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.

Earthquake Insurance

Recently there have been reports in the news about the imminence of the “Big One” shaking the greater Portland-Metro area, which has led many to begin thinking about what they can do to prepare for an earthquake.  In addition to storing food, water, and other supplies, it is important to think about the catastrophic damages that can take place at your home and whether or not your Homeowners Insurance will cover the damage.

Most people do not realize that a standard Homeowners, Condo, or Renters policy does not cover earthquake damage.  In fact, according to the Oregon Insurance Division, only about 20% of Oregonians have earthquake coverage.  Earthquake coverage can either be added as an extra endorsement or sold separately as a stand-alone policy.

Here are a few steps you can take to ensure you are covered:

  1. Check your current Homeowners policy to see if the Earthquake Endorsement has been added. If not, you can simply call your agent to have them add the endorsement or they can write you a stand-alone Earthquake policy.
  2. Find out what the deductible amount is. Earthquake coverage has a separate deductible from your base Homeowners Insurance.  Deductible amounts ranging from 10 – 25% will be applied in the event of a claim.   Example, if there is $200k in damages you could pay anywhere from $20k – $50k out of pocket.
  3. Identify your Coverage A (the dwelling itself), B (other structures), and C (personal property) amounts on your Homeowners policy to determine what your total deductible amount would be in the event of a total loss. Example: Coverage A = $200k, Coverage B = $20k, Coverage C = $120k for a total of $340k in coverage.  The deductible for a total loss would be 34k – 85k depending on your deductible %.

 

Although the deductible can be expensive, it is a relatively small amount to protect one of your biggest investments – your home.  Please contact your Oliver Insurance agent today for more information.

Basic Overview of Potential Costs for Your Business in the Event of a Breach

Whether it's identify theft, data breach or cyber-crime, they are all basically the same thing. Regardless, the fact of the matter is that you need to be aware of the growing crime and how you're at risk.

Regardless of the industry that you're in, every business has confidential information that a thief wants. They'll take that sensitive data and sell it for money in their pockets. Unfortunately, it will be your bank account that continues to dwindle even after the breach occurs. Here are potential costs that you can expect to deal with:

  • Notifying your customers of the data breach will cost roughly $1, maybe $2, per person.

  • Obtaining help with data recovery and research could cost you $250 per hour.

  • Reissuing credit cards to your customers may cost you $25 per card.

  • Obtaining subscriptions for consumer credit monitoring will cost upwards of $20 per person.

  • Working with legal counsel could cost $600 or more per hour.

  • Offering a customer support hotline would likely cost $5 or more per phone call.

In addition to the aforementioned costs, you have to also think about the costs that are almost impossible to estimate since they vary depending on the exact circumstances and severity of the breach. These costs could include:

  • Expenses for rewards of the person who committed the breach.

  • Various public relations activities to try and salvage the name of the company.

  • Costs to upgrade technology in the office and training of staff.

  • Replacing stolen securities, identifies or funds.

  • Extortion demands.

Cyber-crime is a serious threat to every single business in the country, including your business here in Canby, Oregon 97013. Contact one of our independent commercial insurance agents to learn how you can protect your business from data breaches. Don't forget to ask for a quote on commercial insurance that will protect you in the event that a breach does occur.

Protect Your Business Income During a Power Outage

Whether it's a winter blizzard or a summer thunderstorm that takes place here in Canby, Oregon, severe storms can wreak havoc on your business. If severe enough, it could result in your business losing power, which means that you'll have to shut the doors for a bit. Many business owners assume that their standard business insurance contains coverage for this particular type of situation, but this is not always true.

Understanding Business Interruption Coverage

Some states offer an extended coverage for utility interruptions. It is typically known as Utility Services-Time Element and offers coverage for any income loss during an interruption of water supply, power or communications. As a general rule, this type of policy will offer reimbursement for profit loss as well as continuing expenses until your service has been restored and up to the policy limit.

When selecting coverage, it is important to determine whether you need all three or just certain utility coverage. You may need help in doing this, which is why you can give one of our independent agents in Canby a phone call.

3 Things to Keep in Mind

When it comes to this type of coverage, remember that:

  • This utility services interruption coverage cannot be purchased as a standalone policy and must be purchased in conjunction with business income coverage.

  • If there is a deductible or waiting period for your business income coverage, then it will also apply to your interruption coverage.

  • In order for the policy to take effect, the utility loss must have been a result as a covered loss.

If your business heavily relies on any type of utility, then it is imperative that you consult with us about the utility interruption coverage. Our independent agents want to make sure that all businesses in the 97013 community are properly coverage in the event that their business has to shut its doors or need to replace electronics due to storm damage. Contact us today and let us help you!

Homeowner’s Insurance: Storm Protection Coverage

Canby, Oregon is a gorgeous town not too far from Beaverton and Portland. It is categorized by vineyards, farmer’s markets, and more. The homes are valued higher than the state average and consist mostly of single family homes.

