Skip to content
Click to Call
Oliver Insurance

101 N Ivy St
Canby, OR 97013

Get Directions

Oliver Insurance Blog

Does Auto Insurance Cover Road Trips Across State Lines?

Posted on by agentinsure

Embarking on a road trip across state lines is an exciting adventure, but before hitting the road, it’s essential to understand your auto insurance coverage. Serving Canby, OR, and the surrounding areas, Oliver Insurance offers comprehensive auto insurance that can help you avoid unexpected issues during your journey.

The Basics of Auto Insurance & Travel

Most auto insurance policies in the U.S. provide coverage across all states, meaning you’ll remain protected wherever you travel. If a state has higher minimum coverage requirements than your policy, insurers typically adjust your limits to meet them. However, laws and requirements can vary, so it’s important to review your policy before your departure.

Key Considerations for Road Trips

  • Liability Coverage Adjustments – Some states require higher liability limits than others.
  • Comprehensive and Collision Coverage – Protects against accidents, theft, and weather damage.
  • Uninsured/Underinsured Motorist Coverage – Helps if another driver lacks sufficient insurance.
  • Rental Car Coverage – If renting a car, verify whether your policy extends to rentals.

When You May Need Additional Coverage

Additional auto insurance coverage may be needed in certain instances, such as for international travel. U.S. auto insurance policies may not always cover travel to Mexico or Canada. Also, consider additional coverage for roadside assistance, which can offer essential support for unexpected breakdowns or emergencies along the way.

Stay Protected On Your Next Road Trip

Most policies cover travel across state lines, but reviewing your coverage can provide peace of mind. A little preparation can go a long way in making your road trip safe and enjoyable. Contact the experienced agents at Oliver Insurance in Canby, OR, today to review your coverage options and get the auto insurance coverage you need to remain safe during your road trip.

Does Pet Insurance Cover Preventative Care?

Posted on by agentinsure

Pet insurance is a type of insurance that pet owners turn to when they need to get care for their pets. It is an excellent option for pet owners hoping to keep their pets healthy and reduce the number of big, costly vet bills they have to pay.

When you shop for an auto insurance policy, it’s important to find an agent who has your best interests in mind. This is why many people turn to Advantage Insurance Network, servicing Cincinnati, OH. Our agents are loyal to our customers and can shop around with many carriers to find a policy that makes sense for them.

What Is Pet Insurance?

Pet insurance is a type of insurance that pays for certain types of veterinary care. Pet insurance differs from health insurance because typical pet insurance policies require the pet owner to pay for the pet care up front and seek reimbursement for covered conditions. Pet insurance can help defray the cost of owning a pet and help you get the care required to receive treatment.

Does Pet Insurance Cover Preventive Care?

Typical pet insurance policies do not cover preventative care. However, pet insurance policies do vary. Some pet insurance companies can add wellness care to the policy. If it is important to you to have this added to your pet insurance policy, speak with your insurance agent. Your insurance agent can shop around to find the right type of pet insurance for your needs.

Who Needs Pet Insurance?

If you have a dog or cat that you love and would like to keep healthy, you may benefit from pet insurance. Oliver Insurance, servicing Canby, OR, can help you find a pet insurance policy that meets your needs. Call today to make an appointment.

Tariffs Ripple Down on Insurance

Posted on by Ryan Oliver

Why Home and Auto Insurance Costs Are Rising in 2025

A recent report from Insurify outlines several reasons why insurance premiums are going up across the country and here in Oregon & Washington. Here’s what homeowners and drivers need to know:

🏠 Home Insurance Increases

  • Home insurance premiums are expected to rise 8% nationally, reaching about $3,520 for a $400,000 home by the end of 2025.
  • New tariffs on building materials (especially from countries like China, Canada, and Mexico) may further raise costs, making home repairs more expensive and pushing premiums even higher.
  • States like Louisiana, Iowa, and Minnesota could see double-digit increases, largely due to recent severe weather events.
  • For example, in Iowa, insurers paid out $122 in claims for every $100 in premiums, signaling significant financial strain.
  • Florida still holds the title for the highest home insurance rates in the country, with an expected 9% increase this year.

