Auto

What company and coverages are right for me?

Advantages vary from company to company, and some require the purchase of certain coverages. We’ll review your options with you to find the company and coverages that are the right fit for your protection needs. Contact us below to submit a proposal request.

Click here to access our secure quote form and we will contact you.

For some people, a car expresses the essence of their being. To others, it’s an object to get from point A to point B. We offer a variety of coverages and companies to choose from, based on your specific needs.

Depending on the company you choose, you can get discounts for:

  • Being a Good Driver
  • Being a Good Student
  • Driving a Safe Car
  • Bundling your Home/Renter’s Insurance Policy

Other advantages you could enjoy:

  • Free Windshield Repair
  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Payment Options

FAQ

Most frequent questions and answers

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

It depends on your specific situation.

Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you’ll get from an auto insurance policy. In that case, a personal umbrella can provide the extra liability protection you need.

Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that’s worth only $1,000. But if the car is worth $10,000, you probably want this coverage.

Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.

Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that many states require certain minimum levels of coverage. We’d be happy to talk with you about these and other factors.

Insurance companies often use consumer credit information in determining if they will offer a consumer automobile or homeowners’ insurance policy and how much that policy will cost. A credit-based insurance score is a rating based in whole or in part on a consumer’s credit information. Credit-based insurance scores use certain elements of a person’s credit history to predict how likely they are to have an insurance loss. Credit-based insurance scores were introduced by the Fair Isaac Corporation (FICO) in the early 1990s. FICO estimates approximately 95% of auto insurers and 85% of homeowners’ insurers use credit-based insurance scores in states where it is a legally allowed underwriting or risk classification factor.

https://www.oregonlaws.org/ors/746.661

https://legiscan.com/OR/text/SB486/2011
Oregon SB 486 (through Leg Sess 2011)

http://www.naic.org/cipr_topics/topic_credit_based_insurance_score.htm

  • The Oregon Driver and Motor Vehicles division of ODOT is where you go to get a driver license, ID card, register your vehicle, and much much more.
  • Kelley Blue Book provides free values and pricing on new and used cars. New car pricing includes invoice, MSRP, and New Car Blue Book Values.
  • Research the latest new car prices, deals, used car values, specs and more. NADA Guides is the leader in accurate vehicle pricing and vehicle information.
  • The Insurance Information Institute. Since 1960, the “Triple I” has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media.
  • The Highway Loss Data Institute (HLDI) shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model.

  • The Insurance Institute for Highway Safety (IIHS) is an independent, nonprofit scientific and educational organization dedicated to reducing the losses — deaths, injuries, and property damage — from motor vehicle crashes.

    The Highway Loss Data Institute (HLDI) shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model.

    Both organizations are wholly supported by these auto insurers and insurance associations.

  • Official WA State Licensing (DOL) website: licensing and regulating drivers, vehicle and boats, and over 30 types of professions and businesses.

How Much Insurance is Enough – Auto

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you’ll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.

Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that’s worth only $1,000. But if the car is worth $10,000, you probably want this coverage.

Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that many states require certain minimum levels of coverage. We’d be happy to talk with you about these and other factors.

There are a number of factors to consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance.

  1. Base your decision on value. This is more than simply the lowest price. The premium you pay should be compared to the claims and policy service, protection and advice you receive. Independent agents, and the companies we represent, deliver excellent value.
  2. Purchase the amount of liability coverage that makes sense to you.
  3. You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
  4. Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance from.

There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is ask us to get quotes from several companies for you.

It is not uncommon to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage.

Another way to lower the cost of your automobile insurance is to look for any discounts for which you may qualify. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask us about their discount plans.

Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent.

Whenever you knowingly loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy, subject to any driver exclusions on your policy.

