W.B. Adams Company

14737 SW Millikan Way
Beaverton, OR 97003

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W.B. Adams Company Blog

I’m healthy. Do I really need health insurance?

Many of us have heard the cliche expression, "your health is your wealth." Many of us would agree with this statement. Health is something we take for granted until we’re not healthy. This is why prevention is important. Health insurance allows us to be proactive about our health and this is a specific benefit that health insurance provides.

Our Beaverton, OR team at W.B. Adams Company understands the benefits of health insurance and is committed to helping people get the health coverage they need.

What is Health Insurance?

Health insurance makes healthcare more affordable. Many of us would be unprepared to pay for doctors’ visits strictly out of pocket. Health insurance allows you to visit a doctor or an emergency room and pay a portion or copay/premium to receive services. Many people are able to get health coverage through their employment.

However, health insurance can also be purchased directly through an insurance agent. Health insurance makes it possible to affordably practice preventative healthcare, as well as have access to a primary care physician and emergency health services. 

I’m healthy. Do I really need health insurance?

Health insurance can be beneficial even for healthy individuals. Health insurance gives people access to preventative healthcare in the form of routine doctor visits. Often, preventative healthcare allows doctors to catch conditions before they become serious and can make a difference in the severity of a health issue.

Also, preventative healthcare is like a health report card that gives confirmation of your health, which is good to know. Regardless of whether you’re healthy or sick, health insurance provides a wide variety of benefits in a more affordable package.

Give Us A Call

If you have questions about health insurance, call us at W.B. Adams Company. We’d be happy to help you explore your options in Beaverton, OR. 

What Is a Home Inventory Sheet?

A home inventory sheet is a document you create to help determine how much homeowners insurance you need. In addition, it can be useful to have on hand in the event of a covered peril when you need to make a claim, as you can refer back to it. It’s not required by law for Beaverton, OR homeowners to insure their homes, though a lender will usually compel you to. 

Home Inventory Sheet: What You Need To Know

At its most basic, your home inventory sheet is a list of everything you own. Though this process can seem tedious or overwhelming, the key is to go slowly while consistently gathering your details.

There are sites you can use online, apps on your phone, or you can use a spreadsheet. You can also choose to do this just with a pen and some paper. Your W.B. Adams Company agent can give you more guidance if you need specifics. 

Homeowners can start with their most valuable assets and work their way down. This is so that the things that matter most will be recorded, as this procedure is often one people often don’t complete. 

You can use video to catalog your items, and this is beneficial because you can display possessions from different angles. This also demonstrates their condition from a particular date so that you can contrast this with damage that occurs later on.

Be sure to store receipts but also take pictures of them, as the ink tends to degrade over time. Keep serial numbers, make, and model information on hand as well. 

W.B. Adams Company Can Help

We serve homeowners living in and around Beaverton, OR, and can assist with your insurance needs by putting together a package just for you. Call us or stop by our office to get more information today. 

Can a classic car insurance plan protect someone in Oregon?

In the greater Beaverton, OR area, anyone who loves cars will likely dream of owning a classic car. Not only are these beautiful vehicles and prized possessions, but they can also be great investments.

When you are an owner of a classic car, ensuring you have the right insurance is quite important. A classic car insurance policy is a good investment for any classic car owner as it offers various forms of protection. 

Classic Car Coverage: What Are The Benefits?

Protect the Value of the Vehicle

One of the ways that your classic car insurance plan can protect someone is by protecting their vehicle’s value. A classic car is a unique type of car because it can actually go up in value over the years. When you have one of these cars, you will want this value covered if the vehicle is in an accident or stolen. When you invest in classic car coverage, you will obtain all of this support. 

Give Liability Risk Support

Your classic car insurance policy is also a good option as it will provide you with liability risk support. People that invest in a classic car will want to drive it on occasion. While you may drive only sparingly, having classic car insurance is a good idea as it will offer you protection if you are named liable in an accident. Further, it will ensure you remain in good standing with state requirements. 

Contact Us Today

Classic car owners all over Oregon and in the Beaverton, OR area need to make sure they have the right insurance. Once you are ready to look for coverage, you should call the team at W.B. Adams Company. The professionals with the W.B. Adams Company will understand the value of this coverage and can offer guidance to help you create a new plan to protect your car. 

Can a classic car insurance plan protect someone in Oregon?

In the greater Beaverton, OR area, anyone who loves cars will likely dream of owning a classic car. Not only are these beautiful vehicles and prized possessions, but they can also be great investments.

When you are an owner of a classic car, ensuring you have the right insurance is quite important. A classic car insurance policy is a good investment for any classic car owner as it offers various forms of protection. 

Classic Car Coverage: What Are The Benefits?

