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.

 

 

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.

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.  

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.

Should You Tell Your Insurance Provider About Home Renovations?

A home renovation project is an excellent way to not only make your house more enjoyable but increase the property value as well. One of the most popular questions regarding such a project is whether or not you need or should tell your insurance company about such a home renovation. At Oliver Insurance, we want to make sure your entire house is protected, which is why we recommend informing your insurance company when making any sort of renovation in Canby, OR or the surrounding areas.

When Contacting Your Home Insurance Provider Isn’t Necessary

There are some home renovation projects you may not need to inform your insurance provider of. These are usually projects that don’t increase the value of the home but simply correct current issues. Correcting some plumbing issues or electrical problems likely do not need reporting to your home insurance provider as it won’t play a major role in the cost of your home. If you’re not sure about if the project has an effect on property value, contact us at Oliver Insurance and we can help you with this question.

When to Contact Your Insurance Provider

If you are performing any sort of upgrade, such as a new floor, renovating the kitchen or adding on a room to the house, you need to tell your insurance provider as it will have an effect on the overall value of the home.

A home renovation is an exceptional use of your money. Initially, you may not want to inform your insurance company about the project as it can increase your monthly premiums. However, in the long run this is almost always necessary as it protects your investment and ensures you receive payments for any damage your newly renovated home sustains. At Oliver Insurance, we are here for you, so if you have questions regarding your Canby, OR home, give us a call at your convenience.

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.

What Canby, OR Drivers Need To Know About Auto Insurance

Driving in Canby, OR requires that you have auto insurance. There are specific things that you need to have in order to be compliant with state law. This includes maintaining certain levels of property damage and personal injury liability on your policy.

What You Need

You need to have auto insurance if you plan on driving throughout Canby, OR and beyond. The state will dictate certain levels of insurance, and you may need additional insurance if you have a car loan or lease.

In addition to what you “need” there may be also things that you want. More coverage is possible beyond what is required of you. This includes collision insurance, comprehensive coverage, uninsured/underinsured motorist coverage, rental car coverage, and so much more. It allows you to build a better policy so that you have more protection throughout the year.

You never know what’s going to happen. Even if you are the safest driver out there, you can’t be sure of what the weather or other drivers will bring. This means it is imperative that you have an auto insurance policy that you can count on.

Finding the Right Policy

At Oliver Insurance, we will be able to help you with finding the right auto insurance policy. This means such things as:

  • Answering questions
  • Recommending coverage
  • Obtaining quotes

There is no reason for you to do all of the work on your own. We have the ability to save you time and money. All you have to do is decide to tap into the resources we have available. This will make it easier for you to have the financial protection on your vehicle so that if something happens, you have recourse to be able to file a claim.

Contact one of our independent insurance agents at Oliver Insurance in order to learn more about auto insurance.

Surviving Fall: Handy Tips Canby Residents Can Try

The transition into fall from summer can be a rocky one, especially if you live in a place like Canby, Oregon. The leaves begin to change, the weather starts to get cooler, and people start to turn off their air conditioning start to dress up for the incoming cold weather. What many homeowners both new and old may fail to realize is that the changing weather that is creeping up on them can do harm to their home and cost them an unfortunately high amount of money if they are not properly insured.

One issue is that as the weather gets colder, a lot of people do not check their doors and windows to make sure that your home is properly insulated to avoid damage from the cold weather. Another thing that homeowners should consider watching out for is that as the weather gets colder, so too does it get dryer, and dry weather can do some serious damage to your furniture. If you do not take the proper precautions to keep the cold weather out of your home, you may find your favorite sofa is put out of commission – and if you are uninsured, insult would be added to injury, as you would have to pay to have the furniture replaced out of pocket. Canby, Oregon residents should also make sure that their roofs are properly shingled and kept in good shape and that their gutters are in good shape as well; not only can a poorly maintained roof cause a house to have too cold of falls, it can make it more unsafe to clean our the gutters.

Insurance may assist you in avoiding serious consequences as a result of damage from the seasonal changes. Oliver Insurance can help you figure out exactly which insurance plan works best for your needs.

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.