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  • 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…

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    howardsteele 0 Comments

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    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…

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    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,…

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    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…

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    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…

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    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…

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    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,…

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    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…

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    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…

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    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…

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