Home Insurance Oregon City
If your home in Oregon City was ever completely destroyed by a fire, could you afford to rebuild it out of your own pocket? Could you afford to replace everything you lost in a burglary? If a visitor fell down your stairs and broke a leg, could you afford to pay their medical bills? Invest in a home insurance policy from Schmidt Insurance Group and know you are protected!
Home insurance, also known as homeowners insurance, protects your home and possessions in the event of a disaster or accident. It will help pay to repair, rebuild, or replace your home, other structures on your property, and your belongings in the event of a destructive event, such as a fire. It will also help cover your liability for any injuries or property damage to others that are caused by you or members of your family (including your household pets).
Common Home Insurance Exclusions
Most standard homeowners’ insurance policies include coverage for a wide range of catastrophes, including fire, lighting, windstorms, hail, explosions, civil commotion, vandalism, malicious mischief, and theft, subject to policy limits and deductibles.
Typically, however, flood, earthquake, and volcano damage are not covered by standard home insurance policies. If you live in an area where these events are frequent, you can buy a special protection policy.
Luxury items
High-priced jewelry and extravagant art collections may not be covered under your basic home insurance, but they can easily be covered with a separate policy.
Floods & Water Damage
If your basement floods and your possessions are destroyed, the typical home insurance policy will not cover the damage. For protection against floods, you’ll need flood insurance. Also, water coming into your home from backed-up sewers is typically excluded, but you can also purchase optional coverage to protect yourself from this.
Earthquakes & Volcanos
Earthquakes and earth movement are not covered by home insurance. However, you can purchase supplemental earthquake insurance through an add-on. If you live near active volcanoes, such as in parts of Washington, you can buy additional coverage for volcanic disasters, too.
Aggressive Dog Breeds
When you have certain breeds of dogs as pets, your home insurance policy may exclude them from coverage. Although your liability coverage will usually cover instances when your pet bites someone in your home or while on a walk, insurers often exclude Pit Bulls, Rottweilers, Akitas, Mastiffs, German Shepherds, and Alaskan Malamutes from coverage. You may have to purchase a rider to add coverage for your dog.
Business Related Claims
Home insurance for business related claims can be tricky. If you do any business in your home or out of your home, talk to an agent at Schmidt Insurance Group about business insurance. We have policies to meet everyone’s needs.
When you own a home in Oregon City, OR, work with top home insurance companies like Schmidt Insurance Group to protect your home and personal belongings. We know our Schmidt and make it easy to find the coverage you need! Contact us today at (503) 206-0881 for a free quote, and see how we can help.
