Category: Home Insurance

Owning a home in a beautiful place like Canby, OR is a dream come true. Located just 18 miles from Portland in the North Willamette Valley some might call this an idyllic location. But like everywhere else in the world, things can happen to damage your home. Talking to the experienced team at Oliver Insurance can give you the peace of mind that happens when you know that everything you have is adequately protected by home insurance. A home inventory can be invaluable when tragedy sticks your home. 

A home inventory is just what it sounds like, a complete list of everything that you have in your home and any other buildings on your property. In the event that your home is hit by something like a tornado or a fire, your home may be completely destroyed. Even if it is only partially being able to remember exactly what you had prior to the event is not easy. You probably think that you know everything that you own but you are probably incorrect. Making an inventory will make that clear to you. 

Go room to room and write down everything, not just the major pieces of furniture but all the smaller things as well. If you need to replace all of your Christmas decorations, could you remember every piece that you have? Include the exact model and brand of items you inventory. You should include your attic and basement as well. For more expensive items be prepared to show a sales slip or appraisal. Taking detailed pictures of each room is an important addition. Once you have completed the inventory, it should be stored in a safe place away from the home if at all possible. 

A home inventory will be very welcome if anything ever happens to your home. To talk to an experienced insurance professional about your home inventory in Canby, OR, Oliver Insurance is ready and willing to share their experience with you. Stop by the office or give them a call for a no-obligation quote. 

Purchasing a home is likely the largest one-time investment you’ll ever make. Due to this, it is important to properly protect it. Home insurance is one way to do this, but your current home owner’s insurance may not completely protect it. In order to avoid potential holes in your policy, you need to talk to the team at Oliver Insurance. The team will help protect your Canby OR home. 

Flood Insurance

The weather around Canby, OR can be a bit sporadic. Due to this, it can go from heavy rains to sunshine at a moment’s notice. In order to fully protect your home, you’ll want to consider flooding insurance. This protects your home not only from heavy rain but also if a plumbing line bursts in your basement and floods the property. 

Sewage Backup

A backed-up sewer is a major problem that can cost you tens of thousands of dollars to repair. There are different kinds of sewage lines connecting to homes in the area. Some connect to the city, so if there is a problem it may fall to the city to repair the damage. However, if you have a septic tank the responsibility is with you. Due to this, you may want to consider coverage for sewage backup. 

Personal Property Coverage

Your home owner’s insurance protects the house. However, it may not protect your electronics or jewelry. In the event of a home break-in, you may not be covered if these items are stolen. Personal property coverage will help protect you in this event. 

There’s no shortage of the ways you can protect your home. From flooding insurance to coverage for a sewage backup, if you’re looking for the right coverage for your particular home it is important to seek out the team at Oliver Insurance for all your Canby, OR insurance needs. 

Winter is a time when you typically experience higher than average costs on your heating bills. However, winter can be much more damaging to homeowners since you’re at risk for issues like your pipes freezing. Oliver Insurance, serving Canby, OR and the surrounding area, can help once the damage is done, but we want to help you prevent the problem from occurring in the first place. 

Space Heaters

Determine where you have spots in your home that colder than others. You want to situate a space heater in these locations and keep it running when you’re home. This will help keep the pipes warm enough that they won’t freeze. 

Let Your Faucet Drip 

It’s best to keep water flowing through your pipes, so they’re less likely to freeze. You should let at least one faucet in your home dripping continuously when the temperatures are freezing outside. 

Cover Exposed Pipes
Determine anywhere in your where you have exposed pipes. You want to cover these pipes in order to keep them warm, so they don’t freeze. 

Keep a Constant Temperature in Your Home

You may save money by turning down your heat at night when you’re snuggled up in your blankets. However, you’re increasing your risk of your pipes freezing by allowing the temperature in your home to drop all night. You also want to make sure that you don’t turn your thermostat below 55 degrees Fahrenheit when you’re away. 

Frozen Pipe Repair 

If you notice little water coming from your faucet, you may have a frozen or possibly even broken pipe. You should shut off the water if it’s broken. If it’s just frozen, you may use a space heater, blow dryer, or electric heating pad wrapped around the pipe to thaw it. 

Insurance 

Always have homeowner’s insurance just in case you should happen to endure a problem like a broken pipe. 

Contact Oliver Insurance, serving Canby, OR and the surrounding region today for a quote. 

You are probably aware of the common factors which may affect your homeowners insurance. They include; location, the condition of your fixtures, and your history of claims. However, what you do not know is that your dog’s breed may also affect your insurance. If you work with a reputable Canby, OR insurance agency such as Oliver Insurance, you may get advice on what you can do to get insurance with your dog.

Dog Breeds That May Affect Your Insurance

Some insurance providers blacklist breeds of dogs that may be considered aggressive. They include; Pit bulls, Chows-chows, Wolf hybrids, Presa Canarios, German Shepherds, Rottweilers, and Akitas.  It is important to note that different insurance companies have different policies. Just because one insurance provider blacklists certain breeds does not mean you can’t find a provider that doesn’t. Most insurance companies do not offer homeowners insurance if a dog has a history of attacking other people.

If your dog’s breed is not insurance-friendly, you can do the following to get the right homeowners insurance.

• Be honest from the beginning. Reveal the truthful breed of your dog and whether or not it has attacked people in the past.
• Consider getting a standalone policy instead of including your do in your homeowner’s insurance. You should, however, always ensure that your dog is insured. Claims from dog bites can be expensive
• Train and socialize your dog from a young age.  Do not leave it unsupervised or it may bite other people
• Ask if your insurance provider may insure your dog after an obedience class. They may be willing to reduce your premium rates.
• If you do not get insurance from one provider, do not give up. Shop around until you find a provider that can accommodate your needs.

Contact Oliver insurance for your homeowner’s insurance needs in Canby, OR.