Home Insurance

Your home is the usually the biggest purchase you will make and is your most valuable asset.  At the Trevin Webb Insurance Agency, we will help you find the right fit for your needs with providing quality service and affordable pricing.

Homeowner policies will differ on where you live, the valuables in the home, and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other event, in addition if someone is injured on your property.

At the Trevin Webb Insurance Agency, we have the home insurance specialists that can tailor a specific package to your needs and risks.  We can quickly compare rates to ensure you don’t have any gaps in coverage down the road.

Homeowners insurance policy

  • Property Coverage – to pay for repairs to your home, garage or other buildings that are damaged.
  • Personal Property – if you have a loss of valuables in your home like jewelery, electronics or guns due to theft or damage.
  • Liability – this will cover if there is a claim when someone is injured, or their property is damaged.
  • Medical Expenses – this would be medical coverage for someone that is injured, other than a resident, on your property.
  • Living Expenses – if you have a complete loss, you may need extra temporary housing or food when you’re forced from your home.

There may also be other coverages that you many want to consider in addition to your basic homeowners’ policy. These may include personal umbrella, automobile, flood, earthquake or jewelery insurance. Our producers can help you understand your other risks and help you evaluate whether you may need additional coverages on your home insurance plan.

So, contact us today at 503-667-2820 to find out more about home insurance in Oregon, Washington, Idaho & Arizona.

Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. Trevin Webb Insurance Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Life Changes. So Should Your Policy

The right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

What You Need to Know

The Trevin Webb Insurance Agency can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available and the decision can be over whelming.  First you just need to know the basics then sit down with one of our professionals at the Trevin Webb Insurance agency to determine what fits your family’s needs the best. – You’ve heard Term & Permanent but what does that mean? Below  is how I like to break down the difference’s between Term and Permanent Life insurance.

Term Life:

Term life insurance is the kind of like renting an apartment.  Renting/ Term Insurance: You sign a contract for a set time period (called a term) which is typically 10 years, 20 years, or 30 years.  Renting Term Life insurance is usually inexpensive, especially in comparison to some of the other life insurance options.  At the end of the term, the insurance either runs out or you will have to sign a new term contract. If you are able to sign a new term contract it will be more expensive because you are 10, 20 or 30 years older than when you signed the original contract or if you have any health conditions that are different than you had the prior contract ( health issues etc.).  After your term expires, your age has changed and possibly your health has too. Best case scenario, your still in good health after 20 years (or 30) when your term life insurance expires and if you need another term you can get it.  So I usually find that even after 30 years clients still need something however, it usually is less coverage than what then needed prior to being 50  years of age (mortgage is paid off, Cars paid off, getting close to retirement, kids out of school etc.) however they still need it for final expenses as there seems to be some kind of debt or loss of income should one of the bread winners pass away early (Partner doesn’t retire till age 65 etc).

Permanent:

The Second type is called a permanent life insurance and to explain Permanent life insurance, (I use the analogy of purchasing a house).  When you purchase a house you get a whole list of benefits that renting an apartment doesn’t have. The house is yours. You own it. If you want to paint it in a zebra pattern, you have that ability. If you want to put bars on the windows, go for it. As long as you make the payments, that house belongs to you and the price won’t change. The house will build cash value, you can borrow against it (like a second mortgage) and the house is listed as an asset on any ledger sheet.  Here’s the thing, typically, buying a house is more expensive than renting an apartment. The house is more expensive and there are other financial consideration to keep in mind such as lawn up-keep, trash pick-up, not to mention big ticket expenses like replacing the roof or purchasing homeowners insurance etc.  Purchasing a house is the best option for some people, even though the cost is considerably higher, in most cases, than renting an apartment.  The Benefits are worth the cost to them.  Note: of course there are different types of permanent policies such as Whole life, Flexible universal life, Variable life, and Index universal life. They are all permanent however, different in many ways in regards to their “bells and Whistles”.  As in the book:”Juror number one” (that goes into this more) long and short of it the benefits can be tax free growth (such as a Roth IRA), lock in gains every year (so you don’t loose your gains), allows for access of your money for any reason, at any time and at any age without penalty; Allow you to keep your money invested for as long as you like without penalty; provide a large, income-tax free, payment to the person of your choosing if you died prematurely and can help you retire tax free (More below on this if interested).

