Home Insurance

Purchasing homeowner’s insurance can get confusing, and at High Desert Insurance we understand this. Although you are not legally required to purchase home insurance as you are with car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance we are here to help. High Desert Insurance is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available.

Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic Oregon homeowner’s insurance policy will cover the following:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

You can also add supplemental policies such as:

Valuable Articles/Floater policies (i.e. Jewelry Insurance, Fine Art, Firearms)
Flood policies
Earthquake policies
Umbrella policies (additional liability)

The needs of every home owner are different and your home insurance policy should reflect that. The agents at High Desert Insurance will create a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner’s insurance policy options.