Do I Need Portland, OR Renters Insurance? Img ©
Movoto published a great list of things you need to know about Portland before moving there, and many of them have the potential to give rise to claims. Let’s take a look at a few of them and see why you need Portland renters insurance.
Portland Is Coffee City, USA
Many people in Portland are coffee snobs. There are almost 9000 coffee shops in the city, so you won’t have to go far to get your fix. But Portland is also a city on the move. Many folks don’t sit in the coffee shop and enjoy their cup of joe, they take it with them and continue running to wherever it was they were going.
When you’re walking down the street with a cup of coffee, you’re distracted. There’s a very good chance that you could be distracted so much that you end up spilling your hot coffee on some poor passer-by. Hot coffee hurts, at best. At worst, it can cause serious injury. Just ask that lady with the McDonald’s coffee years ago.
What happens if you injure someone on the street with your lethal coffee? You’ll be expected to pay for their injuries. The health insurer may pay up front, but they’ll shortly be coming to you for reimbursement. The health insurer wouldn’t have needed to make those payments but for your negligent actions, so they’ll look to you.
Portland renters insurance will defend you against those claims as well as pay them, should it come to that.
Alcohol Is A Significant Part Of Local Culture
That’s not a bad thing in and of itself, and the vast majority of people understand moderation. There are more local brews than you can ever find the time to sample, and IPAs are part of the local flavor, so to speak. That doesn’t mean there aren’t plenty of other options, though.
Portland also has a strong biking and walking culture. That means that, instead of driving home drunk, people are often walking or biking home drunk. While that’s often less dangerous than driving under the influence, at least to other people, it opens up a whole separate set of risks that a DUI doesn’t. What if you try to enter the wrong house and the resident falls down the stairs while trying to get you to go away? You caused that injury, because it wouldn’t have happened without your actions.
If you fall on someone and injure them, the same concept would apply. On the other hand, if you trip and fall into someone’s car, you’ve then caused property damage that you’ll be responsible for. Those costs add up quickly, as well. Renters insurance in Portland can potentially cover those losses so that you don’t have to.
Bike City, USA
Portland is Bike City, USA. Everyone knows it. If you drive a car, you have auto insurance to protect you if you cause bodily injury or property damage by operating that vehicle. But who has bicycle insurance? Is that even a thing?
Anyone who has Portland renters insurance has bicycle insurance, so yes it’s absolutely a thing.
To be clear, you can’t get coverage for damage you cause to your own bicycle by running into something. What you do have is coverage for bodily injury that you cause to others while riding your bike. You’ll also have coverage for property damage that you cause to someone else when on your bike. Whether you accidentally run into a person or a thing, you can look to your renters policy.
Don’t forget that the same renters policy can cover you if your bike is stolen, as well!
These are just a few of the local risks that renters insurance in Portland can protect you from. You’ll find that every city in America has its own local character and culture, and often times that character and culture can expose you to a variety of different risks that you might not have considered if you didn’t grow up with them. That’s why it’s important to look around your new neighborhood and consider how your new lifestyle might impact things.
Every time you move, it’s important to evaluate what your risks are. Do you have more personal property than the last time you moved a few years ago? Then you’ll want to make sure you have more personal property coverage. You’ve worked hard to get what you have, you don’t want it all to go up in smoke if there’s a fire, especially if the fire is someone else’s fault.
When you move, is it because your lifestyle has improved? That means you likely have more assets and exposures than you did previously, or at least that you now have greater future income potential. That means you need to think about whether your liability coverage is sufficient, because it’s not just your present assets and earnings that are exposed.
You know that you need Portland, OR Renters Insurance. But if you’re not sure about the level of coverage that’s appropriate, or if you think you might want some additional types of coverage beyond what’s included in the standard policy, you’ll have questions.
That’s where Effective Coverage comes in. If you have questions about renters insurance in Oregon, we’re here to help. As the insurance experts for renters, we’re willing to take the time to give you the answers that you need and the coverage that you deserve.
Effective Coverage offers renters insurance in Portland, across Oregon, and across the nation. Access to coverage is the driving force behind the company, as reflected in our core values. There was a time when it was much more difficult to compare renters insurance or to find cheap renters insurance. The process and technological innovations that we bring to the table have changed everything about buying coverage. You can now get a policy in just one minute, from your computer or even from your phone.
Just call (800)892-4308 or click to get covered - whether you need Oregon renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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Photo Credit:
Michael Silberstein
Portland OR Hathorn Bridge
CC BY 2.0