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Personal Insurance

Insurance is a protection that is used to shield you from risks of financial uncertainty and unexpected losses. You need to buy the right type of insurance policy and have the proper level of protection for you and your family.

 

  • Auto Insurance: Auto Insurance will pay damages for bodily injury or property damage for which you are legally responsible due to an auto accident.

  • Home / Condo Insurance: This insurance covers your exposures common to owning a home and/or condo/townhome. This coverage includes coverage for the dwelling and its contents, theft coverage and liability coverage.
  • Renter’s Insurance: Renters Insurance covers your exposures common to renting an apartment, condominium or home. This coverage includes contents coverage, theft coverage and liability coverage. As a renter your personal belongings and liability are not protected by the landlord’s insurance.
  • Umbrella – Excess Liability: An Umbrella is also known as Excess Liability. This will expand the underlying liability coverage provided to you in your personal insurance policies and provide excess of the limits stated on your policy.
  • Flood Insurance: Flood is excluded as a cause of loss on home insurance policies. Flooding is America’s most common and costly natural disaster. 20% to 25% of all National Flood Insurance Policies flood claims are paid to people living in low-to moderate-risk flood zones.
  • Earthquake Insurance: Earthquake is excluded as a cause of loss on home insurance policies. You should consider this coverage for your home because Oregon is designated a ‘very high seismic hazard’ by the Federal Emergency Management Agency.
  • Landslide Insurance: Landslide is excluded as a cause of loss on home insurance policies. If you live in the hills surrounding the Metropolitan Portland area you should consider this coverage for your home because landslides are a potential danger you do not want to overlook.
  • Motorcycle / RV Insurance: Motorcycle and RV Insurance will pay damages for bodily injury or property damage for which you are legally responsible due to an accident resulting from the use of your motorcycle or RV.
  • Boat / Yacht Insurance: Boat and Yacht Insurance will pay damages for bodily injury or property damage for which you are legally responsible due to an accident resulting from the use of your boat or yacht.