• Home
  • Blog
  • About Us
  • Contact Us
  • Home
  • Blog
  • About Us
  • Contact Us
  • homeowners insurance
    Uncategorized

    The Importance of Liability Coverage in Homeowners Insurance

    August 11, 2025 /

    Homeowners insurance is often viewed primarily as a safeguard for your home’s physical structure and personal belongings. While protecting your property from fire, theft, and natural disasters is essential, there’s another equally important component that is sometimes overlooked—liability coverage. This coverage protects you financially if you are found legally responsible for injuries or property damage to others. What Is Liability Coverage? Liability coverage in a homeowners insurance policy helps cover costs if someone is injured on your property or if you accidentally cause damage to someone else’s property. For example, if a guest slips on your icy driveway and suffers a serious injury, you could be held liable for their…

    read more
    howardsteele 0 Comments

    You May Also Like

    homeowners insurance

    What is homeowners insurance, and should you get it?

    January 28, 2023
    homeowners insurance in bend oregon

    Get the right coverage: How to choose homeowners insurance in Bend Oregon

    May 1, 2023
    homeowners insurance

    How Does Homeowners Insurance Work?

    October 18, 2022
  • title insurance
    Homeowners Insurance

    7 Things Nobody Tells You About Homeowners Insurance In 2025

    July 28, 2025 /

    When buying a home, you often focus on mortgage rates, property taxes, and whether the mountain view is worth it. But what about homeowners’ insurance? Most see it as another box to check, yet there’s more to it—especially in Central Oregon. Here are seven things nobody tells you, but everyone should know. 1. Not Everything Is Covered—Read the Fine Print Many assume insurance covers all damage, but that’s rare. Standard policies often exclude floods, earthquakes, and mold. In Central Oregon, snowmelt and ice dams can cause water issues, so know what your policy doesn’t cover as well as what it does. 2. Market Value ≠ Replacement Cost Your home’s market…

    read more
    howardsteele 0 Comments

    You May Also Like

    Homeowners Insurance in Central Oregon

    Unveiling the Facts: Does Homeowners Insurance Extend to Rental Properties?

    October 26, 2023
    homeowners insurance

    Does homeowners insurance cover earthquake damage?

    January 18, 2024

    Is homeowners insurance tax deductible

    October 11, 2024
  • homeowners insurance in central oregon
    Homeowners Insurance

    How to Get Your Home Ready for Fire Season in Oregon: Homeowners Insurance Tips

    July 14, 2025 /

    Every summer, wildfire season brings anxiety to homeowners across Oregon. From the dry forests of Southern Oregon to the urban edges of Portland and Eugene, fire risks continue to rise each year. Preparing your home before fire season is not just about safety—it’s also about protecting your investment and making sure your homeowners insurance provides the coverage you need. Here are key steps you can take to prepare your home for Oregon’s fire season: 1. Create Defensible Space Around Your Home Wildfires spread quickly when they have fuel, and your landscaping could be the first thing that catches fire. A defensible space is a buffer you create between your home…

    read more
    howardsteele 0 Comments

    You May Also Like

    title insurance

    Understanding Homeowners Insurance in Bend Oregon

    May 29, 2024

    Does Homeowners Insurance Cover Sewer Lines?

    June 11, 2022
    homeowners insurance

    How to Lower Your Homeowners Insurance Premium Without Sacrificing Coverage

    June 4, 2025
  • title insurance
    Homeowners Insurance

    Understanding Bend Oregon Homeowners Insurance: What You Need to Know

    June 23, 2025 /

    Owning a home in Bend, Oregon, comes with many advantages—gorgeous mountain views, proximity to outdoor recreation, and a strong sense of community. But with homeownership also comes responsibility, and one of the most important aspects of protecting your investment is carrying the proper homeowner’s insurance policy. In this article, we’ll explore what makes Bend, Oregon, homeowners insurance unique, what to consider when choosing a policy, and tips to make sure you’re adequately covered. Why Homeowners Insurance Is Crucial in Bend, Oregon Bend is a beautiful and fast-growing city nestled in Central Oregon. However, like many areas in the Pacific Northwest, it faces its share of natural risks. Wildfires, winter storms,…

    read more
    howardsteele 0 Comments

    You May Also Like

    Why Every Homeowner Should Compare Homeowners Insurance Quotes

    July 18, 2023

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
    bend oregon homeowners insurance

    Understanding the Extent of Homeowners Insurance Coverage: Does It Include Protection for Septic Tanks?

    August 18, 2023
  • Homeowners Insurance

    Wildfire Season in Central Oregon: Is Your Homeowners Insurance Ready?

    June 16, 2025 /

    Wildfire season is a fact of life in Central Oregon. With dry summers, high desert winds, and an abundance of natural vegetation, the region faces an increased risk of wildfires every year. For homeowners, that means preparation is more than just clearing brush from your yard—it also means reviewing your homeowner’s insurance policy to ensure you’re financially protected in the event of a disaster. The Growing Risk of Wildfires Central Oregon has seen a noticeable increase in wildfire frequency and severity over the past decade. Areas near Bend, Sisters, La Pine, and Redmond are especially vulnerable during peak summer months. Even if your home isn’t directly in the forest, embers…

    read more
    howardsteele 0 Comments

    You May Also Like

    Tips for choosing the right homeowners insurance company in 2024

    December 6, 2023

    How many homeowners insurance policies do I need?

