Home Insurance in Oregon

How much has it cost you to own your Oregon home? A lot, right? Then, shouldn’t you do everything in your power to safeguard your investment? We think so. And folks, that’s where home insurance comes in. While locking your doors, putting perimeter walls, and installing security surveillance systems are superb in protecting your home, these measures can only prevent a handful of perils. For this reason, you need home insurance from Einstein Insurance in Portland, OR for maximum protection.

Home insurance coverages

Home insurance is broad – it contains several coverages, making it customizable to suit different needs. Here are some home insurance coverages to consider:

Dwelling coverage

As the name suggests, this coverage protects your building structure against many perils, including fire, lightning, hail, theft, vandalism, and many others. However, typical home insurance excludes perils like floods, earthquakes, and water damage from sewer backup, so be sure to check your policy document to understand your home insurance exclusions.

Home insurance can also protect detached structures like swimming pools and fences at an additional premium.

Contents coverage

This coverage reimburses you when personal assets like electronics, appliances, clothes, toys, and furniture are destroyed by a covered peril. This way, you don’t have to start from scratch whenever perils strike.

The best way to ensure everything in your home is covered is by maintaining a home inventory and updating it whenever you make purchases or disposals.

Liability coverage

Suppose your dog becomes surprisingly aggressive to a guest and bites their hand. While the accident is unintentional, you could be responsible for your guest’s medical expenses. Fortunately, home insurance covers such liability claims, lessening your financial burden.

Additionally, home insurance covers property damage to others and even legal costs when you are sued.

Loss of use coverage

If a covered peril makes your home unlivable, home insurance compensates you for the additional living costs you incur while living elsewhere.

Would you want to learn more about home insurance? Would you want to buy home insurance for your Oregon home? Please consider Einstein Insurance in Portland, OR for all your home insurance needs.