🚗 Auto Insurance Impact

  • Car insurance premiums may also rise by 8%, going from $2,313 to $2,502 for full coverage on average.
  • A 25% tariff on imported vehicles and auto parts is driving up repair costs, since many parts are sourced internationally.
  • States like Maryland and New York may face even steeper auto insurance hikes.

🌪️ Weather and Climate Factors

  • Natural disasters like wildfires, floods, and tornadoes are becoming more common and costly, even outside traditionally high-risk areas.
  • These events are forcing insurers to raise rates to keep up with increased claims and repair costs.
  • Nationwide, home insurance premiums have gone up 24% in the past three years, and 95% of homeowners have seen their rates increase.

What This Means for You

If you’re a homeowner or driver, expect higher insurance costs in 2025. Reviewing your policy and talking with your agent at Oliver Insurance can help you find savings opportunities or ensure you’re getting the coverage you need at a fair rate.

Let us know if you’d like to schedule a policy review—we’re here to help! Check out this article for more info about tariffs and their impact on our insurance industry. https://www.insurancebusinessmag.com/us/news/property/tariffs-threaten-to-push-insurance-costs-higher-for-us-households-531425.aspx?hsmemberId=1023933&tu=C2443B66-2A35-4180-97FD-678D3F9A32B8&utm_campaign=&utm_medium=20250408&_hsenc=p2ANqtz-8jKi6cfKtgw9pMeShUTjhawB3r8XFIZiNMxats9-ZXnpmhk-yGvXlMKqhfmujMO5kzIPX7ONleaEf-aQdDjL3lrt2K27V-pKsiRe-fT3c6CCenzgU&_hsmi=355741080&utm_content=C2443B66-2A35-4180-97FD-678D3F9A32B8&utm_source=

Do You Know What Type of Insurance Agency You Use?

Posted on by Ryan Oliver

Shopping for insurance can be confusing, with so many options and questions to consider. You may wonder, “What type of coverage is right for me?” or “Which insurance company best fits my needs?” Understanding the different types of insurance providers—independent agents, direct writers, and captive agents—can help you make the best decision for you and your family.

As a Trusted Choice® independent insurance agency in Canby, OR, we work with multiple top-rated insurance carriers to provide customized coverage tailored to your unique needs. Unlike direct writers who offer limited choices or captive agents who only represent one company, we have the flexibility to compare multiple policies, ensuring you get the best protection at the best value.

Our team understands the local risks and coverage needs of Oregon and Washington residents and businesses. We take the time to get to know you, helping you navigate policy options and adjust coverage as your needs change. With expert guidance and personalized service, we’re here to protect what matters most—your home, auto, business, and more.

To learn more about the different types of insurance agencies and how they operate, check out this article https://www.cinfin.com/cincinnati-insurance-resources/independent-agents/buying-insurance-agency-channels.

Contact us today to see how working with an independent agent can give you peace of mind and confidence in your coverage choices.

Understanding Salvage and Wreck Removal Coverage

Posted on by agentinsure

Owning a boat opens up endless opportunities for adventure on the water, but it also comes with responsibilities—especially when it comes to insurance. While many boat owners focus on covering damage or theft, one important aspect that sometimes gets overlooked is salvage and wreck removal coverage. At Oliver Insurance, serving the community around Canby, OR, we help boaters understand why this coverage is essential and how it protects them in unexpected situations.

Understanding Salvage and Wreck Removal Coverage

If your boat becomes stranded, sinks, or is severely damaged in an accident, recovering or removing it can be both complicated and expensive. Salvage coverage helps cover the costs of retrieving a vessel that is still repairable, whether it’s stuck on a sandbar or taking on water after an incident. Wreck removal coverage, on the other hand, applies when a boat is no longer salvageable and must be safely removed to prevent environmental hazards or navigational dangers.

The Importance of This Coverage

Without proper coverage, boat owners may be responsible for the full cost of salvage or wreck removal, which can quickly add up to thousands of dollars. In some cases, local authorities may even require immediate removal to prevent environmental damage, leaving boaters stuck with an unexpected financial burden. Having the right policy in place ensures that if the worst happens, you won’t be left paying out of pocket.

Protect Your Investment in the Water

Boating should be about enjoyment, not worrying about potential disasters. Ensuring you have the right coverage means you’re prepared for the unexpected.

