Home insurance is a policy designed to protect a private residence. Owning your home in Albany, OR is a dream come true for many residents. A home is a place destined to relax. So when you are at your home and let your guard down, we, as Allen & Associates Insurance Inc., step up and provide protection when you require it most. Get in touch with our agents and get a home insurance quote to commence safeguarding your home, belongings and instilling peace of mind.

Is home insurance mandatory in Oregon?

Home insurance is not legally mandatory in Oregon. Nevertheless, if you plan to utilize a mortgage loan to finance your home, you will require home insurance to safeguard your expensive asset against massive damage.

Protection of your home

The central role of home insurance policies is to safeguard your main house, which is a crucial section of your home where you reside. Imagine dealing with a total loss as a result of extensive damage from a hurricane or a storm. Home coverage for your house will repair or replace your dwelling if perils like lightning and hail destroy it.

Protect your detached structures

Detached structures like fences, garages, and sheds are crucial components of your home. Home insurance can protect these structures directly or customize your policy if you require additional coverage for your detached structures.

Providing liability protection: Did you know that if someone gets injured on your premises, it can culminate in a cost of tens of thousands of dollars in terms of medical costs? Liability protection coverage gets designed to cushion you against probable expensive lawsuits arising from bodily injury and property damage you and your family members inflict on other parties.

Protect your assets: Content coverage safeguards your personal belongings such as sporting gear, furniture, and clothing if they are robbed or destroyed.

Provides loss of use coverage: If your dwelling becomes unlivable due to damage resulting from fire, vandalism, or another insured incertitude, your additional living expense coverage pays for the other expenses such as hotel bills if you are living elsewhere temporarily.

For detailed information on what is included in home insurance in Albany, OR and how it works, please call or visit Allen & Associates Insurance Inc.We can assist you in making an educated decision and customizing coverage that suits your needs and budget.