Umbrella

At one time, most Personal Umbrella policies were purchased by people with significant assets. But, with monetary damage awards from lawsuits continuing to increase, an umbrella makes sense for nearly everyone. By making additional funds available above the limits already present in your home, auto, and boat policies, an umbrella provides additional protection for your assets. Umbrella insurance protects you and any household family member against almost any personal lawsuit.

LEGAL FEES

With an umbrella policy, your legal fees are usually covered, saving you thousands of dollars in out-of-pocket expenses.

WORLDWIDE COVERAGE

Unlike your home and auto policies that usually apply only in the United States, a typical umbrella policy follows you around the globe. If you injure someone in Japan or accidentally destroy property in Greece, you’ve got coverage.

REASONABLE RATES

Umbrella coverage is surprisingly inexpensive. Contact us to find how little this valuable coverage would cost you.

UMBRELLA INSURANCE QUOTE REQUEST FORM

Click here to access our secure quote form and we will contact you.

LET’S MAKE IT SIMPLE

Click here: Umbrella Special Report

FAQ

Most frequent questions and answers

Home Warranty

A home warranty is a service contract that covers the repair or replacement of important home system components and appliances that break down due to normal wear and tear over time. To quote, you only need five rating variables: state, home size, home type, service fee and additional add-ons.

Benefits include:

Home Warranty

Four different Home Warranty plans are available:
  • Appliances
  • Systems Components
  • Combo (combines appliances and systems plans)
  • Build Your Own (select specific appliances and/or systems)

A customer may add on optional coverages for an additional fee. The customer does not pay for the actual repair or replacement cost for items covered by the Home Warranty. The contract will cover repair or replacements of covered items, regardless of age, make or model.

Covered Appliances
  • Refrigerator
  • Ranges/ovens/cooktops
  • Clothes washers
  • Clothes dryers
  • Dishwashers
  • Built-in microwaves ovens
  • Trash compactors
  • Free-standing ice makers
  • Garage door openers
  • Built-in food centers
Covered Systems Components
  • Air conditioning with ductwork
  • Heating with ductwork
  • Electrical
  • Doorbells
  • Smoke detectors
  • Ceiling fans
  • Plumbing including stoppages
  • Water heaters
  • Garbage Disposals
  • Instant hot/cold water dispensers
  • Central vacuums
Optional Coverages
  • Pool only
  • Inground spa only
  • Pool/inground spa
  • Additional spa
  • Well pump
  • Septic pump & septic sewage ejector pump (only available in the first year of contract)

See a sample home warranty contract from AHS for details about the coverage, including exclusions, restrictions, and limitations.

Agent Application 

FAQ

Most frequent questions and answers

Life

Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance provides tax-free money to your named beneficiary(s) that can be used to pay for funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind. The amount of life insurance you select should be dependent on your personal and financial needs. We can assist you in determining an appropriate coverage amount and help you decide which term life policy is right for you.

YOU SHOULD CONSIDER LIFE INSURANCE IF YOU HAVE ANY OF THE FOLLOWING:

  • A spouse
  • Dependent children
  • Mortgage
  • An estate
  • Own a business
  • Aging parents or a physically-challenged relative who depends on you for support
  • Retirement savings that are not sufficient to ensure your spouse’s future financial well being

TERM LIFE INSURANCE

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent life insurance and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 20-year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

LIFE CHANGES

As events happen in your life, your life insurance coverage may need to change to adapt to your current needs. Some life changes that may require you to reevaluate your coverages include marriage, divorce, a new baby, purchase of a new home and retirement.

FAQ

Most frequent questions and answers

How Much Insurance is Enough – Life

Life insurance is a crucial step in planning for your future. Not only can life insurance fulfill promises made to your family if you are no longer around, there are several life insurance policies that provide benefits while you are living.

