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Serving the Pacific Northwest for over 60 years

503-227-1771

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home insurance - coverage for homeowners

The most valuable item most people own is their home.  At EPB&B, we recognize that, so our priority is to make sure you have the best possible home insurance coverage for your situation.

Diana

EPB&B Personal Lines Manager

Diana Van Dyke

We're well-versed in the ins, outs, and pitfalls surrounding home ownership.  Every year, we fully review your policy and its coverages.  We represent the best companies in the Northwest for home coverage.

In addition to the liability and usual property coverages, we can also supply flood and earthquake insurance at competitive prices.

And, if the unthinkable happens, we have an in-house claims department that you can call directly.

  


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Friday, a Multnomah County jury denied a Portland couple's claim against their insurance company after the insurer refused to cover damage to their home, which was destroyed when it slid down a hill in 2008. 

Earth movement and land slide are common exclusions found in most homeowners policies.  To get a quote on earth movement or land slide coverage contact EPB&B at (503) 227-1771.

Oregon is among the states at highest risk for a major earthquake yet only about 20% of Oregonians have earthquake insurance.

Your standard homeowners policy will not cover you against earthquake but earthquake coverage is readily available and relatively inexpensive - often less than $300 a year for a $300,000 wood-frame home.  

January 26th marks the 310th anniversary of the last great earthquake to strike this area.  The 9.0 magnitude Cascadia Subduction Zone earthquake was centered 75 miles offshore and damaged coastline from Northern California to British Columbia.  A 10,000-year geologic record shows that mega-quakes occur every 300 - 600 years, putting Oregon within the window of a major earthquake.  

Consumers who wait to buy insurance until after a tremor will be too late:  Insurance companies typically suspend sales of earthquake insurance for a period of time after a local seismic event.  If you are interested in getting a quote for earthquake insurance on your home or business, call our office (503) 227-1771.

 

Heating your home in the winter months shouldn't be dangerous.  But accidents with space heaters can cause disaster. Avoid becoming another grim statistic with these precautions:

  • Buy a reliable heater.  Look for the label stating that your space heater has been approved by an independent testing labratory and meets safety standards.  Choose models with safety features like an automatic switch that turns off the heater if it tips over.
  • Give it plenty of space.  Place your space heater at least three feet away from anything combustible - furniture, draperies, newspapers, etc.
  • Check your cords.  Don't use equipment with cords that are frayed or damaged in any way, and don't plug your heater into an extension cord.  Be sure not to overload your circuits.
  • Maintain your smoke detectors.  Your house or apartment should have working detectors for smoke an carbon monoxide.  Test them thoroughly and frequently.
  • Don't leave your heater unattended.  Turn it off when you go out.

 

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