Homeowner’s Insurance
Your biggest asset is often your home, and homeowners insurance is designed to protect you from losses such as fire, theft, and vandalism.
Guaranteed replacement cost option protects you for the full cost of repairs for a covered loss, even when the cost to rebuild exceeds its replacement value.
Contents coverage for replacement cost is also included as well as medical payments for guests in your home and for personal liability coverage.
The difference in your home’s actual cash value and its replacement cost to rebuild can be significant and its important to ensure you get the insurance that will provide the best protection for you in the event of a covered loss.
This includes protection for 100% of the replacement for your contents as well as providing liability coverage against accidents that may incur in your home or on your property.
We work with PBC Insurance in Eugene for access to their markets for these insurance policies. They have assigned Shannel Martinez as my Account Manager for policies written through their office and she is available to make policy changes, help with payments or shop new policies when I am unavailable. Shannel can be reached at 541-484-6624.
Landlord Insurance
If you own a home that is rented to others, we can protect you with a Landlord policy that can cover the property as well as your liability exposure.
Renters Insurance
Renters can obtain coverage for their personal possessions and liability protection while renting a home from someone else.
Mobile/Manufactured Home Insurance
We have a market for new and older mobile homes, please call us at 541-782-4094 for a quote.
Standard Coverages
Dwelling – Coverage to repair or replace the physical structure.
Personal Property – Standard items, like furniture, appliances, electronics, and clothing.
Insurance Rider – For items like jewelry, artwork, firearms or collectibles, these need to be covered separately under an insurance rider.
Liability – This covers damages to someone’s property or personal injury caused by a household member.
Loss of Use – Also known as additional living expenses to cover things like meals and hotel costs due to a covered loss when someone is forced to live somewhere else due to a covered loss.
Replacement Cost Coverage – This coverage can protect you against depreciation of the value of your home over time. It can protect the structure and contents and provide money needed to repair or replace what is damaged.
Call 541-782-4094 during business hours or click the button below to contact us for more information.
Other products we offer: