• Home
  • Blog
  • About Us
  • Contact Us
  • Home
  • Blog
  • About Us
  • Contact Us
  • Homeowners Insurance

    Loss of Use Coverage Explained

    August 26, 2025 /

    When unexpected events strike your home, the damage can disrupt more than just the property’s structure. If a fire, storm, or another covered peril leaves your house uninhabitable, you may need temporary housing and additional funds to maintain your standard of living. This is where Loss of Use coverage, also known as Additional Living Expenses (ALE), comes in. Understanding this type of protection is essential for every homeowner evaluating homeowners’ insurance policies in Bend, Oregon, or central Oregon. What is Loss of Use Coverage? Loss of Use coverage is typically included in most standard homeowners’ insurance policies. It helps cover expenses incurred when your home is deemed unlivable due to…

    read more
    howardsteele 0 Comments

    You May Also Like

    homeowners insurance

    Does homeowners insurance cover valuables?

    January 9, 2025

    The Essential Guide to Homeowners Insurance: Protecting Your Investment

    July 24, 2023
    homeowners insurance

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

    March 29, 2024
  • homeowners insurance quote
    Homeowners Insurance

    What Information Do You Need for a Homeowners Insurance Quote?

    August 18, 2025 /

    When shopping for homeowners’ insurance, it’s essential to be prepared with the right information to obtain an accurate quote. Insurance companies use specific details about your property and personal situation to calculate risk and determine the cost of your premium. Here’s a breakdown of the information you’ll typically need to provide when requesting a homeowners insurance quote. Personal Information Start with your name, date of birth, contact information, and Social Security number. Insurers also ask about your insurance history, including any past claims. This helps them understand your risk profile and verify eligibility for certain discounts. Property Details The bulk of the quote depends on your home itself. Be ready…

    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

    How Homeowners Insurance Protects You While on Vacation

    June 30, 2025
    Central Oregon Homeowners Insurance

    What does homeowners insurance cover?

    March 25, 2022
  • 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 Redmond Oregon

    3 Ways Homeowners in Bend, Oregon, Can Lower Their Home Insurance Costs Right Now

    October 18, 2024

    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

    credit score

    The 8 types of homeowners insurance

    July 16, 2022
    Redmond Oregon Homeowners Insurance

    What to look for in a Redmond Oregon homeowners insurance company

    August 16, 2024
    prineville oregon homeowners insurance

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

    September 23, 2022
  • homeowners insurance
    Homeowners Insurance

    How to Make Sure Your Homeowners Insurance Policy Covers Your Needs

    July 21, 2025 /

    Protecting your Central Oregon home starts with the right homeowners’ insurance. Whether you’re new to the area or have lived here for years, understanding your policy can prevent costly surprises. Here’s how to ensure your Bend, Oregon, homeowners’ insurance meets your needs. 1. Evaluate Your Home’s Replacement Cost The most important factor in choosing the right coverage is knowing how much it would cost to rebuild your home from the ground up in the event of a total loss. This is referred to as the replacement cost, which often differs from your home’s market value. In Bend, Oregon, construction costs have been on the rise, and many homes are built…

    read more
    howardsteele 0 Comments

    You May Also Like

    How to Save Money on Homeowners Insurance

    November 16, 2022

    Understanding Homeowners Insurance in Central Oregon

    September 17, 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
  • 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

    Tips for Lowering Your Homeowners Insurance Costs Without Sacrificing Coverage

    June 27, 2024
    homeowners insurance

    Does homeowners insurance cover valuables?

    January 9, 2025

    9 Surprising Things Your Home Insurance May Cover

    June 25, 2022
  • Homeowners Insurance

    How to Ensure Your Golf Cart Is Covered by Your Homeowners Insurance Policy

    July 7, 2025 /

    If you own a golf cart, it’s essential to understand how it’s covered under your insurance policies, especially if you’re storing or using it at your primary residence. Many golf cart owners assume their homeowners’ insurance automatically includes protection for their cart, but this isn’t always the case. Without proper coverage, damage, theft, or liability related to your golf cart could cost you thousands out of pocket. Here’s what you need to know to ensure your golf cart is fully protected. Understand the Limits of Homeowners Insurance Standard homeowners’ insurance policies typically offer limited coverage for personal vehicles, such as golf carts. In many cases, coverage only applies when the…

    read more
    howardsteele 0 Comments

    You May Also Like

    title insurance

    What the Right Homeowners Insurance Policy Should Cover

    May 14, 2025
    How to Choose the Best Homeowners Insurance Policy in Central Oregon

    Everything You Need to Know: Unveiling the Extensive Coverage of Homeowners Insurance Policies

    August 29, 2023
    homeowners insurance in bend oregon

    Solved! How Much Homeowners Insurance Do I Need?

    March 2, 2022
  • homeowners insurance
    Homeowners Insurance

    How Homeowners Insurance Protects You While on Vacation

    June 30, 2025 /

    Taking a vacation should be a time to relax and not worry about what’s happening back home. Fortunately, with the right Central Oregon homeowners insurance, you can enjoy your trip knowing your home is protected, even when you’re miles away. Theft and Vandalism Protection One of the top concerns for homeowners on vacation is burglary. Empty homes can be tempting targets, especially if there are visible signs you’re away. A quality homeowners insurance policy typically covers theft and vandalism, ensuring that if someone breaks into your home and steals or damages your belongings, you can file a claim and receive compensation for repairs or replacements. Fire and Weather Damage Coverage…

    read more
    howardsteele 0 Comments

    You May Also Like

    homeowners insurance

    Does homeowners insurance cover basement flooding?

    December 19, 2024
    Redmond Oregon Homeowners Insurance

    What to look for in a Redmond Oregon homeowners insurance company

    August 16, 2024
    homeowners insurance in bend oregon

    10 Simple Ways to Lower Your Homeowners Insurance Premiums

    April 4, 2023
  • 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

    homeowners insurance

    Homeowners insurance verification insights

    October 28, 2022
    homeowners insurance

    Seven ways to save money on homeowners insurance

    May 21, 2024

    Does Homeowners Insurance Cover Sewer Lines?

    December 11, 2024
  • 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

    title insurance

    Understanding Homeowners Insurance: A Comprehensive Guide

    May 2, 2024
    title insurance

    Understanding Bend Oregon Homeowners Insurance: What You Need to Know

    June 23, 2025
    homeowners insurance quote

    What Information Do You Need for a Homeowners Insurance Quote?

    August 18, 2025
 Older Posts
Howard Steele - Owner
  • Home
  • Blog
  • About Us
  • Contact Us
Ashe Theme by WP Royal.