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Welpland Insurance-Westside
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Home Owners Insurance in Beaverton, OR

How to get discounts on homeowners insurance?

The simplest way to get a discount is to bundle your policies with a single insurance agent. Local insurance agents typically have multiple carrier partnerships and can find you the best deal while bundling. Bundling does not always mean you will have multiple policies with a single insurance carrier. Here is an example where your agent at our agency Welpland Insurance-Westside can help you consolidate, bundle and figure out how to save you money overall –
  1. Personal Auto with Progressive
  2. Home Insurance with Travelers
  3. Umbrella (typically with the Auto Insurance carrier) with Progressive
  4. Boat Insurance with SkiSafe
  5. Business Insurance with Hartford

What are the common exclusions on a homeowner’s insurance policy?

In general, negligence is not covered by any type of insurance policy – but here are some common exclusions for the home owner to be aware of -
  1. Earthquake Insurance (including ground movements, sinkholes, etc)- in earthquake states you are explicitly asked to sign an earthquake insurance waiver. Alternatively you can get earthquake insurance (normally from a different insurer)
  2. Flood damage – the typical home insurance policy does not cover flood damage – you will need a separate flood insurance policy for that.
  3. Mold damage is normally covered only if you had a recent plumbing leak and you take action quickly.
  4. Infestations – insect and vermin infestation (pests) are not covered.
  5. Dangerous Dogs – you are asked about your pets when applying for a home insurance policy specifically because many carriers do not cover a situation where your dog bites a neighbor. In fact, you may not get coverage if you have a dangerous dog; or you may pay a higher premium. Dog bite insurance claims are well over a quarter of all home insurance claims, so insurers are increasingly careful about insuring dangerous pet owners.
  6. To learn more from our experts in the Beaverton, OR and surrounding areas, get in touch with us.

Why does homeowners insurance go up gradually or sometimes suddenly?

This can depend on many factors, but in essence a few key factors are at play –
  1. The size of the pool of people buying insurance in that region/state (areas surrounding Beaverton, OR).
  2. Recent catastrophes – forest fire damage, widespread earthquake damage, or widespread flooding.
  3. An indicative trend in certain conditions – such as data showing that there are more earthquakes in the region as a result of heavy fracking in the area.
  4. Competition among insurers.
  5. Insurance losses.

U.S. States Available

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Welpland Insurance-Westside has other insurance programs like Auto Insurance in Beaverton, OR.