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What every new homeowner needs to know about home insurance

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Buying a new home is quite an accomplishment, and it can also cause quite a lot of stress. Most new homeowners have very little experience with home insurance, how to choose it, and what to look for.  H & R Insurance Group LLC in Portland, OR, we are independent insurance agents, and we work for our clients, not for one insurance carrier which allows you more choices and the best prices. 

More than one type of content coverage is available

Your personal belongings are covered with content insurance. This includes all the things you own in your home that are moveable such as clothing, furniture, jewelry, and electronics. You have two options for overage, you can choose current value or replacement cost. The current value may be a lot less than it would cost to replace the item. 

You have to maintain your home

If you don’t maintain your home, your home insurance won’t cover the damage. This includes things like termites. If you don’t get treatment for termites, you won’t be covered. It also includes things like a leaky roof. If it is a roof that needs replacing, damage to the interior of your home won’t be covered. Normal wear and tear is also not covered. 

Some coverage has limits, you may want to add more

Jewelry, cash, antiques, and art all have limits on the amount they will cover. If these are things that you own, read your policy carefully to find out what the limits are. You can then add an endorsement to give you the additional coverage that you need. 

Schedule A Consultation Today

If you are a resident of Portland, OR or the surrounding area, you can count on our team at H & R Insurance Group LLC to provide the personalized service you require. Give us a call for a no-obligation quote. 

What optional auto coverage is right for you?

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When you are getting your auto insurance, there are some required coverages you need to carry and others that are optional. In Portland, OR, H & R Insurance Group LLC has a team of agents dedicated to providing the highest level of customer service. We are independent agents who work for our customers, not for an insurance company.

The required auto coverage in Oregon is 25/50/20. This is strictly liability coverage. It is $25,000 for one person injured in an accident you are responsible for, $50,0000 for all the injuries in the accident, and $20,000 for property damage. This protects other drivers from you but doesn’t do much for you. If you lease a vehicle or have a car loan in which case you will need to cover the vehicle as well. 

Auto Insurance Add-ons

Collision

Collison covers your vehicle in an accident where you are responsible, whether it is a two-car accident, a one-car accident, or a hit-and-run. There will be a deductible, but the vehicle should be repaired or replaced. 

Comprehensive 

Comprehensive coverage is non-collision coverage. It includes all kinds of other things that damage your vehicle. Flooding, high winds, hail, vandalism, and even theft are all covered. It also offers glass coverage. Comprehensive coverage also has a deductible.

Total glass

Total glass coverage replaces your windshield or other glass with no deductible.

Gap coverage

If you have a new vehicle, it might be a good idea to have this coverage which will pay the difference between what the insurance company pays you for your vehicle and what you own on your auto loan. You don’t want to end up in the red. 

Consult With Us

Call H & R Insurance Group LLC  if you live in or near Portland, OR. We can provide the level of service and the options that you require.

Should all people get commercial insurance for a Portland business?

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Being a business owner in the Portland, OR area has been a good idea for many people who want to be their own boss. When you choose to open a business in this area of Oregon, you will enjoy the significant population and support for local businesses. While you can be successful as a business owner here, there are various risks that you will take on. One way that you can mitigate these risks is by getting a commercial insurance policy.

You should obtain this coverage here for various reasons:

Ensure Assets are Covered

When you are going to own any type of business, you will have assets that you will rely on to run the company. If the assets are damaged by a fire, stolen, or you incur other forms of a loss, it can be very detrimental to your business’s future. Fortunately, you can mitigate many of these risks by getting a commercial insurance policy that will provide support so you can replace or repair these assets. 

Offset Liability Risks

Mitigating your commercial liability risk can also be done with commercial coverage. If you are going to run a business, you will take on liability risks regularly. A great way that you can offset this concern is by getting a commercial insurance plan that has a full liability policy. 

Schedule A Consultation Today!

As you are looking to grow your business in the Portland, OR area, you will quickly find that having a commercial insurance plan is necessary. When you are considering your commercial insurance options, it could be a great idea to call our team with H & R Insurance Group LLC. Our professionals at H & R Insurance Group LLC know the importance of this coverage and will give support to help you build a plan. 

Why do people need to have home insurance?

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Owning real estate has continued to be beneficial for individuals residing in the Portland, OR area. If you are going to buy a home in this region, you will always want to know that you are properly insured and protecting your property. For all people, this will mean getting a full home insurance plan.

There are various reasons people here need to carry this coverage for their homes. 

Protect Assets

An important reason to always have a home insurance plan in place for your property is to cover your assets. All people in this part of Oregon need to have home insurance to ensure they have support if repairing or rebuilding a property is necessary following a fire or storm. Your home insurance plan can also give coverage for any personal belongings you own, up to limits set by your plan. 

Reduce Liability Risks

It is also a good idea to get a home insurance plan so you can reduce your liability risks. Property owners will always have some personal liability risks, and many of these risks would be covered by a home insurance plan. This can offer great financial protection and some peace of mind. 

We Can Help!

When you are going to buy a home in the Portland, OR area, you absolutely need to have the right insurance for it. You may find that selecting an ideal plan is confusing and time-consuming as there are a lot of options and factors to consider. A way you can be assured that you choose a quality plan is by calling our team with H & R Insurance Group LLC. Our team of professionals at H & R Insurance Group LLC can help you obtain the support needed to build a quality plan that will protect your property. 

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