Permanent Term
Provides death benefit for loved ones
Death benefit income tax free to heirs
Low initial cost
Serves temporary needs
Serves long-term needs
Coverage for lifetime
Builds tax-deferred cash value
Access to cash value for loans or withdrawal
Lifetime level premiums
Flexible premiums (Variable Universal Life (VUL) or Universal Life (UL))

 

What type of life insurance is best for you? Talk with the team at Trevin Webb Insurance. We can assist in identifying the best protection for you.

Advantages of Life Insurance

Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Life Insurance Death Benefit – When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits – The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for each and every one of our customers is unique. Talk with the Trevin Webb Insurance team today to find out how to protect your family and your future with the right life insurance.

Renters Insurance

Why do you need renter’s insurance? Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renter’s insurance in most cases is extremely inexpensive.

What will renter’s insurance shield against?

At the Trevin Webb Insurance Agency, we know the primary concerns with renting a home or apartment, and renter’s insurance protects you from a range of threats and dangers that would occur with a rented unit. Upon purchase of a renter’s insurance policy, you’re covering yourself against several things like theft, fire, vandalism, lightening, riots, aircraft, vehicles, smoke, falling objects, sudden and instant burst of water, electrical harm and a number of other problems that may happen either at your residence, in your car, or in a storage unit.

Selecting the right amount of renter’s insurance

At the Trevin Webb Insurance Agency, we can facilitate that your valuables are insured. Once you decide the amount of coverage you need, we can tailor a package to fit your renter’s insurance needs.

Renters Insurance Options

  • Personal Property coverage in case of fire, theft or damage.
  • Liability coverage for risk if you were found legally liable for damages.  Such as a dog bite or even if you were golfing and hit someone or something with a golf ball (Yes it happens).
  • Other coverage options also available

As with many kinds of insurance, your premium can rely on your location that you live, the amount of coverage, your deductible, your age, your risk assessment score etc. To recognize the worth of your valuables, keep receipts or take pictures. Some clients even take a video with their phone once a year as our stuff changes and we are constantly adding to it.

To ensure that your valuables can be protected, buying renter’s insurance offers you peace of mind and also the assurance that if something is lost, you may be ready to replace it. Contact us today and learn additional information regarding Renter’s Insurance.

Business Insurance

At the Trevin Webb Insurance Agency, we pride ourselves in evaluating your business insurance needs.  We take the time to find out the different challenges your industry may have for insurance concerns and tailor a package that fits your risks. We also look at other exposures your business may have according to your personnel, location and future plans.

Our top-rated companies work with local businesses as well as global providers to ensure even the worst disaster won’t affect your business adversely.

Business Insurance Experts

At the Trevin Webb Insurance Agency, we can design a specialized package to your property, liability, and casualty needs. We are also proactive in any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

  • Apartment Building Owners
  • Commercial Property
  • Contractors
  • General Liability
  • Commercial Auto
  • Condo Association
  • Professional Liability

***Under Apartment building owners:

The Trevin Webb Insurance Agency has helped many Oregon, Arizona, Idaho & Washington apartment building owners find the right coverage and protection for buildings. We can evaluate your needs and find a customized package for your property. With many top-rated companies, we can find coverage for any type of building.

Apartment building owner’s insurance is designed to protect the building owners and from claims or losses from the ownership of building units. Additional types of apartment building owner’s insurance may also include student housing, senior housing and apartment furnished or under renovation.

Apartment Building Insurance Coverages

At the Trevin Webb Insurance Agency, we understand protecting your Apartment complex is different from other kinds of properties. We can customize an insurance product that will make sure your apartment building can be protected. Our packages can include:

  • Property insurance
  • Business contents
  • General liability coverage
  • Equipment Breakdown
  • Broiler / Machinery
  • Umbrella coverage
  • Employee Dishonesty
  • Workers Compensation
  • Commercial Auto
  • Commercial Umbrella
  • Professional Liability

***Under Commercial property tab:

Commercial Property insurance covers the building that your business owns or rents. A commercial property insurance policy might also cover equipment, computers, tools and furniture. Let the agents at Trevin Webb Insurance Agency evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.

