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Liability Risks That a Tenant Should Consider

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Your rental property could cause injuries or damage to property. Have you considered the risks associated with your rental? Review the categories that follow. Then, modify your rental insurance policy as you see fit.

Slip and Fall Risks

A slip-and-fall could be serious. A person who slips while staying in your rental could become injured and require medical intervention.

If you do not have adequate liability protection, you could be responsible for paying any medical bills that the injured person incurs. The injured person could sue you, ultimately leading to you being held responsible for the injury that occurred.

Potential Physical Damage

Physical damage could occur, and you could be held liable. For example, a person’s vehicle could be damaged while parked on your rental property.

Damage to a person’s personal belongings could take place within your rental. If you do not have renters’ insurance, you could be responsible for paying for any damage for which you are found at fault.

Conducting a Rental Assessment

Conducting an assessment of your rental property is an easy way to determine what type of insurance protection you need. During an assessment, you should plan on recording information about any liability risks that you have determined.

If there are steps inside your rental unit, for example, you may be concerned about the possibility of someone falling down the steps. Keeping a careful record of any liability risk that you have discovered will help you acquire the proper amount of renters’ insurance coverage.

Updating Your Renters’ Insurance Policy in Oregon

Contact one of our agents at W.B. Adams Company. An agent who serves Beaverton, OR will update your renters’ insurance policy for you. They will increase the type of liability protection that you have selected.

Is Technology Making the Road Safer for Motorcycles?

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Motorcycles have always been at a disadvantage when it comes to driving on the roads. While any type of vehicular accident is never pretty, anytime those incidents involve a motorcycle, it is never a fair fight. That’s why so many people who own and ride motorcycles in the Beaverton, OR area rely on the professional and experienced team at the W.B. Adams Company for all their motorcycle insurance needs. Insurance is the only leverage riders have when they are involved in an accident.

Can Technology Improve Road Safety for Motorcycles?

While the road will always have its share of concerns and risks, and not only for motorcycles, advancements in technology could be making a difference. In fact, in many ways, technology is making the roads a safer place for motorcycles, too. From technologies like V2V (vehicle-to-vehicle) systems to adaptive headlights and much more, technology is now providing drivers with many safety features and benefits. These advantages also equate to ideally safer roads and, specifically, fewer accidents.

The truth, however, is that regardless of how safe technology and other advancements can make driving, accidents will always be a risk. That is also why motorcycle owners in the greater Beaverton, OR area rely on motorcycle insurance solutions for the protection they need on the road.

Motorcycle Insurance for Beaverton Motorcycle Owners

Would you like to learn more about motorcycle insurance solutions or need coverage for your bike? If you live in or around the Beaverton, OR, area, we can help. Contact us to learn more and get the motorcycle insurance solutions you need and deserve at the W.B. Adams Company today.

Supplementing Medicare With Other Health Insurance Plans

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Reaching the age where you can apply for Medicare may feel like you’re finally out of the woods regarding high insurance costs. But while Medicare can cover a lot, it doesn’t cover everything. As a Medicare receiver, you might wonder whether you can get separate policies outside of Medicare Part A or Part B to help you better manage your health and expenses. Let’s closely examine what supplementing Medicare may look like and how you can get the best results by contacting us here at W.B. Adams Company in Beaverton, OR to find the right health coverage. 

Supplementing Medicare With Other Health Insurance Plans: What to Keep in Mind

Can you supplement your current Medicare plan? Absolutely! But there are some things to know ahead of time. There are two kinds of supplementation: Medicare Gap coverage and outside private health insurance. By adding another Medicare plan that covers certain costs, like a prescription drug plan, you can ensure you’re covering what you need. However, you may need to meet certain requirements to accomplish this.

On the other hand, you can get a private health insurance plan that acts as a secondary payer, covering costs you can’t pay once Medicare foots the bill for your healthcare visits and treatments. No matter which supplementation plan you decide to pursue, take great care to look over everything and see which is possible and which options will save you the most money. Never spring for the first thing you can get, as this may not be your best option. 

Find Supplemental Insurance With W.B. Adams Company

Ready to make your approach to healthcare work for you? Work with us at the W.B. Adams Company in Beaverton, OR to find private health insurance that will bolster the support you get from your Medicare plan. Compare quotes now!

Natural disasters and home insurance coverage

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Natural disasters are severe weather events that pose a threat to property or human safety and health. Since 1980, there have been 395 such events. Up to November 1, 2024, 24 in the United States caused over 1 billion dollars in damage. While it’s impossible to be prepared for every natural disaster, especially with the increasing frequency due to climate change, home insurance is one of the best safeguards you can have. At W.B. Adams Company in Beaverton, OR, we are here to help our customers secure the coverage they need to be protected.

