Is My AC Covered On My Home Insurance Policy?

When you live in Canby, OR, it’s important to know what is and is not covered on your home insurance policy. If your AC breaks, it could cost several thousands of dollars to repair. The easiest solution is to file a claim with the insurance company, but will it be covered?

What Your Home Insurance Covers

Your home insurance is going to cover very specific things. This includes:

  • Dwelling
  • Personal belongings
  • Liability

Your home insurance policy is not going to cover your air-conditioning because it falls under an appliance. At Oliver Insurance, we are committed to helping you find the best home insurance policy for you, your home, and your budget.

If you are concerned about getting coverage for your air-conditioning, your plumbing, and various other components that might not be covered by your home insurance policy, it’s a good idea to have a home warranty policy.

When AC Would Be Covered

Although the standard reasons for AC breaking won’t be covered by your home insurance policy, there are some scenarios where it would be covered. This would involve damage to your home as a result of an act of nature or something else.

Your policy will provide protection in Canby, OR for fire, theft, vandalism, and more. This means that if your home suffers a fire and your air-conditioning unit is part of that fire, you could file a claim and have the HVAC unit replaced.

There are a lot of possibilities that exist when it comes to finding the right home insurance policy. Call and speak to one of our professional insurance agents at Oliver Insurance today. We will take the time to help you build a policy that works for you and your budget so that you have financial protection in place against a variety of potential scenarios.

 

 

Nervous about Your Driving Test? Here’s How to Prepare

Your driving test is a big day and it’s perfectly normal to be a little nervous. However, you certainly don’t want to have to take your driving test in Canby, OR more than once, if you don’t have to. For this reason, here are few tips to prepare for your driving test so you pass it the first time.  

Don’t Procrastinate

If you put off preparing for the test until the last minute, your chances of failing increase. Start studying weeks before and be sure to do lots of practice driving with your learner’s permit. Ask a friend or family member to quiz you.  

Take the Test in the Morning

Schedule your test for a morning session when you are more alert and have more energy. During the afternoon, many people can become groggy. Not only that, the all day anticipation of waiting to take the driving test will only make you more nervous.  

Be Prepared to Fail

If you do fail, that’s ok. You get more than one chance. Although it’s not the outcome you wanted, you can do better next time.  

Get a Good Night’s Sleep

Going out until late at night or staying up late is not a good idea the night before taking your driver’s test. You really want to feel your best for this test.  

At Oliver Insurance, we love to insure new drivers. We serve drivers in the Canby, OR area and help them find the best auto insurance policy and savings for their particular driving situation. To reach Oliver Insurance and speak with one of our friendly and reputable insurance agents, call us at 503-266-2715 today.  
 

 

 

 

Most Common Home Owners Insurance Claims Revealed

Insurance policies are often looked at as protection against the unexpected. However, there are steps one can take to protect your home against the most common claims made under policies. Below we reveal the most common claims and steps you can take to help reduce the likelihood.

Exterior Wind damage makes up about 25% of all claims. Powerful wind can damage weaker structures including windows and doors. Also, strong winds can pick up debris and cause damage to your roof and siding. To protect against damage, you should have your roof inspected and repair any damage. A roof that is damaged is much more likely to be damaged further by strong winds.

Nonweather related damage is the second most common claim made under policies. Typically nonweather-related damages include damage from pipes bursting, plumbing and appliance related claims. Winters in Canby, OR can be cold, and you should insulate your pipes to protect them from freezing. As part of prepping your home for winter, you should also turn off the water supply to outdoor hose bibs.

Hail storms are short-lived but can cause a great amount of destruction. If you live in an area prone to hail you should consider installing impact-resistant roofing material, this can reduce damage from hail by about 40%.

Weather related water damage such as flooding can cause serious damage to your home. You should make sure water is being drained away from the foundation. Also, you want to make sure you have flood insurance as it is not always included in policies, feel free to check with your agent at Oliver Insurance.

If you want to learn more about ways to protect your home, please reach out to Oliver Insurance. We proudly serve the Canby, OR area.

Review Your Auto Insurance for the Upcoming Travel Season

In some parts of the country, it’s looking like Spring. Even if it isn’t quite here in Canby, OR., vacation plans preoccupy many people. If you plan to hit the road this summer, prepare your car now. Getting your vehicle in shape goes a long way to preventing accidents and assuring a more enjoyable trip. Reviewing your auto insurance coverage with the independent agents at Oliver Insurance is a good place to start. We can make sure you’re getting all the discounts you have coming to you. We can also provide checklists in vehicle safety that will help you get ready for a great vacation.