When you are in the 97013 ZIP code of Canby, you have to look at your homeowners insurance in terms of coverage. If there is a storm, snow or otherwise, it could result in roof damage. If your roof becomes damaged, it could cause leaks within the ceiling as well as various other issues.

You want roof damage to be repaired – and without being the one financially responsible for it. Your homeowner’s insurance may or may not cover the storm damage. This is why you have to look at the full level of coverage that’s in place as well as the fine print.

Our agents can help you with all of the specifics for insurance in Oregon. We can talk to you about specific storm protection so that there is additional coverage in the event of a storm. Whether the storm is rain or snow, you know that if your home becomes damaged as a result of it, you will be able to file a claim and have the insurance company pay.

Protecting your home in the 97013 area of Canby is critical and therefore you have to look at roof damage and overall storm protection within your policy. Our agents are experienced with homeowner’s insurance in Oregon, so let them work on a policy that will adequately protect your home.

Don’t let a storm take you by surprise and cause damage that insurance won’t repair. We can help you, so call us and let us provide you with assistance as well as quotes on a policy today.

Homes In Canby: Protecting Against Sinking Foundation And More

Canby, Oregon is a beautiful part of the Pacific Northwest. Home values are slightly above the state average and may be single family detached homes, town homes, and more. There are wineries and farms nearby and you are within close driving distance of Portland should you want to experience what the metropolitan area has to offer.

You want to do all you can to protect your home in 97013 and therefore you have to look at what your homeowner’s insurance offers. Protection may be minimal unless you know what to look for and what coverage needs to be added.

If you have a sinking foundation, it could impact your porch, your walls, and more. The longer you allow the foundation to sink, the more damage can be done. It should be as simple as calling your homeowners insurance in Oregon to receive assistance, but only if there is such coverage.

It can be advantageous to work with an agent where you can learn about what the fine print of a policy says. This will make it easier to know of the instances where a sinking foundation will be covered, amongst other issues that could occur within your home in the 97013 area.

One of our agents can talk to you about issues that homeowners have had in Canby and guide you through the coverage options. This will allow you to pick and choose what coverage you want to know that your home, your porch, and any other features are protected year round.

Homeowner’s insurance is our specialty and whether you have sinking foundation, have experienced a fire, or anything else, we want to work with you on finding the necessary level of coverage.

Call today to start asking questions and receive quotes on insurance premiums.

Top 4 Reasons to Insure Your Classic Car

If you own a classic car, then you definitely need insurance on it. Classic car insurance will go a long way in helping you rest assured that this asset is fully covered in the event that it were to become damaged or stolen. As an antique lover in the 97013 area, having the right insurance can help you sleep better at night. Here’s a quick look at the many reasons you’ll benefit from classic car insurance in Canby, Oregon.

Replacement Coverage

If your classic car was to become damaged or stolen, do you have the funds to cover your loss? If not, insurance is a great way to provide you with replacement coverage. If your collectible car is totaled, replacement coverage will be provided in the amount of your car’s "agreed upon value." Best of all, most insurance policies on classic cars take into account the appreciation value of the car, meaning you are protected even if your car’s value goes up from one year to the next.

No need to pay a deductible

Many classic auto insurance policies don’t’ require you to pay a deductible that would normally be associated with a traditional auto policy.

Injury and Property Damage

If an incident were to happen with your classic car in which someone became injured, or property damage was to occur, your insurance coverage would kick in and cover the associated costs.

Coverage when the at-fault party isn’t covered

What happens if you’re involved in an accident with a party who is at fault but doesn’t have coverage? Without insurance, you’ll be out of luck. But with your own classic car insurance policy, you can have peace of mind in knowing that your insurance will cover you.

Car Insurance: Coverage That Matters

Canby, Oregon is amongst wineries, farms, and offers a farmers market every week. There are a ton of things to see and do and it’s not a far drive from Beaverton or Portland.

When you look for car insurance in the 97013 ZIP code, it’s important to be aware of the coverage options. The state of Oregon requires you to maintain a minimum level of liability insurance, but beyond that, you still have decisions to make.

You don’t want to damage your clear coat and there are various things that can cause the damage. Hail damage is something you can experience year round, though especially in the cold Canby winters.

The coverage that you need to protect you against hail damage is comprehensive car insurance. This is for all of the non-driving related damage that can be incurred within the 97013 area. So you can protect yourself and your car, your insurance should have this coverage. If you are leasing a car, the company may even require you to have it.

We can help you with all of the coverage options for your car insurance policy. We will go over requirements in Oregon as well as additional options such as comprehensive, collision, and even uninsured motorist. We can discuss the levels of coverage as well so you don’t have to pay anything more than the deductible out of pocket in the event your car is damaged or you are involved in an accident.

Knowing about all of the coverage options will see to it that you are protected against it all in Canby. If you were to get insurance on your own, you may be left vulnerable and our goal is to prevent such a thing from happening.

Call and talk to one of our knowledgeable agents to receive quotes today.