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- Written by: Doug Hartley
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We offer several insurance options for watercraft. To get a quote, we need:
1. Full name of boat operator(s)
2. Date of birth of boat operator(s)
3. Driver’s license number of boat operator(s) if available
4. Year, make, model, length, and stated value of boat(s)
5. Boat’s construction material.
6. Hull number(s)
7. Type of motor(s) (inboard/outdrive, outboard, etc.) and horsepower
8. Year, make, model, serial number, and value of boat trailer.
If it would be easier, you complete this form online to request a quote. We won’t give or sell your personal data to anyone. We are the agent and will only use this information to quote your boat insurance. We won’t bug you if you don’t buy. Promise.
These items will give us what we need to ensure an accurate quote. Many boat owners argue about the need to provide a driver’s license number. What does operating a boat have to do with driving a car? A driving record on land reflects how the operator will handle watercraft. You can be cited for operating recklessly or under the influence, just as if you were driving a car.
Boat insurance is a lot like auto insurance. You are responsible for the damage or injury you may cause to others. It offers liability insurance to cover piers, boats, and other structures as well as injury to swimmers, occupants of other boats, or pedestrians. Watercraft insurance also covers the hull, motor(s), attached equipment, personal items, and trailer(s). Passenger medical coverage is available. Talk to us about the various optional coverages we have available for watercraft insurance.
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- Written by: Doug Hartley
- Category: Newslider
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RVs, such as motor homes and travel trailers, fit together. They are land conveyances with wheels meant to be temporary mobile housing. However, some RVers live in them full-time. Whether you enjoy them four times a year or every day, we recommend you buy a separate policy rather than add them to your auto insurance. Stand-alone recreational vehicle insurance has all the right coverages and options depending on your need. If you buy from the same company as your auto insurance, you may be entitled to discounts.
To give you a quote, we will need:
1. Full name of the driver(s)
2. Date(s) of birth of the driver(s)
3. Driver’s license number(s)
4. Year, make, model, length, and stated value of the RV
5. Vehicle identification or serial number
6. Value of personal property stored inside the RV
7. Number of days used per year.
Have this information ready when you call us for a quote. We have several companies to choose from to shop for the best price and coverage. You may also complete the online quote request form. We do not share or sell your personal data with anyone. Beware of other online companies that promise to sell you the best rate. Read the fine print. Many of them are NOT insurance agencies or companies. They gather your data and sell it to twenty other companies or agencies. Soon you will be slammed with calls, text messages, and emails. We don’t do that. We deliver your quote, answer your questions, then leave you alone to decide.
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- Written by: Doug Hartley
- Category: Newslider
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The one big difference in Oregon between a motorcycle and an auto insurance policy is the medical coverage for the driver and passengers. Car insurance policies require the company to cover drivers, passengers, and members of the policyholder’s household to be protected against medical claims related to an automobile accident. Medical is not mandatory under a motorcycle policy. It is an option that can be purchased but at a relatively high price.
Why is medical so expensive on a motorcycle policy? Because the driver and passengers don’t have the protection of a car’s steel frame. Other motorists don’t see motorcyclists as readily as other vehicles on the road. A cyclist is a lot more likely to sustain severe injuries in a crash than any other motorist. Often, motorcycle riders rely on their regular health insurance to pay for medical claims following a motorcycle accident and reject the optional coverage available through their motorcycle insurance policy. Of course, if the car driver is at-fault, then the auto insurer would pay the rider’s medical expenses.
To get a motorcycle quote, be prepared to give us the following data when you call.
1. Full name
2. Date of birth
3. Driver’s license number
4. Year, make, model, cc’s, and value of the motorcycle
5. Vehicle identification number.
We’ll ask questions about where the bike is stored when not in use, whether the driver has a motorcycle endorsement, and if the cycle has been modified. You can purchase the mandatory Bodily Injury and Property Damage Liability coverages and optional physical damage insurance to cover the bike. We offer additional limits for helmets, riding gear, and motorcycle accessories. Other similar off-road vehicles include all-terrain vehicles (ATVs), golf carts, Segways, and mopeds.
You can complete an online quote request form if you prefer. We’ll email or text you back the results. We never sell your data. It stays with us, the agent.
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- Written by: Doug Hartley
- Category: Newslider
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Whether you rent a house or an apartment, you are responsible for your personal property. Your landlord doesn’t have to replace your beds, clothing, furniture, computers, and kitchenware if they are lost in a fire. You do. Also, the landlord can hold you or your residents responsible for the damage you may cause to the permanent structure; normal wear and tear are excluded.
