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Beaverton, OR 97003

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How Renters Insurance Covers Theft, Both at Home and Away

Renters Insurance: Protecting Your Belongings from Theft

Life is full of surprises; unfortunately, not all are pleasant. Theft can happen when you least expect it, whether you’re at home or traveling. At W.B. Adams Company in Beaverton, OR, we want to ensure you understand how renters insurance can protect your belongings from theft, no matter where you are.

Protection at Home

Your home is your sanctuary, but it’s also where many thefts occur. Renters insurance provides coverage for your personal belongings in case of a break-in or theft. If someone steals your laptop, jewelry, or other valuables, your policy can help reimburse you for the loss. Knowing that your cherished items have a financial safety net is a comforting thought.

Coverage While Traveling

Did you know that renters insurance can also cover theft outside your home? Your belongings can still be protected whether you’re on vacation or just out running errands. If your luggage is stolen from a hotel room or your phone is snatched at a café, renters insurance can help cover the cost of those items. This added layer of protection ensures that you’re never caught off guard.

Peace of Mind Wherever You Are

Renters insurance means you can go about your day with one less worry. It’s about feeling secure at home and confident when you’re away.

Get Covered with Renter’s Insurance in Oregon

Don’t wait for an unfortunate event to make you realize the importance of renters insurance. Contact W.B. Adams Company in Beaverton, OR to learn more about how our policies can protect you from theft at home and on the go. Our team is ready to help you find the coverage that fits your lifestyle. Reach out today and enjoy peace of mind wherever life takes you.

What could occur if I dont have proper motorcycle insurance in Oregon?

The Importance of Motorcycle Insurance in Beaverton, OR

Living in the Beaverton, OR area, it’s essential to make sure that you have the right kind of insurance. If you’re a motorcycle owner, this means having a comprehensive motorcycle insurance plan. Several compelling reasons exist to get this coverage, including avoiding negative consequences. If you don’t have a proper insurance plan, you may face future difficulties.

Potential Loss of Vehicle

One common consequence of not having adequate motorcycle insurance in Oregon is the potential loss of your vehicle. If you are not covered with collision or comprehensive motorcycle insurance, you’ll have no support if your motorcycle is damaged in an accident or stolen. Replacement can pose a significant financial burden as motorcycles can be costly, and you need to source funds personally.

Violation of Agreements

Lacking a comprehensive motorcycle insurance plan can also lead to violations of multiple agreements. When buying a motorcycle, you might take out a loan, typically requiring full insurance coverage. Moreover, the state law mandates at least liability coverage. You could face various penalties if a motorcycle insurance policy does not correctly back you.

When you plan to get a motorcycle in the Beaverton, OR area, ensure you have a suitable motorcycle insurance policy. When looking for coverage in this area, consider reaching out to our team at the W.B. Adams Company. We will help you assess your options and build a plan that provides the necessary support to safeguard your vehicle.

Health Insurance for Moms-to-be: What are the Options?

Beaverton, OR couples who are thinking about starting a family should plan ahead to ensure they have sufficient healthcare coverage. Health insurance for a mom-to-be can cover various expenses, including prenatal tests, ultrasounds, doctor visits related to the pregnancy, delivery, postpartum care, and care for the new baby.  

Thankfully, there are many ways to get health insurance coverage before pregnancy. Each option has pros and cons, so weighing them up is wise to find the best choice.

Coverage Through Your Employer

Do you have a full-time job with a business that offers healthcare coverage? If so, check your policy to ensure it covers pregnancy-related care. You’ll also want to learn more about your co-pays and deductibles to make intelligent financial plans.

Open Enrollment

The open enrollment period for ACA healthcare plans runs from November 1 to January 15. During this time, you can explore plan options and either purchase a new policy or switch to a policy that better meets your needs. 

If you miss open enrollment, you may be able to sign up for an ACA plan if you meet specific criteria. These include getting married, divorced, moving to a new ZIP code area, and losing your current health plan due to employment changes. You can also qualify for special enrollment if you experience significant changes to your income. 

Get Insurance Help from W.B. Adams Company

The W.B. Adams Company offers a range of health insurance options to meet the needs of Beaverton, OR, moms-to-be. Contact us to find out more or to get a policy quote. We’ll work with you to ensure top-tier healthcare coverage best fits your current situation.  

Does Car Insurance Cover Multiple Vehicles?

Owning multiple vehicles requires an insurance policy tailored to your unique situation. At W.B. Adams Company in Beaverton, OR, our team of qualified insurance professionals is ready to help you find the right policy, whether you have one, two, or more cars in your garage. If you’re unsure about the type of policy that’s ideal for you, we’re here to help.

Does Car Insurance Cover Multiple Vehicles?

