Home Insurance in Albany, OR

Protecting Your Albany Investment

Whether you live near Riverview Heights Park in north Albany, in the Monteith Historic District or near Linn Benton Community College, your Albany home is one of the most significant investments you'll ever make. At VIU by HUB, we are prepared to help you protect it with Albany homeowners’ insurance.

Your property near the confluence of the Willamette and Calapooia rivers is becoming more valuable. Albany home appreciation is up about 15%. That's why it's more important than ever to make sure you have the proper insurance policy for your home. At VIU by HUB, we can design a custom policy for your exact requirements — the right amount of coverage at the best price.

Insurance For All Kinds of Oregon Weather

Living in Oregon means you can experience all kinds of weather. While we enjoy a climate that doesn't usually bring extreme temperatures, the thermometer can dip below freezing from October to April. Sudden temperature drops or extended freeze can leave your home vulnerable to burst or frozen pipes, potentially causing damage.

Oregon dwellers are no stranger to rain showers, especially in the springtime. Heavy rain and sudden downpours can also wreak havoc on your home. In addition to your Albany, OR homeowners’ insurance, talk to a VIU by HUB broker about flood insurance to make sure you have adequate protection from flooding.

A Safety Net for Other Perils in Albany

The property crime rate in Albany is on par with the average American city. While you don't expect to be the victim of vandalism or theft, it's in your best interest to be ready for anything. Fire can happen anywhere, too. When a peril affects you and your home, it can be frightening and overwhelming. Your Albany, Oregon homeowners’ insurance from VIU by HUB means that our expert agents can walk you through your claim from the moment you call us until your claim is resolved. While you may never have been through an experience with severe home damage, our agents have, and we know what to do to help you.

Whether you experience a partial or complete loss, make sure your Albany, OR homeowners insurance provides compensation for:

• Limited coverage for high-value items such as jewelry and fine art pieces
• Living expenses, such as hotel stays and restaurant costs, if you are unable to remain in your home following a disaster
• Remodeling and reconstruction costs

Liability Coverage When You Need It

No one likes to think of the possibility of a guest becoming injured during a visit. However, these events can and do happen. If someone is hurt on your property, you can be held liable. Ask your VIU by HUB broker about your Albany homeowners insurance policy's liability coverage for accidental injury or property damage.

Lowering Your Homeowners Insurance Premiums

At VIU by HUB, we aren't only interested in providing you with the best coverage for your residence — we also want to help you save money. Your insurance shouldn't be a burden to your budget. Talk to a broker about ways you can save money, such as:

• Raising your deductible: A higher deductible leads to lower monthly premiums. If you have enough saved to cover your deductible in the event of a claim, you can consider raising it to save money each month.
• Improve your credit: A good credit-based insurance score can help you lower your premiums. Ensure you pay bills on time, reduce debt and bring your accounts up to date.
• Install safety devices: Deadbolt locks, fire sprinklers, burglar alarms and smoke detectors can all help protect your home, making it less susceptible to peril.

This information is intended for general informational purposes only and is not intended to constitute legal advice.