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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.

  


 Articles in this category


 

Bed bugs are all over the news lately, showing up in places other than bedrooms.    It is believed that due to the rise in international travel and the use of less toxic pesticides, bed bugs have been making a comeback.  These little creatures are easy to pick up and difficult to remove. 

Experts say that a national infestation of bed bugs has rolled into Portland and calls to pest controllers have nearly tripled in the past two years.  If you don't have bed bugs now, there is a high likelihood you might some day.  While bed bugs don't spread disease and are not a threat to public health, they are tops in the nuisance category.

To make matters worse, a typical homeowners insurance policy would NOT cover an infestation of bed bugs.  Most standard homeowners policies contain an exclusion for damage from birds, vermin, rodents or insects.  The same is true on a commercial property policy which excludes damage caused by nesting or infestation by insects, birds or rodents. 

 

Your home is your castle, right?  But is your home really safe once you leave for work?  According to statistics, a theft occurs every five seconds.  The majority of home burglaries occur during the day when most people are away from home.  During the summer months of July and August burglaries occur more often than any other time of the year. 

 

Gone in six seconds:

The attached Youtube link demonstrates just how easy it is for an experienced burglar to break into your home through your garage in less than six seconds.  Experienced burglars know that the garage door is usually the weakest point of entry, followed by the back door.  To prevent this type of home burglary, simply remove the pull string and zip tie the release lever. 

Yard tools may seem safe, but each year, nearly four million people are admitted to hospitals across the country because of accidents involving these seemingly harmless pieces of equipment.  It is very important to remember that all tools can be very dangerous if they are used improperly.

 

The majority of the accidents are caused by people using the wrong tool for the job, or otherwise using a tool for something other than its intended purpose.  You must always use tools for the job they are intended to do, because accidents are unpredictable, and one becomes especially vulnerable when they are not expecting one to occur.  After you are sure that you are using the correct tool, some of the following precautions may help you avoid an accident:

 

  • Wear safety glasses or goggles
  • Never adjust a power tool while the motor is running
  • Inspect the work area before you start, and clean up if necessary
  • Store pesticides and herbicides out of the reach of children
  • Ensure that all tools are properly sharpened
  • Ensure that all tools are cleaned and free of rust
  • Check that power tools are equipped with the proper safety mechanisms
  • Clean your work area when you are finished
  • Keep your tools in a safe place, out of the reach of children
  • Ask for information or assistance when you need it

 

For many people, yard work is a great way to relax and enjoy a little fresh air.  It is also a good way to get exercise while beautifying your home and community, but if you don't take the proper precautions when you work, a relaxing afternoon in the yard can become a quick trip to the emergency room.  Work safe and use your head when you take care of your yard.

QUESTION:  "Is a computer provided by my daughter's school for use while she is attending college covered for theft out of her locked room while she is out of the room"? 

 
 
 
 

 

Toward the end of the school year, someone came through her suite-mate's room, through the bathroom, and into my daughter's room and stole the computer she had signed out to her by the school.  I just received a letter from the school stating that she had to pay $1,600 before she would be allowed to return to school.  Does my homeowner's insurance pay for such a loss? 

Americans fire up barbeque grills more than three billion times a year, according to the Insurance Information Institute.  Each year U.S. fire departments respond to an average of 7,900 home fires involving grills, hibachis or barbecues. These fires cause an annual average of more than $80 million in direct property damage.   Firing up your grill is a great way to kick off a summer full of outdoor fun.  Since an improperly handled grill can cause fires, exercising common sense will help keep your summer from becoming tragic and costly.  

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