Protect the Value of the Vehicle

One of the ways that your classic car insurance plan can protect someone is by protecting their vehicle’s value. A classic car is a unique type of car because it can actually go up in value over the years. When you have one of these cars, you will want this value covered if the vehicle is in an accident or stolen. When you invest in classic car coverage, you will obtain all of this support. 

Give Liability Risk Support

Your classic car insurance policy is also a good option as it will provide you with liability risk support. People that invest in a classic car will want to drive it on occasion. While you may drive only sparingly, having classic car insurance is a good idea as it will offer you protection if you are named liable in an accident. Further, it will ensure you remain in good standing with state requirements. 

Contact Us Today

Classic car owners all over Oregon and in the Beaverton, OR area need to make sure they have the right insurance. Once you are ready to look for coverage, you should call the team at W.B. Adams Company. The professionals with the W.B. Adams Company will understand the value of this coverage and can offer guidance to help you create a new plan to protect your car. 

Protect your Beaverton area apartment with a comprehensive renter’s policy

W.B. Adams Company is here to help the Beaverton, OR community with all of its insurance needs. If you need a renter’s policy, let us help! We are here to answer any questions that you may have. Give us a call today!

Benefits of a comprehensive renter’s policy

Having a solid renter’s policy is a no-brainer. And, having a comprehensive policy in place makes even more sense! With a more robust policy, you can expect a higher level of protection for your personal belongings. Remember, a landlord’s policy may in some cases protect the structure of your rental, but it will not provide any coverage for your own personal items. 

When you work with a local agent to determine the correct amount of coverage for your needs, you can rest assured that you have the protection you need! Another way that you can ensure that you have the coverage you need is to take a look at any expensive items that may need additional coverage. A personal articles policy is often an effective rider for your primary renter’s policy if it’s something that is necessary. 

There are many options available when it comes to renters’ insurance coverage in our area. There is sure to be a policy that meets your budget and coverage needs. Now is a great time to review your options and make sure that you have the right protection in place!

Give us a call today!

If you are a renter in the greater Beaverton, OR area, the team at W.B. Adams Company is here to help with all of your insurance needs. Let us help you find a policy that fits your needs and provides the protection you want. Call or stop by our office today!

Things You Should Consider Before Purchasing Motorcycle Insurance

Buying motorcycle insurance can be challenging and confusing, if not planned properly. There are certain things you need to take into consideration first before getting any specific insurance policy. Consult with W.B. Adams Company in Beaverton, OR for expert insurance advice.

What Should You Consider Before Buying Motorcycle Insurance

The things that you must always consider include the following:

  • Basic insurance policies with low premiums might not be enough.  Driving a motorcycle can be dangerous, and road accidents happen every day. Therefore, you need to make sure you have enough coverage to protect yourself. Often, cheap insurance protects motorcycles, while you remain unprotected. 
  • Modified motorcycles are usually more expensive to insure. When considering motorcycle insurance, it is better to avoid modified motorcycles because they often cause an increase in insurance premiums. Therefore, if you are thinking about buying a motorcycle and you have a limited budget, it is better to go for a normal motorcycle without any modifications.  
  • Taking an advanced riding course can reduce your premiums. The purpose of advanced riding courses is to help you become a better rider. In addition, you can also receive a discount on your insurance motorcycle. Thus, if you want to pay less for your insurance, it makes sense to complete a special course. 

Get Motorcycle Insurance Today

If you are shopping for motorcycle insurance and need help in finding a perfect insurance plan, give us a call at W.B. Adams Company in Beaverton, OR. We specialize in different types of insurance, including motorcycle insurance as well. Contact us today for more information and plans available. 

Reasons You Need Health Insurance

When you are young and healthy, you may not think that you need health insurance. You may want to save your money, but that could be a big mistake. W.B. Adams Company in Beaverton, OR can help you navigate this important coverage.

Here are some reasons why you need health insurance:

Those who have health insurance are more likely to stay healthy

They are more likely to go to the doctor regularly for preventative medicine. They are also more likely to seek a doctor when they aren’t feeling well, catching many things before they become serious. 

It will also help you prepare for the unexpected

Most people don’t expect to need health insurance, but when you do, it is a good idea to have it. You never plan to get sick or get in an accident and find yourself in the hospital. However, if it happens, you will be glad that you have coverage. You won’t have to choose between getting the help that you need and figuring out how to pay for it. 

You will also end up paying less for medical care

The truth is that when you have insurance, you won’t have to pay the full price for your medical care. You will only have to pay a fraction of the cost, which will save you money in the long run. 

Though you might not want to pay for health insurance, the truth is that you really should have it. You will be more likely to get preventive care to help you stay healthy. Plus, you never know when you might need health insurance! 

