The Insurance Connection of Deschutes offers a personalized approach to help you find the home insurance coverage that best fits your needs.
A home insurance policy helps to protect your home and personal belongings in the event of a natural disaster or other unfortunate incidents. This can include everything from a windstorm to a burglary. Another important aspect of home insurance is that you can purchase coverage to protect you when someone is injured on your property. Unfortunately, whether you were actually at fault or not, a guest may still choose to file a lawsuit. In cases like these, it’s important that you have the financial backing necessary to cover legal expenses and medical costs. Your homeowners liability coverage can also help protect you from things that happen away from your home, for instance, if you accidentally drop a dumbbell on someone’s foot at your local fitness center. These things happen and that’s why you need the coverage. It is incredibly important that you discuss your options with a local agent who has your best interest at heart, not some nameless call center worker. The last thing anyone wants is to have their largest investment seized by the courts or damaged with no financial means to have it repaired. We care about our local Bend Oregon community and we don’t want our neighbors to be poorly protected.
For the most part, you are not legally obligated to purchase homeowner’s insurance. However, if you decide to get a home mortgage, most lenders will require you to obtain coverage before you are able to close on your home. Depending on the location of your home, some mortgage companies may also require you to purchase additional coverage such as flood or earthquake insurance.
Mortgage lender requirements aren’t the only reasons to have home insurance. Even if you paid cash for your home or already finished paying off your mortgage loan, it’s still beneficial to have coverage. If not, you could potentially face financial ruin in the event of an uncovered claim.
Just imagine if your home were to burn down. Depending on the significance of the damages, you may be forced to rebuild your entire home. Even families in the best of financial positions could be severely financially taxed as a result. Coverage that often only amounts to a couple of dollars a day can help prevent such a disaster.
There are hundreds of types of home insurance options available that will provide you with financial protection and assistance after a flood, fire, hurricane, theft, vandalism, lawsuit or even identity theft. Did you know that if you own a home that you rent to others you need a different type of homeowner’s insurance than if you live in the home? Did you know all carriers exclude coverage for certain things? Did you know that, often, if you have the wrong type of policy insurance carriers can legally deny a claim? This is why it is so very important to discuss your home insurance options with one of our licensed, local Bend Oregon agents. We want you to have the right coverage at the lowest price available.
As an independent agency, we have the unique ability to treat you as both a partner and a client. We will take the time to meet with you and help you understand everything you need to know about home insurance in order for you to make an informed decision. We are even available to help you sift through the extensive list of available insurance providers and compare quotes.