Why does someone need auto insurance in Portland?

Posted on February 28, 2021February 28, 2021 by admin

If you are a resident of the Portland, OR area, you will always have access to many fun and exciting activities. To ensure that you can enjoy all of this recreation as much as possible, having a car is very important. Those who purchase a car in this area of the state will want to ensure they continue to be properly covered. There are several reasons that you will need to have auto insurance here.

Insurance Protects Vehicle

Auto insurance can protect your vehicle. Your car is a significant asset that you will want to use for years to come. A way that you can help ensure this happens is by getting insurance. With a full collision and comprehensive plan, you can get the coverage to help offset many different risks. This can handle the costs of repairs or replacement of parts in a covered incident.

Auto Insurance is Required

Auto insurance will be a requirement for you in the state of Oregon. State law requires all drivers to get liability insurance. If you do not maintain this protection and are caught without it, you likely will be given a fine and could face other penalties as well.

If you are going to buy a car in the Portland, OR area, you will want to ensure you stay properly covered with insurance at all times. Those looking for auto insurance in Oregon should call the Choice One Insurance Inc. team. When you call Choice One Insurance Inc., you can get the support needed to understand your insurance options and answer your questions.

Commercial Insurance Myths Pacific Northwest Business Owners Must Avoid While Researching Policies

Posted on January 22, 2021January 22, 2021 by admin

Choice One Insurance Inc. serves the Portland, OR community, and the surrounding areas by offering residents multiple types of insurance coverage. We are committed to helping our clients find the insurance policies that will allow them to protect their assets.

Commercial Insurance Myths

Small business owners help stimulate the Portland, OR economy. As a small business owner, you must protect your investment. Commercial insurance covers you so that your business will continue operating smoothly. The policy covers your business in the event of a potential liability dispute regarding your employees or customers. You’ll also be protected if your equipment is stolen or vandalized. Commercial insurance will help minimize some of the risks involved with operating a business. While you are researching different policies, avoid some of these common commercial insurance myths.

I Don’t Need Coverage For My Vehicle.

Many businesses make the mistake of believing that they do not need to cover the vehicles that they use for business-related purposes because they have coverage through a traditional auto policy. A traditional auto insurance policy will not cover any vehicles that are used for your business. Commercial insurance is the only way to secure your business vehicles fully.

I Have A Small Business, So Workers Compensation Isn’t Necessary.

Even if you have a small business with only a few employees, workers’ compensation is an asset. The policy protects your business and your employees if they are injured on the job. Having workers’ compensation also helps you attract talented employees and establishes your business as credible throughout the industry.

My Umbrella Policy Covers Everything

This is incorrect. Your umbrella policy acts as a safety net, but you will still need commercial insurance to secure your business completely.

Choice One Insurance, Inc. Will Help You Protect Your Business

Contact our office today to learn more information about commercial insurance.

How to Improve Your Home Insurance in Oregon

Posted on December 31, 2020December 31, 2020 by admin

Your home insurance in Oregon has a lot to do with how much you get from your property investment. If you’re interested in learning more about how to improve your policy, Choice One Insurance Inc. in Portland, OR has a few tips for you. Learn more about steps you can take to bring the terms of your contract up to par.

Talk to Someone Who Knows

It’s one thing to do your research and comb through the legalese on the contract. However, it’s another to talk to someone about the different scenarios that could occur. For example, are you located in an area that is more prone to flooding? If so, what will happen should you need to file for water damage or a mold infestation? Your policy might contain a rider for floods, or it might exclude this event from it. Improving your coverage means taking into account the different things that could happen and then planning for them accordingly.

Take Stock of Your Possessions

Did you buy a new TV this year? Have you been steadily making improvements to the bathroom or kitchen? Because our homes are gradually improved over time, it doesn’t always occur to people to call their home insurance company to tell them about these changes. However, it’s important to keep your limits up-to-date. Otherwise, you might only be reimbursed for a portion of what you actually spent.

Choice One Insurance Inc. knows that the people of Portland, OR value their properties immensely, which is why we have several coverage options to fit nearly any policy configuration you’re looking for. If you need advice or assistance in improving your home insurance policy, contact us today to learn more about our services and talk to our staff.

HOW CAN WE HELP YOU?

Choice One Insurance, Inc

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