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    Homeowners Insurance

    What the Right Homeowners Insurance Policy Should Cover

    May 14, 2025 /

    As wildfire season grows longer and more intense across much of the western U.S., homeowners face increasing risks. It’s no longer just affected rural properties—suburban and even urban homes near wildland areas are vulnerable. Preparing your home is one thing, but ensuring your homeowners insurance policy protects you is just as crucial. Here’s how the right policy can offer peace of mind—and where gaps often catch homeowners off guard. What the Right Policy Should Cover At its core, a standard homeowners insurance policy (HO-3 or equivalent) usually includes fire and smoke damage coverage. This typically extends to: The dwelling itself (your home’s structure) Detached structures (like garages, sheds, or fences)…

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    Golf Cart,  homeowners insurance in central oregon

    Is Your Golf Cart Covered by Homeowners Insurance? Here’s How to Make Sure

    May 6, 2025 /

    Golf carts are no longer just for the course—they’re increasingly used in gated communities, retirement neighborhoods, and even private properties as convenient, low-speed vehicles. However, while they may seem like small, simple machines, golf carts can pose significant liability and property damage risks. That’s why it’s essential to ensure your golf cart is insured correctly, and that your homeowners insurance policy offers the protection you need. Understanding the Basics Homeowners insurance policies typically provide some personal property and liability coverage, but that doesn’t automatically mean your golf cart is included. In most cases, golf carts are considered motor vehicles, and like ATVs or scooters, they may require separate or additional…

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  • Homeowners Insurance

    Tips to Make Sure Your Homeowners Insurance Covers Your Needs

    April 21, 2025 /

    Homeowners insurance is one of the most important protections you can have for your property—but not all policies are created equal. Too often, homeowners only realize the gaps in their coverage when it’s too late. Whether you’re a first-time homeowner or revisiting your existing policy, here are some essential tips to ensure your home insurance meets your needs. 1. Understand What’s Covered Most standard homeowners insurance policies cover the structure of your home, personal belongings, liability protection, and additional living expenses if you’re temporarily displaced. However, within those broad categories, there are limitations. For example, expensive jewelry, fine art, or electronics might not be fully covered unless you’ve added a…

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    Homeowners Insurance

    What Information Do You Need for a Homeowners Insurance Quote?

    April 16, 2025 /

    Getting a homeowners insurance quote is essential in protecting your property and assets. Still, you’ll need to provide a range of information to get an accurate and comprehensive quote. Insurance companies use these details to assess risk, estimate replacement costs, and determine your premium. Here’s a breakdown of the key information you must gather before requesting a quote. 1. Basic Personal Information Start with the basics: Name Date of birth Marital status Contact information (phone and email) Social Security number (sometimes requested for credit-based insurance scores) This information helps the insurer verify your identity and assess your insurance history. 2. Property Address and Type You’ll need to provide the full…

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    Why Homeowners Insurance Is Essential for New Homeowners

    April 1, 2025 /

    Home purchasing is one of the most significant financial investments a person can make. As a new homeowner, protecting that investment should be a top priority; homeowners insurance is the key to doing just that. Here are some crucial reasons why homeowners insurance is essential for new homeowners: 1. Protects Against Property Damage Homes are vulnerable to various risks, including fires, storms, vandalism, and even natural disasters like hurricanes or earthquakes (depending on location). Homeowners insurance covers repairing or rebuilding a home in the event of damage, ensuring that a homeowner does not face severe financial loss. 2. Covers Personal Belongings Beyond the structure itself, homeowners insurance protects personal belongings…

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    Homeowners Insurance vs. Home Warranty: Understanding the Differences

    March 25, 2025 /

    Protecting a home’s investment is a top priority for homeowners. Homeowners insurance and a home warranty are two essential tools in safeguarding a home. While both provide financial protection, they serve different purposes and cover various aspects of homeownership. Understanding these differences can help homeowners make informed decisions about their coverage needs. What Is Homeowners Insurance? Homeowners-insurance protects a home and its contents from unexpected damages, theft, or liability issues. Mortgage lenders typically require it, and it is essential for financial protection in disasters. What Does Homeowners Insurance Cover? A standard homeowners-insurance policy covers: Dwelling Protection – Covers damages to the home’s structure caused by hazards like fires, storms, or…

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    7 Things Nobody Tells You About Homeowners Insurance

    March 18, 2025 /

    When you buy a home, one of the first things you’ll need is homeowners insurance. You’ll probably hear the basics—what it covers, how much it costs, and why your lender requires it. But beyond the brochures and quotes, there’s a lot more to know. Some things only become obvious after you’ve filed a claim or had your policy for years. Here are seven things nobody tells you about homeowners insurance but definitely should: 1. Your Policy Probably Doesn’t Cover Everything You Assume It Does Many homeowners are surprised to find out their standard policy excludes certain disasters. For instance, floods and earthquakes are almost always excluded. If you live in…

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    Homeowners Insurance Deductible – What Does It Cover?

    March 15, 2025 /

    Understanding your home insurance deductible can help you decide how best to protect what may be the most expensive purchase you ever make. Unfortunately, it’s not always easy to understand your policy’s fine print. Keep reading to learn how a homeowners deductible works, how it affects your premium, and how much of a deductible you may need. What Is a Home Insurance Deductible? Simply put, a home insurance deductible is the amount that a homeowner must pay before their insurance steps in to cover the remaining expenses on a claim. The deductible is expressed as a fixed dollar amount – usually $500 to $2,000, but it can be higher –…

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    Title Insurance

    Can I Buy Title Insurance After Closing?

    February 20, 2025 /

    When purchasing a home, title insurance is often recommended or required to protect against potential ownership disputes, liens, or claims against the property. However, what happens if you don’t purchase title insurance at closing? Can you still get it afterward? The short answer is yes, but there are essential considerations to remember. Understanding Title Insurance Title-insurance protects homeowners and lenders from financial losses related to title defects, such as fraud, undisclosed heirs, unpaid liens, or recording errors. There are two types of these insurance policies: Lender’s Title-Insurance: Most mortgage lenders require this policy to protect the lender’s interest in the property. Owner’s Title Ins: This optional policy protects the homeowner’s…

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  • How to Choose the Best Homeowners Insurance Policy in Central Oregon
    Equipment Breakdown Coverage

    What is equipment breakdown coverage? How does that work?

    February 6, 2025 /

    What is equipment breakdown coverage? Homeowners insurance protects your home and belongings against unexpected events like fire, theft, and natural disasters. However, standard policies often do not cover household appliances’ and home systems’ mechanical or electrical failures. This is where Equipment Breakdown Coverage (EBC) comes in. What Is Equipment Breakdown Coverage? Equipment Breakdown Coverage is an optional add-on (endorsement) to homeowners insurance that covers sudden and accidental mechanical, electrical, and pressure system failures of appliances and home systems. It helps homeowners repair or replace essential equipment that stops working due to internal malfunctions rather than external perils like fire or water damage. Unlike a home warranty, which typically covers wear…

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