Potential Natural Disasters

Some natural disasters, such as severe thunderstorms, floods, and extreme heat, can occur anywhere in the country. However, hurricanes, tornadoes, volcanoes, landslides, tsunamis, wildfires, and earthquakes are more prevalent in certain areas. In Oregon, many of these are a danger.

Does Home Insurance cover Natural Disasters?

This is a complex question. The honest answer is that some are and some aren’t. Heavy wind, tornado, and hurricane damage are covered by most home insurance unless they are specifically excluded. If they are excluded, you should be able to buy an additional policy to cover this type of natural disaster. However, when it is covered, it doesn’t cover any flood damage that may result from these types of events. Flooding requires separate flood insurance, which is offered by the NFIP.

Most home insurance policies cover fires, including wildfires, but in areas that are prone to wildfire, they may be excluded. Landslides and earthquakes are also excluded. Essentially, talk to your insurance agent to ensure you have the protection you need.

Contact our office at W.B. Adams Company in Beaverton, OR, to discuss your home insurance needs.

Five Top Classic Car Shows and Events Near Beaverton, OR

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 #1. Forest Grove Concours D’Elegance 

The annual classic car show, hosted by the Rotary Club of Forest Grove, is approaching its 52nd year of providing sneak peeks at local classic rides. It is held annually at the Pacific University Campus. 

 #2. Spring Classic – Portland

The Spring Classic showcases vintage cars, hot rods, and custom classic vehicles at its annual spring car show, which is one of the largest classic car shows in the Northwest. Portland Transmissions has organized this event for the past 28 years, offering free entry and awards for registered vehicles. 

#3. Beaches Summer Social and Crusin

While the Summer Social and Crusin event for classic cars officially announces its last year of operation as 2024, their website still has information on previous events. The website provides information for local classic car enthusiasts seeking the best car shows featuring food, drinks, and entertainment near Beaverton, OR. 

#4. Rose City Roundup at the Shilo Inn 

The Rose City Roundup is one of the best local shows and is cruising toward its 15th year in operation on the third Saturday in June each year. Its classic car lineup includes vintage vehicles and motorcycles manufactured from the mid-nineteen sixties to the early eighties. 

 #5. Cruisin Sherwood 

The Sherwood Chamber of Commerce hosts an annual two-day show that includes cruising, awards, live music, and a neighborhood-wide block party. Are you preparing for next year’s shows and need to safeguard your ride with classic car insurance? 

Contact W.B. Adams Company for a classic car insurance quote in Beaverton, OR, today!

How Renters Insurance Covers Theft, Both at Home and Away

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Renters Insurance: Protecting Your Belongings from Theft

Life is full of surprises; unfortunately, not all are pleasant. Theft can happen when you least expect it, whether you’re at home or traveling. At W.B. Adams Company in Beaverton, OR, we want to ensure you understand how renters insurance can protect your belongings from theft, no matter where you are.

Protection at Home

Your home is your sanctuary, but it’s also where many thefts occur. Renters insurance provides coverage for your personal belongings in case of a break-in or theft. If someone steals your laptop, jewelry, or other valuables, your policy can help reimburse you for the loss. Knowing that your cherished items have a financial safety net is a comforting thought.

Coverage While Traveling

Did you know that renters insurance can also cover theft outside your home? Your belongings can still be protected whether you’re on vacation or just out running errands. If your luggage is stolen from a hotel room or your phone is snatched at a café, renters insurance can help cover the cost of those items. This added layer of protection ensures that you’re never caught off guard.

Peace of Mind Wherever You Are

Renters insurance means you can go about your day with one less worry. It’s about feeling secure at home and confident when you’re away.

Get Covered with Renter’s Insurance in Oregon

Don’t wait for an unfortunate event to make you realize the importance of renters insurance. Contact W.B. Adams Company in Beaverton, OR to learn more about how our policies can protect you from theft at home and on the go. Our team is ready to help you find the coverage that fits your lifestyle. Reach out today and enjoy peace of mind wherever life takes you.

What could occur if I dont have proper motorcycle insurance in Oregon?

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The Importance of Motorcycle Insurance in Beaverton, OR

Living in the Beaverton, OR area, it’s essential to make sure that you have the right kind of insurance. If you’re a motorcycle owner, this means having a comprehensive motorcycle insurance plan. Several compelling reasons exist to get this coverage, including avoiding negative consequences. If you don’t have a proper insurance plan, you may face future difficulties.

Potential Loss of Vehicle

One common consequence of not having adequate motorcycle insurance in Oregon is the potential loss of your vehicle. If you are not covered with collision or comprehensive motorcycle insurance, you’ll have no support if your motorcycle is damaged in an accident or stolen. Replacement can pose a significant financial burden as motorcycles can be costly, and you need to source funds personally.