Determining Your Need

The need for life insurance is dependent on your own personal and financial needs. We can assist you in determining what type and amount of life insurance is appropriate for you. Generally, you should consider life insurance if:

  • You have a spouse
  • You have dependent children
  • You have an aging parent or a physically challenged relative who depends on you for support
  • Your retirement savings are not enough to insure your spouse’s future against a rising cost of living
  • You have a sizable estate
  • You own a business

There are benefits of life insurance other than providing for your loved ones in case something happens to you:

The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.
The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.
Life insurance can be used to cover funeral expenses and pay estate taxes — consult your tax advisor agent for more information.

Life Changes – So Should Your Policy

Your need for life insurance is dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change as well to adapt to your current needs. Some life changes that may require a policy “tune-up” include:

  • You recently married or divorced
  • You have a new child or grandchild
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance

Life Happens, formerly the LIFE Foundation is a non-profit organization designed to address the public’s growing need for information and education on life, health, and disability insurance. LIFE also seeks to remind people of the important role agents perform in helping families, businesses, and individuals find the insurance products that best fit their needs.

 

 

 

 

That’s great, and it’s wonderful that you are fortunate enough to have an employer that recognizes the value of life insurance coverage for you and your family. Be sure to find out from your employer if this coverage is ‘portable’, meaning you can take your policy with you when you leave the company or become disabled. Not all policies are portable. When talking to your insurance professional, be sure that he or she knows you have this type of coverage so that can be factored into any determination of your additional needs.

As a “rule of thumb,” you should purchase an amount of life insurance equal to 6 to 8 times the annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed. Important Factors include:

  1. Income sources (and amounts) other than salary/earnings
  2. Whether or not the individual is married and if so, the spouse’s earning capacity
  3. The number of individuals who are financially dependent on the insured
  4. The amount of death benefits payable from Social Security and from an employer-sponsored life insurance plan
  5. Whether any special life insurance needs exist (e.g. mortgage repayment, education fund, estate planning need) etc.

It is recommended that a person’s financial professional be contacted for a precise calculation of how much life insurance is needed.

The answer will vary depending on your circumstances, need for the coverage, timing of the purchase and how much you are willing or able to spend. The best way to determine the right policy is to sit down with a qualified insurance professional to review the key points of your particular situation. This can be done in a very short (30 minutes or less) interview to determine your needs.

Your priority is to provide for your family. This should be your priority when considering life insurance as well.

You must have the means to take care of your financial obligations, as well as providing care for your children should your homemaker-spouse die. The opportune time to buy life insurance for your children is when they are young and the rates are low. This enables them to continue the coverage when they are grown with financial obligations of their own. This also protects their “insurability”, should they develop any sort of health problem later in life. There are many types of policies that can be made into “family plans” at a lower cost than separate coverages for each individual. Talk to your insurance professional to determine your needs.

Most likely your mortgage company is offering something called “mortgage protection life insurance” or “decreasing mortgage protection” or a similar title. This sort of protection is a basic term life insurance policy that usually has a level premium, but the death benefit pays off your mortgage loan at your death. This level premium may or may not reflect the decreasing death benefit. What that means is that you will be paying the same premium each year for a death benefit that is decreasing over time (as your mortgage decreases with payments). This is the case with any sort of “credit life insurance”, insurance taken out in conjunction with an installment loan. There may be better alternatives. You should talk to your insurance professional before purchasing any type of coverage to see what other alternatives are available.

Motorcycle

Before You Get Your Motor Running, Get a Motorcycle Insurance proposal from us!

We are happy to represent several Insurance Companies with an appetite for Motorcycles.

FAQ

Most frequent questions and answers

Pet

Pet insurance is designed to help with vet bills so that cost is less of a constraint on treatment options and regular preventative care for your pet.

Accidents & injuries

Our accidents and injuries coverage includes treatment for swallowed objects, broken bones, toxic ingestions, cuts, burns, and more.

Illnesses

Our illness coverage includes treatment for serious conditions, like diabetes and cancer, to minor conditions, like upset stomach and ear infections.

Advanced Care

Our Advanced Care includes coverage for hereditary and congenital conditions, alternative therapies, and behavioral care.