For instance:

  1. The most important features on your vehicle are the braking system and the tires. These are what control your vehicle in an emergency and keep you on the road. Keep these in the best condition possible even if you have a scratch on your car or upholstery that you can’t repair right away.
  2. Be certain you are operating legally: keep your registration and proof of insurance handy. Don’t drive under the influence of alcohol. Use safety belts. Know the law and keep it.
  3. Plan your vacation ahead of time so you know routes and destinations. Using a GPS is a great way to stay on track, but know your route so you can spot trouble before your GPS steers you wrong.

Proudly serving the Canby, OR. area, Oliver Insurance not only provides auto insurance coverage, but we educate our customers so they can prevent accidents, injury, and misfortune. Contact us today at 503-266-2715 or use our online site for a quote for your auto insurance. You might qualify for discounts, and you’ll learn something new.

Got Into an Accident During a Test Drive – Who’s Responsible?

Test driving a vehicle is suppose to be a fun experience where you learn whether you could see yourself owning a particular vehicle. However, it’s necessary to understand what happens in the unfortunate event that you get into an accident during the test drive. Like most questions regarding auto insurance and personal liability, it’s hard to get a specific answer without talking to a knowledgeable person. Oliver Insurance serves the Canby, OR area and is able to provide more precise answers based on where you live and the insurance coverage you have.

Most of the time, if you’re test driving a vehicle, the dealership should have an insurance policy that protects every vehicle on its car lot. This holds true whether you’re test driving a new or used automobile. Because a test drive is usually only a short distance trip, the chance of an accident is low, and the dealership doesn’t mind using its insurance to cover any damage that may result from an accident that you’re involved in. However, if the dealership believes that the accident was your fault, then the company may try to get your insurance provider to cover the damage. For example, if a dealership sees a driver come in to test drive a high-powered sports car and notices that the driver speeds off the lot, the dealership is much more likely to try to pursue reimbursement for the damage to its vehicle in the case of an accident, especially if the accident appears to be the driver’s fault.

In conclusion, you’re most likely safe if you get into an accident while test driving a dealership’s car. However, because each situation is different, you can get more accurate answers to any questions you may have by contacting Oliver Insurance, which serves the Canby, OR area. Many situations are slightly different depending on where you live, which is why it’s important to talk with someone who has specialized knowledge about the area you live in.

Can Changes in Lifestyle Raise Home Insurance Costs?

As a homeowner, you should be aware that changes in your lifestyle can prompt insurance companies to raise your homeowner insurance premium. Before changing your lifestyle, talk to your Oliver Insurance agent in Canby, OR to see how certain changes will affect your home coverage. Here are a few examples of lifestyle changes that could result in higher home insurance costs.

Increased Physical Activity

Installing a swimming pool, setting up a home gym or purchasing a trampoline to get more exercise increases the risk of injuries on your property. As a result, you may have to pay more for your liability coverage. An increase in liability limits will protect your assets in the event family or friends have an accident when using this equipment on your property.

Home Business

If you start a home business that provides services from your abode or involves the purchase of expensive equipment, you’ll need extra liability and property damage coverage to protect your clients and equipment. Depending on the nature of your home business, separate business coverage may be a better alternative to protect your interests.    

Marriage

A marriage that results in joining two households could alter your home insurance coverage. If your spouse owns luxury items such as posh jewelry, heirlooms, expensive paintings, etc., you may need additional coverage to protect these items from damage or theft. If you move to a new house, you’ll have to discuss coverage options anew with your insurer to get the protection you need.

Adopt a Pet

Even adopting a pet could increase your home insurance costs, particularly if you obtain a dog that falls under the category of “risky breed.”

By talking to your Oliver Insurance agent in Canby, OR, you can get up to date information on home insurance options best suited to your particular need.  

How Much Auto Insurance is Enough?

When it comes to buying auto insurance, many variables should be considered. Ideally, you want enough coverage if it’s needed, but not so much that you go broke paying for it. Additionally, it is important to ensure that you meet legal requirements.  