    March 18, 2024
    homeowners insurance

    Understanding Common Homeowners Insurance Terms: A Guide for Homeowners

    June 10, 2025
  • homeowners insurance
    Homeowners Insurance

    How to Lower Your Homeowners Insurance Premium Without Sacrificing Coverage

    June 4, 2025 /

    For many homeowners in Central Oregon, keeping monthly expenses in check is a top priority—especially when it comes to insurance. The good news is that you don’t have to sacrifice valuable protection to save a few bucks. With the right strategies, you can lower your Central Oregon homeowners insurance premium while still maintaining the coverage you need for peace of mind. Here are several proven ways to reduce your homeowner’s insurance costs without compromising the security of your home. 1. Shop Around and Compare Quotes One of the easiest ways to save money is to shop around. Rates can vary significantly between insurance providers, even for the same coverage. Take…

    read more
    howardsteele 0 Comments

    You May Also Like

    7 Things Not to Do to Get Cheaper Home Insurance

    March 29, 2023
    title insurance

    What the Right Homeowners Insurance Policy Should Cover

    May 14, 2025

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
  • homeowners insurance
    Homeowners Insurance,  Sunriver Oregon Homeowners Insurance

    Does homeowners insurance cover basement flooding?

    December 19, 2024 /

    Does homeowners insurance cover basement flooding? When protecting your home, homeowners insurance is a crucial safeguard. However, many homeowners need clarification about whether their policy covers basement flooding. The answer depends on the source of the water and the specific terms of your insurance policy. Here’s an in-depth look at what homeowners insurance typically covers and what it doesn’t when it comes to basement flooding. Covered Causes of Basement Flooding Standard homeowners insurance policies are a comforting shield, generally covering water damage that results from sudden and accidental events inside the home. For instance, if a pipe bursts in your basement and floods the area, your policy will likely cover…

    read more
    howardsteele 0 Comments

    You May Also Like

    bend oregon homeowners insurance

    Understanding the Extent of Homeowners Insurance Coverage: Does It Include Protection for Septic Tanks?

    August 18, 2023
    prineville oregon homeowners insurance

    Prineville Oregon Homeowners Insurance – Call (541) 318-8835 Or Click Here!

    September 23, 2022
    homeowners insurance

    Does Homeowners Insurance Cover Vacation Homes?

    August 20, 2024
  • Deschutes County Homeowners Insurance,  Homeowners Insurance,  Sunriver Oregon Homeowners Insurance

    Understanding Water Backup and Sump Overflow Coverage

    December 3, 2024 /

    Water damage is one of the most common and costly issues homeowners face. Among the various types of coverage available, water backup and sump overflow insurance are crucial protections that are often overlooked until it’s too late. This coverage explicitly addresses damages from water backups and overflows in your home. Here’s what you need to know. What Is Water Backup and Sump Overflow Coverage? Water backup and sump overflow coverage is optional to a standard homeowners insurance policy. It provides financial protection against damage caused by water backing up through drains, sewer lines, or a malfunctioning sump pump. Unlike flood insurance, which covers rising external waters from natural disasters like…

    read more
    howardsteele 0 Comments

    You May Also Like

    Deschutes County Homeowners Insurance

    Protect Your Home with Deschutes County Homeowners Insurance: A Complete Guide

    June 6, 2023

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
    homeowners insurance

    Does homeowners insurance cover valuables?

    January 9, 2025
  • title insurance
    Homeowners Insurance

    Understanding Homeowners Insurance: A Comprehensive Guide

    May 2, 2024 /

    Homeowners insurance is an important part of owning a home because homeownership is a significant milestone but comes with its share of responsibilities, including protecting your investment. A comprehensive homeowners insurance policy is one of the most crucial aspects of safeguarding your home. Understanding the ins and outs of homeowners insurance is essential to ensure you have the coverage you need when the unexpected occurs. What Does Homeowners Insurance Cover? Homeowners insurance typically covers four main areas: the structure of your home, personal belongings, liability protection, and additional living expenses. The structure coverage helps repair or rebuild your home if it’s damaged or destroyed by covered perils such as fire,…

    read more
    howardsteele 0 Comments

    You May Also Like

    homeowners

    How to save money on sunriver oregon homeowners insurance

    August 29, 2024

    Is homeowners insurance tax deductible

    October 11, 2024

    Understanding the Difference Between Homeowners Insurance and Renters Insurance

    May 27, 2025
  • homeowners
    Home Security

    7 things homeowners can do to protect their homes from criminals

    April 16, 2024 /

    Protecting your home from criminals is a top priority for any homeowner. Fortunately, there are several proactive steps you can take to enhance the security of your property and keep your loved ones safe. Here are the top things homeowners can do to protect their homes from criminals: Install a Home Security System: Investing in a comprehensive home security system is one of the most effective ways to deter criminals. These systems typically include alarms, motion sensors, surveillance cameras, and sometimes even remote monitoring capabilities. The visible presence of a security system can discourage burglars from targeting your home. Secure Doors and Windows: Ensure that all entry points to your…

    read more
    howardsteele 0 Comments

    You May Also Like

    homeowners insurance

    Tips for creating a safer home

    July 5, 2024
 Older Posts
Howard Steele - Owner
  • Home
  • Blog
  • About Us
  • Contact Us
Ashe Theme by WP Royal.