How do you determine the Coverage A, Dwelling coverage amount?

There are several ways to value your home and property. There is the appraisal, that takes in to account much more than just the dwelling. It is affected heavily by the current real estate market. There is the tax assessed value. These can be found for Deschutes...

Don’t hire that unlicensed contractor!

While it might be tempting, either because of cost or scheduling, to hire an unlicensed contractor. The results can be disastrous. Obviously, you know that the person doesn’t have insurance or bonding, and if something goes wrong, you’re likely going to be paying out...

Liability coverage. It’s right in the name!

When people ask about liability coverage, many times they ask, “does this cover me for EVERYTHING”? Well first of all, no insurance covers you for everything! But what is really important to understand, is that there must be liability, you must be liable in order for...

Not all water damage is created equal

Most people know that like Earthquake insurance, Flood insurance is not included in a homeowner’s policy. Flood polices can be obtained through a separate policy. Most people who aren’t in a flood prone area don’t think they need it. Let’s identify what a “Flood” is....

Don’t shop on price and lose sight of coverages.

The big insurance companies like to advertise “15 minutes can save you 15%”, or “call us to save $732”. They advertise PRICE and totally disregard coverages. And this drives consumers to shop the same way. When a carrier advertises that “you should’ve bought our...

Should I file a claim?

When you have a loss, this is a good time to get in touch with your agent. I think it’s a mistake for people to rush and call their insurance carriers before evaluating the situation. The first consideration is, what is the deductible. Many claims end up being less...

When can I drop comp and collision?

Many times, when counseling a new client on coverages, the question is asked “do I really need comprehensive and collision coverage”? My answer is this… if you can easily afford to write a check to replace a totaled vehicle, then you may want to go without it. Of...

Changing communities mean changing insurance

Recently a client was asking about some rate increases on his Bend, Oregon home, auto and umbrella insurance policies. I went through all of the usual reasons, but it also dawned on me that part of this conversation has too become about changes in our Central Oregon...

What is an Umbrella anyway?

It's interesting to learn that most people either don't know what an Umbrella is, or think it covers things that it does not. An Umbrella is additional liability coverage over your existing home and auto policies. Liability being damage that you cause to someone else...

I want to share a story with you…

Last year I watched a family struggle after the primary (and only) breadwinner suffered a sudden and fatal heart attack and passed away. His wife, who has been totally dependent upon him, was left with no income, she had no driver’s license, she couldn’t even drive...

Now is the time to insure your Summer time toys!

Whether it's Boats, Motorcycles, RV's, ATV's, or Classic Cars, we have you covered! Watercraft *Agreed value *Captains package: includes coverage for your personal effects, on-land road side assistance for trailer break down *On water towing Motorhomes, Travel...

What is an H S A and why should I have one?

An H S A (Health Savings Account) is simply your own bank account that is ear marked for money that will be “tax free” and used only for health related expenses. To have an H S A, you must have an H S A ELIGIBLE High Deductible Health plan (HDHP). Not every high...

INSURANCE CLAIMS 101:

You hope you don't have to file one, but if you do, there can be more than meets the eye. When people ask me if a "hypothetical" claims scenario would be covered, the answer will almost always be "maybe".  And that is because that is the answer I will get from the...

Why work with an independent agent?

First of all, what is an independent agent?  There are really 2 types of insurance agents; 1) a captive agent, who is an employee of, and only generally sells for one company. (State Farm, Country, All State, Farmers, American Family) And 2) an independent agent who...

Rental Car Insurance… Am I covered?

Your personal auto insurance will cover you to drive a rental car (in the US).  If you have comprehensive and collision, that will also cover physical damage you might cause to a rental car.  If you buy the rental car coverage, that gives you the ability to hand the...

JUNIPER INSURANCE 5TH ANNIVERSARY

  Time flies when you're having fun!  July 2016 marked the 5-year Anniversary for Juniper Insurance.  There have certainly been some changes over the last 5 years, but one thing remains the same, the wonderful group of clients I have.  This business has been built...

HOUSE FIRE! Are you prepared for a total loss?

"Their house is on fire!!" While my extended family and I were playing a friendly, yet competitive game of Cornhole in the back yard of a house in Tumalo on July 3rd, my future brother in law, Ken, yells "Their house is on fire!!" Of course none of us could fathom...