Property Insurance in Oregon

If you thought your home was the only property you should buy property insurance in Oregon for, then you thought wrong. You probably have a few other properties tucked away somewhere that you didn’t realize need coverage as well. It’s best to discuss all of your assets with your insurance provider to find out just what your basic homeowners insurance will cover and what you should avail separate coverage for.

Optional Coverage to Consider for Property Insurance in Oregon


  • Secondary Residence Premises – Let’s say, aside from your primary home, you have a rest house tucked away somewhere in the countryside. While you might think you have to avail of a completely separate policy for that property, you can actually avail of secondary residence premises endorsement that will include your summer home in your primary property insurance in Oregon. To get a better understanding of just how extensive that coverage might be, make sure you discuss your concerns with your insurance provider.
  • Watercraft Endorsement – If you own a sailboat, and outdoor motor boat, or any other water transportation vehicle for that matter, you can include this in your policy. Property owners in particular choose to extend the coverage for personal liability and medical payments coverage when it comes to this type of supplemental coverage as the likelihood of injury on these properties is very high.
  • Theft Coverage Protection Endorsement – This type of endorsement will make it possible to broaden the coverage offered for the contents of your trailer, motorized vehicle, or water vehicles even without proof of forced entry. If you have any of these properties and keep any sort of installments, attachments, or possessions on or in them that you consider valuable, you should definitely avail of this coverage.
  • Credit Card Forgery and Depositors Forgery Coverage Endorsement – This particular endorsement will cover you for the theft, loss, or unauthorized use of any credit cards that are located in your home. This will also protect you against forgery of any documents that could take away from your funds and finances. Insurance providers will not charge you a deductible for this type of claim due to the fact that you may have already incurred losses in the first place. Discuss your concerns with your insurance provider and give a detailed account of the cards and other financial documents you keep in your property to find out if you need this type of endorsement or not.

How to purchase individual medical insurance

More and more Americans today are purchasing their own individual health insurance, but the process is anything but simple or straightforward.

Sure, the passage of the Affordable Care Act was supposed to make the process for purchasing medical insurance just as easy and as effortless as getting out of bed. But not only is it a challenge to purchase quality health insurance, but it is anything but affordable for most.

Here are important things to consider when you go out looking to purchase medical insurance.

Do your research in advance

You are going to want to be 100% certain that you know exactly what you’re looking for when it comes time to purchase individual health insurance.

You are going to want to know:

  • The state of your health as it sits right now, and any anticipated health issues in the future
  • The types of coverage options that you want to take advantage of
  • Exactly how much money you’re willing to spend on health insurance

… And that’s just the tip of the iceberg!

Spend time researching all of your different options available online before you visit any of the health insurance marketplaces. You’ll want to know what you’re looking for before you are presented with any choices.

Don’t let price the your determining factor

Most people are looking for the least expensive medical insurance, and it’s easy to understand why.

The majority of people protected by health insurance may not have to take advantage of it all that frequently, and spending a lot of money every month on something that you aren’t getting to leverage just doesn’t make much sense.

At the same time, you need to find the most valuable medical insurance for your specific needs. You want to be sure that you are covering yourself completely and comprehensively. That may require you to spend a little bit more on your health insurance the and you expected or anticipated.

Yes, the cheapest plans out there are definitely going to be very enticing. But if they involve cut rate coverage that won’t protect you it’s almost worse to spend money on those plans! Do your research, handle your due diligence, and be certain that you’re getting a quality plan that won’t break your budget or cripple you as far as coverage is concerned!