding area, from a friendly independent agent, contact us today at 503-266-2715.