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homeowner’s insurance

Owning a home in Portland or Vancouver has its own unique challenges and opportunities. The rain, the sun, and the rain (again!) means that your Homeowner’s policy should be tailored to your property’s unique setting. And since our homes are often our sanctuary in a hectic world it is crucial that we protect them the best we can afford. Regardless of the value of your home in and around the Portland Metro area, a homeowner’s policy is necessary for the protection of your personal property and also your personal liability exposures.

A homeowner’s policy in Washington or Oregon covers not only your dwelling and personal property, it also includes liability insurance that protects you in the event that someone is injured or their property is damaged by you, your family, or your pet. In addition to protection for your home, there are several other types of additional insurance you may purchase that will cover a variety of things such as floods, earthquakes, jewelry, art, antiques, and special collections.

Without a plan, you may be over-insured in some areas and under-insured in others. With that in mind, our Biggs Insurance agents will work with you to customize the best coverage possible to protect the financial security of your family. That’s what we do best.

Keeping up with the seasons: time for fall tasks

It's about time for cooler weather here in the PNW! Whether or not you're psyched for milder temps and rain, if you're a homeowner, you ought to read this piece from our friends at Cincinnati - it goes over several tasks to prep for the onset of fall. We’re less than...

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Older homes: hidden gems, or hidden pitfalls?

As lovely as older homes can be, there are several things to be mindful of that can add significant costs and even make it tricky to secure home insurance. Make sure your inspector checks for these six types of issues, described here by our friends at Cincinnati....

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5 ways to protect your home from wildfire embers

The Oregon Bootleg fire has been making national headlines recently, with many experts stressing that we can expect to see more frequent and intense fires throughout the summer and beyond. One potential danger that may not get quite as much press is ember intrusion,...

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Winterkill: how to repair winter’s damage to your lawn

Last month's snow and ice storms impacted many of us in the Portland/Vancouver area - hopefully by now, any downed branches or power outages have been remedied, but have you considered the damage to your lawn? Here's an article to help you determine if your grass will...

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Questions to ask your home inspector

With interest rates at impressive lows, a lot of folks are becoming first-time homeowners - here, our friends at Travelers provides some guidelines to choosing a qualified inspector. Check out the video on the original page (linked to at the bottom of this article)...

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5 reasons celebrities insure their jewelry (and why you should too)

While this article from our partners at Chubb was from a pre-COVID era, we can nevertheless expect to see some celeb bling this spring, as the Oscars are still slated to take place - and it's still solid advice on why you may want to look into adding an endorsement to...

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Common winter weather claims and how to beat them

It might surprise you to learn that ice, not snow, is one of the likeliest causes of winter weather-related homeowners insurance claims. Here, our friends at PEMCO talk preventative measures you can take against ice, windstorms, and excess runoff. Perspective recently...

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Chill in the air? Here’s how to safely heat your home and patio

Colder temperatures are starting to arrive here in the PNW and across the nation - but before you crank up that space heater, make sure to read this comprehensive safety guide from our friends at The Hartford. It covers gas patio heaters and fireplaces, too, including...

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Questions to help set home replacement cost

Does this sound familiar: you're going through a detailed application for homeowners insurance, and you arrive at a question asking for your home replacement cost... you're left scratching your head - where to start?! This guide from our partners at Cincinnati is a...

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Differences between FHA and conventional loans

If you’ve decided to buy a home or refinance your existing mortgage, one of the first things to consider is what type of mortgage loan is best. Conventional mortgage loans and Federal Housing Administration (FHA) loans are two of the most common options for first-time...

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