We can also tailor a broad protection policy to fit your commercial property needs. Our goal is to design a package to fit your specific risks and get your business up and running if disaster strikes. We can then provide you with a customized plan that takes into consideration your needs, past loss history, prevention efforts and precautions you have taken for safety control.

Commercial Property protection

Commercial Property insurance is one of the most important types of insurance to protect your business. These are a few of the different types of coverages:

  • Buildings and other structures
  • Furniture & Equipment
  • Inventory
  • Records
  • Computers
  • Improvements to Property
  • Earthquake
  • Glass & Fine Arts
  • Outdoor Fences and Walls
  • Employee Benefits Liability
  • Employers Liability
  • Hired and Non-owned Auto Liability
  • Owned Commercial Auto

Call one of our professional agents for more about commercial property insurance at 503-667-2820.

*****Under Commercial auto:

Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at the Trevin Webb Insurance Agency will help you find the best coverage you need for your business.

Why do you need Commercial Auto Insurance? – In general, if an auto is used in tasks related to the operator’s occupation, profession or business, other than commuting, a commercial policy is necessary.

  • If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
  • Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
  • A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.

What does Commercial Auto Insurance cover? – Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

Most Commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?

  • Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defence.
  • Property damage liability coverage – provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defence.
  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
  • Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
  • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
  • Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
  • Collision coverage – pays for damage to your car when it hits or is hit by another object.

Providing Commercial Auto Insurance

With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs in Oregon, Arizona, Idaho & Washington.

****Under Condo Association tab

Trevin Webb Insurance Agency understands the risks and decisions that follow finding insurance for your Condo Association. We can explain your options for your condo association or homeowner’s association insurance packages.

Our professional agents will explain the many options and features for your condo association insurance policy.

Coverage for your Condo & Townhouse Association

Policies have different options so contact one of our staff at 503-667-2820 for any questions you may have about your condo association insurance policy. We have multiple options for your condo association insurance:

  • Building replacement costs
  • Condo unit owner’s coverage
  • Contents and property coverages
  • Equipment breakdown
  • Loss of fees and extra expenses

****Under Professional Liability

Professional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.  This is one of the biggest gaps we see in companies that provide services who do not have this coverage.

At the Trevin Webb Insurance Agency, we have the experience and expertise to evaluate the risks associated with your service or consultative related business or profession.

Professional Liability can take on different forms or names. Some of the types of coverage included are:

  • Cyber Liability
  • Foreign Liability
  • Liquor Liability
  • Pollution Liability
  • Errors & Omissions

Protecting Businesses

Professional Liability Insurance covers potential losses that are not typically covered with a general liability policy. Some of the businesses / professionals we help are:

  • Insurance Agents
  • Consultants
  • Brokers
  • Lawyers
  • Engineers
  • Accountants
  • Medical Professionals

Give us a call today and let one of our experience agents evaluate the Liability risks unique to your business or profession at 503-667-2820.

****Under General Liability and under ***Contractors Liability

Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your business from these unexpected expenses.

There are many different plans and options when choosing a General Liability plan, and our experienced agents at the Trevin Webb Insurance Agency can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit. Contractors face more risk of accidents or injuries than the average business, so doing an analysis of your business can help in finding the best General Liability plan that fits your needs.

General Liability coverage

General Liability insurance, along with your property and work comp policies, protects your business if you’re sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company. In addition, coverages can be designed to cover additional costs like attorney fees or court costs.

Our agents can assist you in considering all aspects of your General Liability insurance package to give you the most appropriate policy available. We will help you customize a specific plan that works for business. So, contact the Trevin Webb Insurance Agency today to speak with one of our trusted agents about your General Liability insurance & answer any questions you may have and provide you with a General Liability quote.