Give Us A Call

If you need help choosing the right health insurance for you and your family, don’t hesitate to contact us today at W.B. Adams Company in Beaverton, OR. 

Benefits provided by a comprehensive auto policy

Vehicle owners in the greater Beaverton, OR area can turn to the team at W.B. Adams Company for all of their insurance needs. When it comes to auto insurance, not every policy is created equally. There are some that are more robust than others, and these comprehensive policies have many advantages. If it’s time to upgrade your auto policy, give us a call today!

Major benefits of comprehensive auto policies

When it comes to auto insurance, many people start out with a primary policy that covers their basic needs. As time goes on, they start to consider updating their policy to something that is more comprehensive. If this is your current situation, you may be wondering what specific benefits these comprehensive policies provide. 

The most important feature of a comprehensive policy is the increased coverage and protection that it offers. Depending on your specific needs, you can opt for additional collision, liability, or medical expense coverage. Or, you can select a policy that provides an increased level of protection in all areas.

In addition to increased coverage, a comprehensive policy could provide features like rental car coverage if your car is rendered inoperable due to a covered event. Other features include roadside assistance services and decreasing premiums. There are a number of different options that are available when you upgrade from a basic auto policy. In fact, it is possible to craft a policy that meets all of your needs.

We are here to help you with all of your insurance needs!

W.B. Adams Company is proud to serve our friends and neighbors in the Beaverton, OR area. If you have questions about car insurance, we are here to help. Give us a call to schedule an appointment, or stop by our office today!

How can commercial insurance protect an Oregon business?

The Beaverton, OR area continues to be an area of the state that is seeing a lot of population growth. At the same time, this part of Oregon brings in many tourists and visitors. Due to this, Beaverton can be a great place to start and run a business. If you are going to start a business here, having a commercial insurance plan is always a good idea. There are various ways commercial insurance can protect your company. 

Commercial Insurance: What You Need To Know

Cover Assets Owned by Business

As you are looking to protect your business in the Beaverton area, you will want to have a commercial insurance plan to protect your core assets. Any business today is going to invest in a lot of assets to start and run the business. Without the right insurance, it could lead to a loss if you are affected by theft, a fire, or other situation that results in a loss. With commercial insurance, you will have the support needed to replace these assets in covered situations. 

Reduce Liability Risk

It also will be a good idea to get a commercial insurance plan to reduce your liability risk. There are a lot of liability risks that businesses of all sizes face on a daily basis. If you are not covered, you could be found liable and will face various claims. Fortunately, your commercial insurance plan can protect you in these situations. 

Contact Us Today

Anyone that wants to cover their business in the Beaverton, OR area should call the team with W.B Adams Company to discuss their commercial insurance needs. The professionals with W.B. Adams Company understand the value of commercial insurance and can offer any support you need to build your next plan. This will give any support necessary to choose a plan to obtain proper coverage. 

Common Misconceptions About Home Insurance You Should Know

With many myths about home insurance out there, they can get you flat-footed if you are not careful. And there is nothing as frustrating as buying home insurance based on misconceptions. It can be ugly when an unfortunate event occurs, and you are told it’s not or inadequately covered.

Knowing what you are signing when insuring such a massive investment as your Beaverton, OR home is crucial. We at W.B. Adams Company are here to help homeowners buy home insurance policies based on facts, not misconceptions. To help with that, we shall demystify the common misconceptions about home insurance. 

Common Misconceptions About Home Insurance You Should Know

Home insurance covers the market value of your home

The market value is the amount you would get if you sold your home, which includes the cost of your home and the land. However, your home insurance policy only covers the cost of replacing your home and excludes the cost of the land.

Your home insurance covers flood damage

Your standard home insurance does not cover flood damage. You will have to buy flood insurance as a separate policy.

Your home insurance covers all damages

Your home insurance protects your home against several risks like vandalism, theft, or fire, but it doesn’t cover all damage. Your standard home insurance excludes damage from normal wear and tear, acts of war, earthquakes, pest infestation, and mold.

Home insurance covers all your valuables

While your home insurance covers valuables like electronics, furniture, clothing, and other assets, high-value items like jewelry, art, and cash are not fully protected. For optimal protection, please check with your insurer.

Home insurance pays for your bodily injuries

Home insurance has bodily coverage but only covers your guests who get injured on your premises. The policy does not protect your family members or yourself in case of physical injuries.

Home insurance in Beaverton, OR

It is wrong to assume that your home insurance will cover every damage in your home. Please read through your policy well and talk to your agent for clarification. If you live in Beaverton, OR and its surroundings, kindly speak to us at W.B. Adams Company for all your home insurance solutions.