Home Insurance Happy Valley, OR
Home insurance is designed to protect your home and personal property in Happy Valley, OR, and help you rebuild your home from the ground up if the unthinkable happens. Schmidt Insurance Group will customize a policy just for you.
Schmidt Insurance Group opened its doors in 2019 with a goal of making insurance easy while providing exceptional customer service. We proudly serve the local Portland area and all of Oregon and Washington. Our office is full of born-and-raised Oregonians!
About Home Insurance
Home insurance, also called homeowners insurance, provides you with financial protection in the event of a disaster or accident that involves your home.
Dwelling Coverage: This pays to repair, rebuild, or replace your home and detached structures on your property, such as a garage, gazebo, or tool shed in the event of a fire, wind, hail, theft, vandalism, water damage from burst pipes, and other destructive events that are listed in your policy.
Personal Property Coverage: This covers the furniture, clothes, sports equipment, appliances, computers, and other personal belongings you keep both on and off the premises if they are stolen or destroyed by fire, hurricane, or other insured disasters. Jewelry, art, antiques, and collectibles are covered, but there will typically be dollar limits.
Liability Coverage: You can be found liable for injuries that occur in your home, on your property, or when you’re away from home. This coverage will help cover your liability for any injuries or damage caused by you or members of your family (including your household pets).
Additional Living Expenses (ALE): This coverage pays to reimburse you if you can’t live in your home because of damage caused by an insured disaster. It covers hotel expenses, restaurant meals, and other costs over and above your usual living expenses that you incur while your home is being rebuilt.
Things You May Not Know Are Covered
Did you know that even the most basic home insurance policy can cover other unexpected things? Here are five things you may be surprised to find that your homeowners policy covers:
- Medical bills for guests who get hurt in your home. Your homeowners policy will provide coverage whether you were responsible for the injury or not.
- Charges from the fire department. If the fire department charges you for responding to a fire alarm, most home insurance policies cover those fees (to a specified limit).
- Your trees, plants, grass, and garden gnomes. Suppose someone drives through your front lawn and damages your yard. Your home insurance policy can help you replace your damaged trees, petunias, and grass (to a specified per item limit).
- Your college student’s property. If your dependent child is a full-time student who lived on campus, things like a stolen laptop should be covered by your home insurance policy. (If he or she lives off campus in an apartment, he or she will need renters insurance.)
- Food in your fridge. Most home insurance policies will also cover the food in your fridge if, for example, a big storm knocks out the power and everything in it spoils. In general, coverage is limited to $500.
When you own a home in Happy Valley, 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! Contact us today at (503) 206-0881 for a free quote, and see how we can help.
