• 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

    redmond oregon homeowners insurance

    Why Home Insurance Costs So Much—and How to Pay Less

    March 21, 2023
    homeowners insurance

    What is homeowners insurance, and should you get it?

    January 28, 2023

    How much does homeowners insurance cost

    March 17, 2023
  • 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

    Does Homeowners Insurance Cover Vacation Homes?

    August 20, 2024

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
    homeowners insurance

    5 things that homeowners insurance does not cover

    October 1, 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

    redmond oregon homeowners insurance

    How the youngest buyers are shaping the housing market

    May 13, 2022

    Homeowners Insurance Deductible – What Does It Cover?

    March 15, 2025
    homeowners insurance

    From Coverage to Cost: A Comprehensive Guide to Homeowners Insurance Expenses

    October 13, 2023
  • 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

    homeowners insurance

    Homeowners insurance verification insights

    October 28, 2022

    Does Full Coverage Homeowners Insurance Cover Theft?

    October 14, 2022

    Why Every Homeowner Should Compare Homeowners Insurance Quotes

    July 18, 2023
  • 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

    homeowners insurance

    Does homeowners insurance cover valuables?

    January 9, 2025

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
    Deschutes County Homeowners Insurance

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

    June 6, 2023
  • 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 insurance

    Does homeowners insurance cover basement flooding?

    December 19, 2024
    How to Choose the Best Homeowners Insurance Policy in Central Oregon

    How to Choose the Best Homeowners Insurance Policy in Central Oregon

    April 7, 2025

    Loss of Use Coverage Explained

    August 26, 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
  • homeowners insurance
    Homeowners Insurance

    Save money when you bundle homeowners insurance with your car insurance policy

    March 29, 2024 /

    Bundling homeowners insurance with car insurance is a savvy financial move that offers numerous benefits to policyholders. This strategy involves purchasing both types of insurance from the same provider, often resulting in significant savings and added convenience. Understanding the importance of this bundling approach can help individuals make informed decisions about their insurance needs. One of the primary advantages of bundling home and auto insurance is the potential for substantial cost savings. Insurance companies frequently offer discounts to customers who purchase multiple policies from them. By bundling, policyholders can enjoy lower premiums on both their homeowners and auto insurance policies, ultimately reducing their overall insurance expenses. These savings can add…

    read more
    howardsteele 0 Comments

    You May Also Like

    first time home buyer

    The Importance of Homeowners Insurance in Redmond, Oregon

    May 10, 2024
    Redmond Oregon Homeowners Insurance

    Can you choose the wrong homeowners insurance coverage? Yes!

    May 30, 2022
    homeowners insurance

    Do I need homeowners insurance for my condo?

    February 29, 2024
  • Homeowners Insurance

    Securing Your Haven: Understanding Homeowners Insurance in Central Oregon

    March 12, 2024 /

    Searching for homeowners insurance in Central Oregon? If you, you’ve come to the right place! With its breathtaking landscapes and a vibrant community create the perfect backdrop for your dream home. As a homeowner in this picturesque region, it’s essential to safeguard your investment against unexpected events. Homeowners-insurance in Central Oregon offers the protection you need to enjoy your home worry-free. In this blog post, we’ll explore the key aspects of homeowners insurance specific to Central Oregon, ensuring you have the coverage necessary for peace of mind. Unique Risks in Central Oregon: Living in Central Oregon comes with its own set of challenges, from wildfire risks to winter storms. Understanding…

    read more
    howardsteele 0 Comments

    You May Also Like

    Understanding Homeowners Insurance in Central Oregon

    September 17, 2024
    homeowners insurance

    The Essential Guide to Homeowners Insurance in Oregon: Protecting Your Property and Peace of Mind

    August 10, 2023
    homeowners insurance

    How Does Homeowners Insurance Work?

    October 18, 2022
  • homeowners insurance
    Homeowners Insurance

    Does homeowners insurance cover earthquake damage?

    January 18, 2024 /

    In many standard homeowner’s insurance policies, earthquake damage is not covered. Earthquakes are considered a separate peril, and coverage for earthquake damage typically requires the purchase of a separate earthquake insurance policy or endorsement. If you live in an area prone to earthquakes, it’s essential to check with your insurance provider to understand your coverage options. Here are the common scenarios that you need to know: Standard Homeowner’s Insurance: Typically, standard homeowner’s insurance policies do not cover earthquake damage. If an earthquake occurs, any damage to your home, personal belongings, or additional structures on your property would not be covered under a standard policy. Earthquake Insurance: To obtain coverage for…

    read more
    howardsteele 0 Comments

    You May Also Like

    The Essential Guide to Homeowners Insurance: Protecting Your Investment

    July 24, 2023

    Tips to Make Sure Your Homeowners Insurance Covers Your Needs

    April 21, 2025
    Redmond Oregon Homeowners Insurance

    Homeowners Insurance Deductible – What Does It Cover?

    April 1, 2022
 Older Posts
Howard Steele - Owner
  • Home
  • Blog
  • About Us
  • Contact Us
Ashe Theme by WP Royal.