Whats the big deal about insurance?

Insurance is something the majority of people never fully understand. They buy it because it's required; either by law, lendor or lessor. Many people only have it because it's required and they don't understand the benefit to them. Even more alarming are the number of people who ignore the law and drive uninsured on our roads every day.

What would happen to you and your family if you were
struck by an uninsured driver?
Who would pay for the medical expenses and
damage to your vehicle?

Normally the driver that hit you is required to pay the bills for these things; but that could involve going to court, which is no quick process, and then there is the matter of the responsible driver's ability to pay.

What if you came home one day to find your house or apartment on fire?

Do you have enough coverage to rebuild and replace what you have? Or do you just have enough to satisfy the requirements for insurance on your loan or lease? If you had to replace every item in your home today how much coverage would be enough? More than you think...

My goal here is to help people understand insurance and how important it is to have the right coverage. I've worked in the industry for 7 years and had the conversation with someone who didn't see the need for the coverage I was recommending to protect them. When they had a loss all I could say was "I'm sorry you don't have coverage for that".

My agency focuses on knowing our clients and making certain we help them choose coverage that is best for their individual situation. We sell insurance, a piece of paper and a promise to be there when you need your coverage. There is nothing more important than making sure each policy I write is the best for each client I serve.

I welcome your insurance related questions even if you're not a client or don't even live in the Portland area. The best insurance starts with understanding your needs and then selecting the best coverage you can afford, not some one size fits all policy that will leave you exposed when a loss happens.