Home Insurance Beaverton, OR
If you own a home in Beaverton, OR, you need home insurance from Schmidt Insurance Group to protect your home and personal belongings. We know our Schmidt and make it easy to find the coverage you need!
Schmidt Insurance Group opened its doors in Lake Oswego in 2019 to simplify the process of buying insurance while providing outstanding customer service. We proudly serve the local Portland area as well as all of Oregon and Washington.
Our team consists of born-and-raised Oregonians who are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
What is home insurance?
Home insurance, also known as homeowners insurance, provides you with financial protection in the event of a disaster or accident that involves your home. It will help pay to repair, rebuild, or replace your home, other structures on your property, and your belongings in the event of a destructive event, such as a fire. It will also help cover your liability for any injuries or property damage to others that are caused by you or members of your family (including your household pets).
Is home insurance a requirement?
If you have financed your home with a mortgage, your lender will most likely require you to have at least some basic homeowners coverage. If you’re lucky enough to be able to pay cash for your home without a mortgage, or you’ve paid off your mortgage, you could skip the home insurance… but it’s a good idea to have it anyway!
If your home was ever completely leveled by a covered risk, such as a fire, could you afford to rebuild it out of your own pocket? If it’s chock-full of family heirlooms or other valuables and was burglarized, could you afford to replace everything you lost? If a visitor fell down your stairs, could you afford to pay their medical bills? Instead of putting your finances and your family’s future in jeopardy, invest in a home insurance policy from Schmidt Insurance Group and enjoy peace of mind!
Is coverage included for floods, earthquakes, and other natural disasters?
Most standard homeowners’ insurance policies cover a wide variety of catastrophes, such as fire, lighting, windstorms, hail, explosions, civil commotion, vandalism, malicious mischief, and theft, subject to policy limits and deductibles.
For the most part, however, flood, earthquake, and volcano damage are not covered by standard home insurance policies. If you live in an area where floods are frequent, you can purchase a special flood protection policy. If you live in an area known for seismic activity, like Oregon or Washington, you also have the option of purchasing supplemental earthquake insurance. If you live near active volcanoes, such as parts of Washington, you can purchase additional coverage for volcanic disasters.
Home insurance protects your home in Beaverton, OR and the personal property you keep inside it. It will make it possible for you to rebuild your home from the ground up if disaster happens. Schmidt Insurance Group can customize a policy just for you. Get in touch with us today at (503) 206-0881 for a free quote, and find out how we can help.