At Oliver Insurance, serving the greater Canby, OR area, we can help you find the best boat insurance policy to keep you protected. Contact us today to review your options and secure the coverage you need.

Can I Just Add My Motorcycle to My Auto Policy?

Posted on by agentinsure

Oregon is a haven for motorcycle enthusiasts, with miles of roads winding through beautiful forests and past stunning vistas. This is why many clients at Oliver Insurance, serving Canby, OR, own motorcycles. One of the most frequently asked questions is whether clients can add their motorcycle to their auto policy. However, it’s not that simple. Motorcycles require their own specialized insurance. For simplicity, you can bundle your motorcycle policy with your auto policy.

Why Do Motorcycles Need Separate Insurance?

Motorcycles are considered higher-risk vehicles due to their exposure to accidents and different liability considerations. Standard auto insurance policies do not cover motorcycles, so riders must purchase a separate motorcycle insurance policy. These policies typically include liability coverage, comprehensive and collision protection, and the option for add-ons like medical payments or uninsured/underinsured motorist coverage.

Bundling Auto and Motorcycle Insurance Can Help

Many insurers allow policyholders to bundle motorcycle and auto insurance, which can lead to discounts and streamlined policy management. Bundling may also make coordinating coverage limits and deductibles easier across multiple vehicles. However, bundling isn’t the same as adding a motorcycle to a car policy. It simply means both policies are purchased from the same provider at a discounted rate.

While a motorcycle cannot technically be added to a standard auto insurance policy, riders can purchase a separate motorcycle policy and potentially bundle it with their auto insurance for savings. Since motorcycles have unique risks, having the right insurance ensures proper financial protection in case of accidents, theft, or other damages. Checking with Oliver Insurance, serving Canby, OR, can help you find the best coverage options for your needs.

Can Anyone Purchase a Life Insurance Policy on Anyone Else?

Posted on by agentinsure

Life insurance can be a valuable tool for financial planning, but it often raises some intriguing questions. One of the most common is: Can anyone purchase a life insurance policy on someone else? At Oliver Insurance, proudly providing life insurance to residents in and around the greater Canby, OR region, we frequently encounter this question. The answer is more nuanced than a simple yes or no.

The Concept of Insurable Interest

The critical factor in purchasing a life insurance policy for someone else is the concept of "insurable interest." This means you must have a legitimate reason to take out a policy on another person. For instance, spouses, business partners, or close family members typically qualify because their financial well-being is directly interconnected. Without insurable interest, you can’t just take out a life insurance policy on a stranger or someone with whom you don’t have a financial relationship.

The Importance of Consent

Even if you have an insurable interest, the person you’re insuring must give their consent. Life insurance isn’t something that can be kept a secret. The insured individual must sign the policy application and acknowledge their awareness of it. This ensures transparency and protects all parties involved.

The Reason for These Rules

These rules exist to prevent the misuse of life insurance policies. They ensure policies are taken out for the right reasons—providing financial protection, not for speculative or unethical purposes.

If you’re considering purchasing a life insurance policy for someone else, it’s important to understand these guidelines. At Oliver Insurance, serving residents around the Canby, OR area, we’re here to answer your questions and help you navigate your life insurance needs. Contact us today to get started!

Is There Anything Umbrella Insurance Does Not Cover?

Posted on by agentinsure

Understanding the Advantages and Limitations of Umbrella Insurance

If you’re contemplating purchasing an umbrella insurance policy, it could be a wise decision to bolster your insurance coverage. While umbrella insurance offers an additional layer of protection, it’s crucial to understand that the policy doesn’t cover everything. For detailed information about umbrella coverage in Canby, OR, reach out to our agents at Oliver Insurance. We can provide a comprehensive explanation of what is and isn’t covered.

What Umbrella Insurance Covers

Umbrella insurance is a practical choice because it kicks in once the maximum coverage limits of your standard insurance policies (home, medical, auto) have been exhausted.

Umbrella insurance then covers lawsuits against you for damages or injuries, such as property damage to another person’s property, lost wages and medical bills for injured parties, court costs for legal settlements, and more.

