| Buying a home is one of the biggest investments you | | | | themselves on your property and sue you. Most |
| can make, and homeowners insurance is an | | | | policies include $100,000 worth of personal liability |
| inexpensive way to protect that investment. Here's | | | | coverage, but you can purchase more if you have a |
| where to get low cost Oregon homeowners insurance | | | | lot of assets you want to protect from a lawsuit. |
| with a reliable company. | | | | Your additional living expenses - It pays for your living |
| What does homeowners insurance cover? | | | | expenses - motel, restaurant and other expenses - |
| You home - It pays to repair or rebuild your home | | | | when your home is damaged and you need to live |
| afters it's been damaged by by fire, smoke, burst | | | | elsewhere until it's repaired. |
| water pipes, vandalism, or acts of nature such as | | | | How can I save money on my premium? |
| snow or wind damage. It does not pay for damages | | | | Lower your deductible - Your deductible is the money |
| resulting from floods or earthquakes, however you can | | | | you pay toward a claim before your insurer will pay. |
| buy separate insurance to protect you from these | | | | Lowering your deductible not only saves you money |
| disasters. | | | | on your premium, it also prevents you from making |
| Your possessions - It pays to replace your personal | | | | numerous small claims which can cause your insurer to |
| items - furniture, appliances, electronics, clothing, etc. - | | | | cancel your policy. |
| that have been damaged by fire, smoke, vandalism, | | | | Install safety and security devices - Installing security |
| burst water pipes, or acts of nature. Coverage for | | | | devices like burglar alarms, dead bolts, window locks, |
| high-price items like jewelry, furs, computers, and | | | | fire extinguishers, and sprinkler systems will get you a |
| antiques may be limited, but you can purchase | | | | discount on your policy and make your home a safer |
| additional insurance for these items if need be. | | | | place to live. |
| Your assets - It pays for court-awarded damages | | | | Where can I get low cost Oregon homeowners |
| and your legal fees when you're found liable for injuring | | | | insurance? |
| another person, for instance when they injure | | | | |