Generally, an auto insurance policy typically covers only your primary vehicle, the vehicle you use most often, and is listed on the policy. However, if you own more than one vehicle, it’s time to look into other car insurance policies that cover your additional vehicles. You may even be able to secure a multi-car insurance policy designed to protect more than one car, which could be an ideal option for you.

Whether you have a partner, child, or other family member that needs to be added to your coverage, or if you need to add their vehicle to your policy, our representatives can help you find a policy that fits your unique situation. We’re skilled at listening to your circumstances and finding an adequate insurance policy that meets your needs.

If you have any questions about how many cars you can add to a policy or the insurance process if you decide to purchase another vehicle, call us at W.B. Adams Company in Beaverton, OR, today!

Business Uninterrupted

A business interruption is never convenient. However, investing in business interruption insurance can help keep your doors open even when you can’t conduct business. Suppose a tree falls onto your commercial property requiring you to shut down and fix the damages. In that case, it could result in a loss of thousands of dollars in income. Nevertheless, the team at W.B. Adams Company in Beaverton, OR can help secure business interruption insurance to cover your losses while your business is closed.

What Is Business Interruption Insurance?

You can benefit from business interruption insurance regardless of whether you own or rent your business premises. It covers expenses and revenue affected by covered events. It caters to your rent or mortgage payments and employees’ wages. Depending on your policy structure, it might also cover relocation costs, taxes, and overhead costs while your business is interrupted. But remember, you must have property and liability insurance to add Business Interruption (BI) to your policy.

When Does BI Kick In?

BI usually starts after a specified waiting period and continues while you make necessary repairs. Talk to one of our knowledgeable agents to discuss different options suitable for your company.

What Business Interruption Insurance Does Not Cover

It’s crucial to know what business interruption insurance does not cover. You’ll need separate coverage for damages resulting from floods or earthquakes. In addition, BI doesn’t cover costs associated with viruses or pandemics. Ensure to include all business expenses in your financial records to make them eligible for business interruption coverage. Note that most BI policies do not include utilities since they’re a variable cost associated with ongoing business expenses.

If you wish to discuss what BI does and doesn’t cover, a knowledgeable agent from W.B. Adams Company in Beaverton, OR would be pleased to assist. Contact our friendly staff today to schedule an appointment!

Three Important Reasons to Get Home Insurance

Getting home insurance is a typical part of home ownership. Home insurance can pay to repair your home if a covered event occurs.

Whether you’re in the middle of buying a house or if you’ve owned your home for years, it’s essential to consider why home insurance is necessary and whether it’s the type of insurance you want to own. At W.B. Adams Company, servicing Beaverton, OR, we can help you determine whether home insurance is the correct type of insurance for you. 

1. Home Insurance Is Required If You’re Getting a Home Loan

If you have a home loan, your mortgage lender will require you to get a home insurance policy. This protects your lender’s investment and helps ensure that the home will be repaired if something goes wrong.

If you’re buying a home, you’ll be required to prove you have insurance before the loan will be funded. If you stop paying for coverage while you still have a home loan, your lender will force you to purchase their home insurance policy. 

2. Home Insurance Provides Peace of Mind

Home insurance provides homeowners with peace of mind. Knowing that your insurance company will help pay for repairs when covered events occur is reassuring. 

3. Shopping Around Can Give You the Best Deal

Home insurance can be very affordable. When you get a home insurance policy from W.B. Adams Company servicing Beaverton, OR, we can help you get the best deal because we work with various carriers. We can shop around for the best insurance product for your budget and needs. 

Have questions? Want home insurance? Call today to make an appointment. 

Does Classic Car Insurance Cover Theft from W.B. Adams Company

Classic Cars: Cherished Symbols of History and Craftsmanship

Classic cars are treasured by fans, representing timeless automotive history and craftsmanship. However, these coveted vintage vehicles can attract unwanted attention from thieves who aim to profit from their rarity and appeal. At W.B. Adams Company in Beaverton, OR, we understand our clients’ desire to protect their beloved possessions from potential theft.

Does Classic Car Insurance Cover Theft?

Classic car insurance usually covers theft, providing comfort to owners knowing their valued possessions are protected. Nevertheless, classic car owners must comprehend the specifics of their insurance policy to ascertain the scope of the provided coverage. Certain policies may have particular caveats or clauses concerning theft protection, like requiring specific security measures to be in effect.

Preserve Financial Investment and Nostalgic Significance

For vintage car enthusiasts, these vehicles’ emotional connection and sentimental value frequently surpass their monetary value. Therefore, ensuring comprehensive coverage against theft is critical in safeguarding financial investment and preserving the nostalgic significance of owning a classic car.

Addressing Evolving Risks

Considering the evolving risks and advanced techniques employed by thieves, it’s paramount for classic car owners to periodically assess and update their insurance policies to counter potential threats such as theft adequately.