What Umbrella Insurance Doesn’t Cover

In the event of an accident or property damage, your homeowner’s insurance policy is the first to be accessed. Umbrella insurance doesn’t cover any damage to your property.

An umbrella insurance policy does not cover your medical bills.

If you run a business, standard umbrella insurance doesn’t cover any losses your business may incur. You might need a commercial umbrella policy.

An umbrella policy does not cover liability arising from a contract.

If you’re found to have intentionally engaged in a criminal act or displayed criminal behavior, umbrella insurance does not cover any consequences resulting from these actions.

Get in Touch

There’s a wealth of information about umbrella insurance and who benefits from the extra coverage. For assistance in making the right coverage decision for residents of Canby, OR, you can rely on our team at Oliver Insurance for the answers you need.

3 Things to Know About Keeping a Home Inventory for Insurance Purposes

Posted on by agentinsure

Do you need to maintain a home inventory for your home insurance? If so, Oliver Insurance, serving Canby, OR, can answer your questions and provide the necessary advice!

A home inventory is a comprehensive list of everything you own in your home. In it, you may record information such as when an item was purchased, its value, and its model number.

If you’re keeping a home inventory, here are some things you should know about this list.

1. A Home Inventory Can Simplify Disaster Recovery

A home inventory can simplify recovery after a disaster. Home inventories provide homeowners with a list of items they owned before they lost their home. If you lose your home in a covered disaster, the home inventory can help you recall what you used to own so that you can buy a comparable product.

2. Some Insurance Companies Require a Home Inventory

While many insurance companies do not require customers to keep a home inventory, some do. If your home insurance company has this requirement, your insurance agent will be able to provide you with more specifics about how to meet this requirement for your insurance.

3. There Are Many Ways to Keep a Home Inventory

It’s still a good idea even if you’re not required to keep a home inventory. You can keep a home inventory in many ways, including with a simple spreadsheet. Some apps can help. One easy way to record everything that’s in your home without writing a list is to make a video of your home.

At Oliver Insurance, serving Canby, OR, we can answer your questions about the home inventory process. Call today to find out more about home inventories and whether you’re required to have one.

Commercial Insurance a Business Needs When It Owns the Building

Posted on by agentinsure

Commercial liability insurance often takes center stage, but did you know that your Canby, OR, business also needs specific insurance that protects the components of your physical building? If you own your building, your commercial insurance package likely includes commercial property coverage. Still, your policy package from Oliver Insurance should also cover building components, such as glass windows or the boiler.

What If Your Business Rents Its Space?

If a business rents or leases its space, the landlord’s insurance typically covers boiler breakdowns, broken plate glass windows, and vandalism. Check your lease to ensure it extends the landlord’s insurance coverage for the cleanup of vandalism that occurs while you occupy the building or rented office. You’ll need insurance covering your business furniture, equipment, and inventory. If damage occurs to any part of the building itself, your landlord is responsible for the repairs.

What If Your Business Owns Its Building?

If you, as the business owner, or the business as a corporation or LLC, own the building, you are responsible for repairs. Commercial property insurance covers many damages, but some require a specific policy. Coverage like glass policies, boiler insurance, and business property coverage protects against financial losses from these types of damage.

Glass policies cover plate glass windows, mirrors, etc. Dance studios, workout studios, and retail stores often purchase this type of policy due to the large amount of glass in their buildings. Boiler insurance covers a building’s boiler, furnace, etc. You can file a claim if a part breaks or the system fails. A business that owns its building also needs coverage for the furnishings, equipment, and inventory.

How Do You Know Which Coverage to Buy?

Don’t guess which policies your Canby, OR, business needs. Call or email Oliver Insurance for a commercial insurance review. Let us help you build a comprehensive commercial package that protects your financial investment.

Accident Report Form

Click to View

Leave a Review

Leave a Review

Categories

Our Services

Servicing States

  • Oregon
  • Washington
  • California
  • Arizona
  • Idaho

Client Reviews

Partner Carriers

  • Acuity
  • Branch
  • Cincinnati
  • Liberty
  • Metlife
  • Northwest
  • Progressive
  • Safeco
  • Stillwater
  • Sublimity
  • Travelers
Oliver Insurance Logo

Oliver Insurance | Website Development by EZLynx® • Copyright © 2025. All Rights Reserved.