Preventative Care

For a little more each month, add coverage to get money back for your pet’s wellness exam, core vaccines, spaying or neutering, and more.

FAQ

Most frequent questions and answers

Watercraft

Watercraft

FAQ

Most frequent questions and answers

Watercraft

Flood

Flood

FAQ

Most frequent questions and answers

National Flood Insurance Program (NFIP) flood insurance rates do not differ from company to company or agent to agent. All policy premiums include certain fees and surcharges, so ask your agent about these when discussing a price quote.

The amount you pay for your policy is calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • Location of its contents
  • Flood risk (e.g., its flood zone)
  • Location of the lowest floor in relation to the Base Flood Elevation on the flood map
  • Deductible and amount of building and contents coverage

The NFIP’s Preferred Risk Policy (PRP) offers lower-cost protection for homes and apartments in areas of low to moderate flood risk. These areas of moderate or minimal flood hazards are shown as B, C, X on a Flood Insurance Rate Map (FIRM)., AR, and A99 zones on a FIRM designate areas behind a levee currently under construction or repair. Though the risk of flooding is higher in AR and A99 zones, Congress authorizes FEMA to provide the PRP to property owners in these areas in anticipation of the reduced risk of the levee project.

Includes a wealth of information on how to insure homes against flooding. This site is the official web page for the Federal Emergency Management Agency.

Earthquake

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowner’s insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake loss. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick. In the past, earthquake loss was assessed using a collection of mass inventory data and was based mostly on experts’ opinions. Today it is estimated using a Damage Ratio (DR), a ratio of the earthquake damage money amount to the total value of a building.[1] Another method is the use of HAZUS, a computerized procedure for loss estimation. As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area. If one company has written insurance policies on a large number of homes in a particular city, then a devastating earthquake will quickly drain all the company’s resources. Insurance companies devote much study and effort to risk management to avoid such cases.

FAQ

Most frequent questions and answers

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage.

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage.

Your homeowner’s insurance does not cover earthquake damage (except fire – California law says that both homeowners renters insurance must cover fire damage that is caused by or follows an earthquake. This means that the fire damage is covered, whether or not you have earthquake insurance).

Premiums for earthquake insurance range from $800 to $5,000 annually, and deductibles are typically 15 percent of the total value of the home. California houses aren’t cheap –- the current median sale price is just under $400,000 and is higher in many of the counties most at risk.

Home

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which, of several companies, we represent, will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

Depending on the company you choose, you can get discounts for:

  • Being claim free in the past
  • Having a newer home
  • Having a burglar alarm
  • Insuring your vehicles with the same company

Other advantages you could enjoy include:

  • Repair Guarantees
  • 24-Hour Claims Hotline
  • Flexible billing -including coordinating with your mortgage company
  • Living expense if your home becomes uninhabitable due to a claim

FAQ

Most frequent questions and answers

The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one. This is an important insight into why your Dwelling (Coverage A) limit is so important.

Deciding How Much Insurance is Enough

We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.

It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy. Ask us if Home Replacement Guarantee or Extended Dwelling Coverage, is available in your state.

Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements.

Be Sure You Have Enough Insurance

Here are some steps you can take to reduce the danger of being seriously underinsured:

Call us. If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.

Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact your agent and ask for an explanation.

At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.

Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?

Find out whether your insurance company will stand behind agreed upon repairs after a claim. Some companies are willing to put this guarantee in writing.

Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.

If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.

Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70{56ebb268ba9d0f44c9c61ccc47dfdb3bfb20ab091b19a7d4efaebd6209f9dbc0} of the coverage limit for the structure. Your limit may be lower than 70{56ebb268ba9d0f44c9c61ccc47dfdb3bfb20ab091b19a7d4efaebd6209f9dbc0}. Supplemental protection is available for a small additional premium.

Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.

Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible. In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.

The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.