Violation of Agreements

Lacking a comprehensive motorcycle insurance plan can also lead to violations of multiple agreements. When buying a motorcycle, you might take out a loan, typically requiring full insurance coverage. Moreover, the state law mandates at least liability coverage. You could face various penalties if a motorcycle insurance policy does not correctly back you.

When you plan to get a motorcycle in the Beaverton, OR area, ensure you have a suitable motorcycle insurance policy. When looking for coverage in this area, consider reaching out to our team at the W.B. Adams Company. We will help you assess your options and build a plan that provides the necessary support to safeguard your vehicle.

Health Insurance for Moms-to-be: What are the Options?

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Beaverton, OR couples who are thinking about starting a family should plan ahead to ensure they have sufficient healthcare coverage. Health insurance for a mom-to-be can cover various expenses, including prenatal tests, ultrasounds, doctor visits related to the pregnancy, delivery, postpartum care, and care for the new baby.  

Thankfully, there are many ways to get health insurance coverage before pregnancy. Each option has pros and cons, so weighing them up is wise to find the best choice.

Coverage Through Your Employer

Do you have a full-time job with a business that offers healthcare coverage? If so, check your policy to ensure it covers pregnancy-related care. You’ll also want to learn more about your co-pays and deductibles to make intelligent financial plans.

Open Enrollment

The open enrollment period for ACA healthcare plans runs from November 1 to January 15. During this time, you can explore plan options and either purchase a new policy or switch to a policy that better meets your needs. 

If you miss open enrollment, you may be able to sign up for an ACA plan if you meet specific criteria. These include getting married, divorced, moving to a new ZIP code area, and losing your current health plan due to employment changes. You can also qualify for special enrollment if you experience significant changes to your income. 

Get Insurance Help from W.B. Adams Company

The W.B. Adams Company offers a range of health insurance options to meet the needs of Beaverton, OR, moms-to-be. Contact us to find out more or to get a policy quote. We’ll work with you to ensure top-tier healthcare coverage best fits your current situation.  

Does Car Insurance Cover Multiple Vehicles?

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Owning multiple vehicles requires an insurance policy tailored to your unique situation. At W.B. Adams Company in Beaverton, OR, our team of qualified insurance professionals is ready to help you find the right policy, whether you have one, two, or more cars in your garage. If you’re unsure about the type of policy that’s ideal for you, we’re here to help.

Does Car Insurance Cover Multiple Vehicles?

Generally, an auto insurance policy typically covers only your primary vehicle, the vehicle you use most often, and is listed on the policy. However, if you own more than one vehicle, it’s time to look into other car insurance policies that cover your additional vehicles. You may even be able to secure a multi-car insurance policy designed to protect more than one car, which could be an ideal option for you.

Whether you have a partner, child, or other family member that needs to be added to your coverage, or if you need to add their vehicle to your policy, our representatives can help you find a policy that fits your unique situation. We’re skilled at listening to your circumstances and finding an adequate insurance policy that meets your needs.

If you have any questions about how many cars you can add to a policy or the insurance process if you decide to purchase another vehicle, call us at W.B. Adams Company in Beaverton, OR, today!

Business Uninterrupted

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A business interruption is never convenient. However, investing in business interruption insurance can help keep your doors open even when you can’t conduct business. Suppose a tree falls onto your commercial property requiring you to shut down and fix the damages. In that case, it could result in a loss of thousands of dollars in income. Nevertheless, the team at W.B. Adams Company in Beaverton, OR can help secure business interruption insurance to cover your losses while your business is closed.

What Is Business Interruption Insurance?

You can benefit from business interruption insurance regardless of whether you own or rent your business premises. It covers expenses and revenue affected by covered events. It caters to your rent or mortgage payments and employees’ wages. Depending on your policy structure, it might also cover relocation costs, taxes, and overhead costs while your business is interrupted. But remember, you must have property and liability insurance to add Business Interruption (BI) to your policy.

When Does BI Kick In?

BI usually starts after a specified waiting period and continues while you make necessary repairs. Talk to one of our knowledgeable agents to discuss different options suitable for your company.

What Business Interruption Insurance Does Not Cover

It’s crucial to know what business interruption insurance does not cover. You’ll need separate coverage for damages resulting from floods or earthquakes. In addition, BI doesn’t cover costs associated with viruses or pandemics. Ensure to include all business expenses in your financial records to make them eligible for business interruption coverage. Note that most BI policies do not include utilities since they’re a variable cost associated with ongoing business expenses.

If you wish to discuss what BI does and doesn’t cover, a knowledgeable agent from W.B. Adams Company in Beaverton, OR would be pleased to assist. Contact our friendly staff today to schedule an appointment!

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