W.B. Adams Company

14737 SW Millikan Way
Beaverton, OR 97003

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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.

Why Do You Need Special Insurance For Your Classic Car?

You are probably very proud if you have a classic car. You may even take it to shows and other events in order to show it off. That being said, it is important that you have the right insurance and coverage for your classic car. Your regular automobile insurance may not be enough, and W.B. Adams Company in Beaverton, OR gives you a guide as to why. 

Why Do You Need Special Insurance For Your Classic Car?

Both auto insurance and classic car insurance have similar policies. This means that they will cover liability, collision, comprehensive, and even property damage. 

However, if you have a classic car, you need to make sure that you know how much it is worth. While regular automobile insurance covers the car’s actual cash value, classic cars are often worth more money. For this reason, when you get classic car insurance, you get to decide how much your car is really worth. If it goes up over time, you can change your coverage limit. 

It will also pay for special repairs that are needed. When classic cars are damaged and need to be fixed or restored, you might not always be able to find the parts for them. The parts you find may cost you a little more, plus you may end up doing more restoration work just to get it to look like it did before. Regular automobile insurance won’t cover all of these extra expenses. 

For this reason, you need to get the best insurance that you can afford. If you have a classic car and want to make sure that it is fully protected, you need to contact us today at W.B. Adams Company in Beaverton, OR. 

5 Myths about Renters Insurance

Are you renting your home? If so, you need renters insurance. Despite what some people may believe, renters insurance is not just for certain people. It’s vital protection for anyone who rents their home. Here are five myths about renters insurance and the truth behind them.

Myth #1: My Landlord Has Insurance

If you rent, your landlord is responsible for insuring the home’s structural elements only, not your personal belongings. That’s why it’s so important for renters to have their own insurance plan in place to protect themselves against everything from a stolen laptop to a fire or flood.

Myth #2: Renters’ Insurance Is Too Expensive

While renters insurance may seem like an added expense, it’s very affordable and worth the cost when you consider how much it will protect your belongings in case of a catastrophe. Check out our Renters Insurance Price Calculator to get an idea of the average cost.

Myth #3: I’m Single, So I Don’t Need It

Just because you live alone doesn’t mean you don’t need renters insurance. One big reason people give for not buying renters insurance is that they don’t have a lot of valuable possessions. While it may seem like you have less to protect, you never know when disaster will strike.

Myth #4: Renters Insurance Only Covers Theft

Many people think that’s all renters insurance covers, but it provides coverage for much more. For instance, if your apartment is damaged by a fire or is vandalized, renters insurance will cover damage to your personal property within the rental unit. It also gives you liability protection if someone gets injured on your property and sues you.

Myth #5: I’m Only Going to Be in This Place for a Year

It doesn’t matter how long you’re staying. Renters’ insurance is important. Several things could happen, including theft, fire damage, or something unexpected like a water pipe breaking. Renters’ insurance is always helpful, so you don’t have to worry about what could happen if disaster strikes.

Even if you’re only renting your home temporarily, it’s best to protect yourself through renters insurance. At W.B. Adams Company in Beaverton, OR, we’re here to help you choose the right renter’s insurance plan for your needs. Call us today for more information.

What Are The Types Of Motorcycle Insurance?

Different motorcycles and riders have different insurance coverage needs. Maybe you have invested time and money in a vintage Harley Davidson, or you are just starting out with your new motorcycle license.

Whether you are interested in more coverage for your investment or medical coverage in case of an accident, you need to know the types of coverage to include in your motorcycle insurance policy in Beaverton, OR. The agents at W.B. Adams Company are available to help all riders make the most informed decisions on their motorcycle insurance options.

Available Motorcycle Insurance Coverage

When compared to the other vehicles on the road, motorcycles are subject to unique risks. In general, they are considered to be more dangerous because the driver is exposed on top of the vehicle instead of encased in a safe space complete with airbags. Failing to wear the recommended riding attire only adds to the danger.

