Homeowners Insurance
Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your home insurance claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Maps Insurance can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored homeowner insurance coverage, quality service, and fair pricing.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live—a house, apartment, or condo—the right Oregon home insurance policy can provide you peace of mind and the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Home. Protect your home, condo, or rental as well as everything in it with affordable coverage for homeowners and renters.
We Can Help
Oregon homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which insurance policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Types of coverage
Structural
Covers damage to your home or dwelling.
Personal Belongings
Covers damage to items in or on your home or dwelling.
Liability Protection
Covers your legal responsibility for injuries or damage to other people or property.
Additional Living Expenses
Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.
Earthquake Insurance
Add earthquake coverage to your existing homeowners policy or get it through an affordable standalone policy.
Umbrella Insurance
Get additional layers of liability protection beyond what your homeowners, auto insurance, or other underlying insurance policies provide with umbrella insurance. When the limits of your main policy are exhausted, your umbrella insurance provides a second layer of protection of at least $1 million—and higher limits may be available.
Your responsibilities
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your homeowners insurance policy doesn’t cover damages caused by poor or deferred maintenance on your part.