Contact W.B. Adams Company for Classic Car Insurance

At W.B. Adams Company, we can help you obtain the right insurance for your classic car. Contact us today to schedule an appointment with our insurance agent and learn more about classic car coverage.

Can I Get Renter’s Insurance for a High-End Building?

If you’re living in a premium apartment complex in or close to Beaverton, OR, it’s reasonable to assert that you own many valuable belongings. Renter’s insurance effectively shields your valuable possessions from threats such as burglary, fire, severe weather, and more. Yet, conventional policies often fail to deliver sufficient protection. W.B. Adams Company is a trusted advisor who will guide you in selecting a policy tailored to your luxury apartment.

Mandatory Renter’s Insurance for Luxury Homes

The advantages of residing in a top-tier rental property are vast. High-end amenities plus guaranteed security are relatable examples. As for the latter, bypassing the renter’s insurance is easy. However, it’s becoming common for apartment complexes to enact a mandate for their occupants to secure renter’s insurance before moving into their property. The two significant classes of renter’s insurance are personal property and liability. In most cases, acquiring a renter’s insurance for a deluxe apartment isn’t significantly different from other apartment types. The principal concern should be the selection of your policy.

Going Beyond Standard Coverage Limits

When choosing your coverage, always ensure it adequately addresses your circumstances as a luxury apartment renter. This means comprehensive coverage for high-worth items such as jewelry, esteemed artworks, and state-of-the-art electronics. Protect your assets against perils like water damage, fire, theft, and natural disasters. Some luxury renters possess high-profile statuses warranting additional liability coverage. Other worthwhile coverages include identity theft protection and temporary living expenses if a disaster renders your unit uninhabitable.

Certain insurance firms focus on crafting policies for high-end rentals. W.B. Adams Company, dedicated to serving Beaverton, OR, possesses the expertise to guide luxury renters through multiple policies and options. We ensure that our clients subscribe to deserved coverage. Contact one of our friendly agents today to commence your policy.

Is Motorcycle Insurance a Requirement in All States?

So, you’ve purchased a new motorcycle and are getting things to start riding your new bike. You’re likely very excited, but you must remember to ensure your safety while riding. Of course, ensuring your safety means wearing a helmet, keeping your bike in tip-top condition, and obtaining a good motorcycle insurance policy. You might wonder if motorcycle insurance is required in Beaverton, OR, and if it’s required in all states. 

Motorcycle Insurance is Not a Requirement in All States

Motorcycle insurance is not a requirement in all states, although it’s required in most states. States that don’t require this type of insurance are: 

  • Florida
  • New Hampshire
  • Washington
  • Montana

In these states, motorcycle insurance is optional. Even though motorcycle insurance isn’t required in these states, if you ride your motorcycle there and you’re ever involved in an accident, you may be asked to provide liability insurance. If you have none, you may have to pay for damages out of pocket, which could be pretty costly, depending on the situation. 

Motorcycle Insurance is Required in Oregon

Luckily, in Oregon, you will never have to contend with having an accident and not having insurance because motorcycle insurance is mandatory in this state. Having good quality motorcycle insurance can give you peace of mind that you will be covered if something happens and you end up injuring another person or damaging their property. If you need to find an affordable policy, it’s certainly possible, so do your homework before deciding on a company.

As you can see, motorcycle insurance is mandatory in Oregon. If you need an insurance agency, you might want to give us a call at W.B. Adams Company. At W.B. Adams Company, we provide all types of insurance and cover the Beaverton, OR, area. Call today for a quote. 

Understanding managed care

These days, when you choose your health insurance, chances are it will be a form of managed care. Managed care is the most popular type of health insurance these days, and understanding the different types of managed care is vital to making an educated choice. At W.B. Adams Company in Beaverton, OR, we can provide the information you need to make the correct decision. 

Before understanding the types of managed care, it is important to understand how provider networks, drug formulary, and deductibles affect all types of health insurance. 

HMO 

The Health Maintenance Organization is the original type of managed care that resulted from the Health Maintenance Organization Act of 1973. It opened the door to a whole new wave of healthcare insurance. With an HMO, you must have a primary care doctor who manages your care. Our primary care doctor must be in the network, and if you need to go to a specialist, they will need to give you the necessary referral. Visits outside the network are not covered except in an extreme emergency. An HMO is the most restrictive type of managed care but also the most affordable. 

PPO

A Preferred Provider Organization is a much more flexible option. You will have a primary care physician, but you will not need them to refer you to a specialist, whether within or outside the network. You will pay less for a visit when you stay in the network, but you can visit anyone. 

POS

The Point of Service combines the best points of the other types of managed care. You don’t need a referral as long as you stay in the network. 

Contact our office at W.B. Adams Company in Beaverton, OR, when you need help choosing a healthcare provider or have questions about managed care. Give the office a call today.