It’s not easy to own a home today. You work hard and save for that investment. But what if something were to happen to your greatest asset? Every year, Oregonians endure severe damage and even loss of their homes to fires, storms, and other unexpected events.
We always recommend buying a homeowner insurance policy for our clients in Gresham, Beaverton, and Portland. If the worst happens, you don’t have to use your savings or other assets to cover the loss or worse, wind up without a home.
Enjoy peace of mind with homeowner coverage
You will appreciate the peace of mind that comes with a good homeowner policy. Your dwelling is covered, as well as all your personal belongings in the home’s interior. You don’t have to worry about your appliances, electronics, furnishings, clothing, and other personal items. These are also covered in case of vandalism or theft.
What Else Does a Homeowner Insurance Policy Cover?
You also receive liability and alternative living expenses coverage
These days, you can’t be too careful, which is why a homeowner insurance policy will also provide liability coverage for you. If someone is injured on your property and wins damages against you in court, you don’t have to pay this yourself.
If you would like more coverage than a typical homeowner policy provides, you can add a personal umbrella policy up to a million dollars or more. This makes sense for most folks, but especially for dog owners or high-net-worth individuals.
What if your home becomes uninhabitable at the time you file a claim? Alternative living expenses, also known as loss of use coverage, will reimburse you for the cost of living elsewhere while you repair or reconstruct your home.
Do You Have Valuables that Need Special Coverage?
Protect high-value items with scheduled coverage
Home insurance policies typically have a cap on coverage for high-value items. No worries, you can add extra coverage for these items for a nominal additional charge:
Let Us Customize a Homeowner Insurance Policy Just for You
Independent agents offer more personalized service
At Chamberlain Insurance Agency, our independent agents have a larger menu of homeowner insurance products than you get with large companies. This allows us to tailor a policy that’s uniquely for your household. And you’ll enjoy unparalleled personalized service in the process.
Don’t leave your home vulnerable with lack of insurance coverage. Call us at 503-256-1448 today to discuss your home insurance needs. We can help you decide how much coverage is appropriate and get a policy started right away. Feel free to reach out online too for a fast quote or questions about coverage.