State Requirements

Almost every state in the U.S. now requires automobile liability insurance coverage; New Hampshire is the only state that does not make it mandatory. The State of Oregon requires minimum liability coverage in the amounts of $25,000/$50,000/$20,000. This means your Canby, OR policy includes coverage of $25,000 per person, $50,000 per accident, and $20,000 per crash for property damage. Oregon law also mandates personal injury protection of $15,000 per person, and uninsured motorist’s coverage. 

What You Drive 

Aside from liability insurance, covering your vehicle in case of an accident or theft is prudent. The type of vehicle you drive should guide you to the proper coverage amounts. For instance, you don’t need as much insurance for a ten-year-old Buick as you would for a new Lexus.  Theft rates and collision repair costs are higher on newer vehicles and certain makes. You want to be sure you have adequate coverage in the event of a total loss.  Also, if your vehicle is financed or leased, GAP (loan-lease payoff) insurance is inexpensive, but a valuable add-on to your coverage.  

Resources 

Your personal resources are another consideration. If a car accident or theft would devastate your finances, carrying additional coverage, and keeping your deductibles low,  is wise. On the flip side, if you could absorb a loss of several thousand, raise your deductibles and pocket the money you save on premiums. Talk to the experts at Oliver Insurance in Canby, OR for guidance. 

 

Auto Insurers and the Use of Auto Trackers: What You Need to Know If You Are Considering a Policy That Utilizes One of These

There are some auto insurers out there who are allowing drivers to use telematics devices or auto trackers to possibly earn an auto insurance discount. The tracker can determine how many miles the car is driven, where the car is driven and if the driver is following safety laws, such as speed limits. If you are considering one of these devices to get a discount, here is some information you need to know.

Your Insurance Rate Can Actually Increase

One of the downsides, aside from giving up your privacy, is that your auto insurance rates can actually increase if you use one of these devices. If the insurance company sees that you frequently travel to an area with high car theft rates or accident rates or you are driving in what they view an unsafe manner, they have the right to increase your rate. So while you may be hoping for a decrease, you could actually end up with an increase.

Good Driver is an Arbitrary Term

Another downside is that good driver is an arbitrary term and only the insurance company knows exactly how they use the data to determine if you are a good driver and qualify for the discount. Some people may use the device only to find out that they don’t get any additional discount because the software doesn’t deem them a good driver.

If You Qualify, the Discounts Can be Substantial

While there are several downsides to using a tracker, there is a huge upside. If you qualify for the discount, the discount is often a substantial one. Some insurers will offer as much as 25 percent off your auto insurance rates if you use the tracker and use safe driving habits. If you are on a tight budget, this may make it a great deal for safe drivers.

If you are interested in learning more about telematics devices or are looking for alternative ways to possibly save on your auto insurance policy, contact Oliver Insurance, serving the greater Canby OR area. Stop by our office or call us to set up an appointment now.

 

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.

Five Simple Ways To Decrease Your Insurance Premiums

Insurance premiums can be a major part of a person’s monthly expenses, but Canby, OR residents can decrease their premiums in a variety of ways. Oliver Insurance offers the five following tips as the most effective ways of decreasing your auto, home, and health insurance premiums.

Cleaning Out Your Garage

Carefully cleaning out your garage can offer you premium discounts for two types of insurance coverage: auto and home insurance. Parking your car in a garage will decrease your auto coverage while cleaning up dangerous items will decrease your home premiums.

Increase Your Deductible

While it might be frustrating to increase your deductible, doing so will lower your monthly premium costs. Yes, you’ll pay more when problems do occur, but saving $100-200 per month can save you as much as $1,200 per year on your insurance.

Improve Your Insured Item

Repairing your car or home will decrease your premiums by making it worth more money. For example, adding storm shutters and adding a new room will minimize fire and water damage threats. Adding a new motor to your car will make it run more smoothly, eliminating breakdown threats.

Tweak Co-Insurance Rate

With medical insurance, you’ll typically have a ratio of 80/20 or 90/10, meaning the insurance provider pays 80-90 percent of your coverage while you pay the rest. Increasing the amount you pay (such as 70/30) will decrease your premiums, but increase what you pay: this method is similar to increasing your deductible with other insurances.

Avoiding Double Insurance

People often get medical coverage with their auto insurance policy and their personal health insurance policy. This is unnecessary, particularly if you already have life and disability insurance. Coverage duplication is expensive, so eliminate the most costly of these expenses to decrease your premiums.

Oliver Insurance covers the Canby, OR and can help you not only find great insurance coverage, but teach you ways to save money. Let them help you get full coverage and live a happy and productive life.