Providing reliable insurance solutions to the Willamette Valley for over 50 years.
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Salem Insurance Agency, Inc.
Salem Insurance Agency, Inc. is a family-owned and operated independent insurance agency serving the community of Salem and the rest of the Willamette Valley area since 1968.
As an independent agency working with multiple local, regional, and national insurance companies, we are able to provide clients with confidence and peace of mind by placing tailored insurance coverages to their specific needs and giving them the power of choice based on our knowledgeable advice.
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The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Salem Insurance Agency, Inc. does best.
What Makes Salem Insurance Agency, Inc. Special
Here’s what sets us apart when it comes to serving your insurance needs.
Family-Owned and
Operated
We are proudly a family-owned and operated insurance agency offering the personal attention you deserve.
Five Decades of
Service
We are proud to have served local residents and businesses of Salem, OH and the Willamette Valley area for over 50 years.
Experienced
Agents
With extensive experience, our agents understand what it takes to bring each individual client solutions tailored to their specific needs.
The Advantage of an Independent Agency
Working for You
What makes our independent agency different?
- We work with multiple insurance companies.
- Personal service by local community members like you.
- Expertise and experience with a wide variety of insurance solutions.
Real clients. Real reviews. Real coverage.
“Salem Insurance Agency, Inc. always gives us great service. They are friendly, helpful, and professional. We have only had a great experience with this agency.”
– Emily Rogers
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Personal Property
Risk Factor
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Solution
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Limits and Exclusions
Risk Factor
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Solution
Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.
Additional Living Expense
Risk Factor
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Solution
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
Liability
Risk Factor
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Solution
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
Medical Expenses
Risk Factor
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Solution
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
Landlord
Risk Factor
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Solution
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Improvements or Betterments
Risk Factor
Any improvements or betterments that you have made to your unit are subject to damage.
Solution
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
Contents Away from Home
Risk Factor
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Solution
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
Premises Liability
Risk Factor
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Solution
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Renters Insurance 101
Make sure you cover the unique risks you face with renters insurance.
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Contact Salem Insurance Agency, Inc.
As an independent agency, we are here to help you find the right coverage.
Salem, OR
4680 Commercial Street SE
Salem, OR 97302
We are proudly serving clients in Willamette Valley and the Pacific Northwest, including Oregon, Washington, and Idaho, in addition to Arizona.
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