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