Let’s say a fire starts in your apartment, caused by negligence on your part. Maybe you placed a heater too close to curtains or a Christmas tree. If the fire damage is contained to your unit before it spreads to others, your renters policy will cover the loss of your personal property, including smoke damage. It would also pay for the repairs to the landlord’s property. Now, imagine the fire spreads beyond your apartment walls and consumes adjacent units and the contents therein. Will your renters insurance pay for that damage too? Yes, if you have enough liability coverage on your policy. Liability is purchased in increments of $100,000, $300,000, or $500,000. The difference in cost for higher limits is minimal. We encourage you to buy as much as you can. Who knows how far the fire could spread before it’s contained.
Most people don’t consider this one crucial cost. Where are you going to live while your apartment is repaired and property replaced? Your landlord doesn’t have to pay for you to stay in a motel. What’s worse, you must continue paying the monthly rent on your apartment even though you can’t live there. A renters policy contains a benefit that pays for you to stay somewhere else until you resolve your housing situation or the policy’s time limit, whichever comes first. Talk to us about the Loss of Use coverage on your policy. Make sure you have enough.
Now you understand why renters insurance is not only required by landlords, but an essential coverage for your property and damage you may cause. Also, it’s relatively inexpensive at $150 to $250 a year.
Call us for a quote. We need your name, date of birth, and address. You must declare if you have a dog and what breed. Of course, we can discuss how much coverage you need for your stuff. Would you be able to go out and buy everything new for, say, $30,000? You can also complete our online quote request form. We promise not to sell or give away your personal data. It stays with us, the agent.
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- Written by: Doug Hartley
- Category: Newslider
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Commercial or business auto insurance may sound expensive, but sometimes it’s not. Distance driven, type of business, and vehicle use determine the cost to insure your rig for liability. The cost of physical damage coverage is tied to the vehicle’s value and all its attachments and accessories. We have customers who pay as little as $350 a year for a box truck used in the agricultural or floral business. Others pay tens of thousands for a fleet of fully covered vehicles with multiple drivers.
Even if you have a pickup truck that might fit on a personal auto policy, we recommend a commercial policy if you do any kind of artisan, contracting, or sales business. Once you register the vehicle in the business’s name or accessorize it with racks, boxes, tanks, and lifts, it must go on a commercial policy. This requirement doesn’t mean you can’t use your vehicle for personal activities. Yes, business policies cover both commercial and personal-related trips.
When you call for a quote, please be prepared with the following data.
1. Full name of the business owner (the credit score will be based on the owner’s personal credit)
2. Address of the business (can differ from where the vehicles are garaged)
3. Indicate whether the owner is also a driver
4. If the business is a Limited Liability Company (LLC), partnership, or corporation, we’ll need the EIN and the legal business name the way it appears on the documents
5. Principal class or type of business performed
6. List all the drivers, full names, dates of birth, and driver’s license numbers
7. Year, make, model, vehicle identification number, and value of each vehicle insured (split the dollar cost of base model and accessories)
8. Indicate the garaging address and zip code, and how far each vehicle is typically driven from the garaging location, such as 50 or 100 miles or more
9. The liability and physical damage coverages needed (some contracts call for higher limits, like a million)
Commercial lines auto policies are very concise. We need to know about ALL drivers. Let us run the driving record before you decide to include a driver. Many employers will deny a driver employment or disallow them behind the wheel based on the driving record. The younger the driver and more tickets and accidents, the higher the cost of the insurance. We can, however, also include an SR22 on the commercial policy for those who need it.
If your business is subject to registration with the USDOT because of your industry and the size of your vehicles, we will need the business name exactly the way it appears and your account number. We understand if you are a new business and have applied for the number, but it has not yet been issued. Our system allows us to start your policy, intending to revise after the number has been received.
If you are too busy to call, please complete the online quote request form. We can communicate with you by text or email to clarify data. You are busy, and we want to make life easy for you.
Once the policy is in force, we ask that you keep us informed of changes in classification, vehicles, drivers, and locations. We also need to know if a vehicle has been upgraded. One customer forgot to tell us he added $40,000 worth of accessories to his $80,000 truck, and it was totaled. The company only had to pay for the base truck.
We are happy to answer any questions you may have. Call or text us today.