If the motorcycle is involved in an accident with another vehicle, it will often sustain the most damage and injuries. For this reason, there are specific insurance coverage options designed to protect riders, such as:

  • Comprehensive coverage against theft, fire, vandalism, hail, wind, and other conditions
  • Collision coverage if the bike hits an object or another vehicle while riding
  • Liability in case the rider causes property damage or bodily injury to another party
  • Uninsured/underinsured motorist coverage in case you are involved in an accident with a motorist who does not carry enough insurance to cover damages and injuries
  • Passenger liability in case someone riding on the bike with you is injured in an accident
  • Customized parts coverage for items added to your bike
  • Roadside assistance in case of a breakdown and your bike needs to be transported
  • Trip interruption coverage if you are in an accident more than 100 miles from your home in Beaverton OR
  • Transport trailer coverage for certain trailers

If you need help deciding which coverage options are right for you and your bike, contact the experienced agents at W.B. Adams Company. Give us a call today.

Can You Get in Legal Trouble if You Don’t Have Home Insurance?

W.B. Adams Company understands that some people may get in challenging financial situations and struggle to pay their home insurance in Beaverton, OR. But if your policy gets canceled, or you somehow don’t have home insurance, what legal ramifications may result?

How You May Lose Home Insurance 

It is impossible to buy a home without getting a home insurance policy. However, there are situations in which you could lose your coverage. For example, your insurance company may cancel your insurance if you miss too many payments, get an inadequate inspection, or do anything illegal in your home. 

When you lose insurance, you’re in a very tough spot. Anything that now happens in your home is not covered. So you’re essentially left in a very fraught legal situation that could impact you in many ways. So here’s what you need to understand about this situation. 

What Could Happen Without a Policy 

When you have a home without insurance, you’re likely to suffer from many potential legal troubles, including how:

  • Injuries could result in lawsuits you have to pay 
  • Damage to the home will not get covered 
  • Home destruction won’t get repaid
  • Fines and penalties from legal authorities
  • Your mortgage holder may try to claim your house 

These issues make it vitally important to keep your home insurance up to date. If you’re having trouble making payments, talk to your provider, don’t just ignore fees. Most are willing to work with you to keep your home protected.

Keep Yourself Protected

Prevent these legal troubles by contacting us today at W.B. Adams Company. We serve the Beaverton, OR, area and will provide you with home insurance that meets your needs. We’ll work with you to ensure that it doesn’t lapse on you.

Is classic car insurance a necessity?

Are you a Beaverton, OR resident possessing a classic, custom, collectible or antique car? If so, it’s important to get specialized insurance that reflects your vehicle’s uniqueness and its worth, because ordinary auto insurance isn’t adequate in safeguarding such a car against impending calamities. Classic cars warrant exemplary care because they are worthy of investment and thereby must be accorded magnificent protection. Purchasing classic car insurance in Beaverton, OR is a prudent move because it’s different from ordinary auto insurance as it’s purely based on the actual collectible value of your car. Repairing and replacing your antique, collector, or classic car can be very expensive; therefore, you need a sufficient amount of classic car insurance to cater for repairs when you need them. Please call or visit us at W.B. Adams Company and get more detailed information about classic car insurance. Keep reading to understand the versatile benefits of classic car insurance.

Protect your classic car

One of the prime reasons for purchasing classic car insurance is that it can assist in preserving the overall value of your precious car. When you buy classic car insurance from W.B. Adams Company, you enter into an agreed-upon replacement value of the vehicle, different from other standard car insurance policies. Investing in classic car insurance allows you to safeguard the unique significance attached to your classic car.

Liability coverage

Similar to ordinary cars, auto accidents can occur while driving a classic vehicle, attracting expensive aftermath expenses. Liability coverage pays for costs emanating from bodily injuries and damage to property when you cause an accident with your classic car with third parties salvaging you from paying out-of-pocket.

Provides special towing and spare parts coverage(Roadside assistance)

Have you ever imagined what could happen when your classic car breaks down or requires expensive spare parts? Both coverages for towing and spare parts are proportional to the unique demands of your classic car. Towing coverage is responsible for transporting a classic car in emergencies when experiencing a breakdown. In contrast, spare parts coverage replaces valuable or perhaps hard to scout vehicle components like engine parts, wheels and transmissions.

Are you a classic car enthusiast residing in Beaverton, OR? Classic insurance is associated with some complexity; therefore, it requires a team conversant with how this type of insurance works. Don’t hesitate to contact our agents at W.B. Adams Company to get specialized classic car insurance that meets your needs.