Home Insurance

When it comes to home insurance, working with a pro who can help you get all the coverages you need is key to your peace of mind. Meridian Insurance offers a range of solutions to keep you protected whether you’re a home owner or renter.

Get An Instant Home Insurance Quote – Your home is where you eat, sleep and spend time with your family. It’s where memories are made and where you can relax after a long day of work. It’s the most important place in the world to you. At Meridian Insurance we work with more than a dozen of the industry’s best insurance carriers so we can find you the best, most cost effective coverage based on your specific needs.

Your rental property is an important asset that you need to protect. Landlord insurance can include options from Personal Property and Liability to Medical Payments to Others and Dwelling to cover all the risks that you may face. Other types of coverage include:

  • Damage from a fire, natural disaster, or other risks, including damage caused by tenants.
  • Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
  • Legal counsel and fees in the event of a related lawsuit

Get An Instant Quote Now – Renters insurance is very important, but most people don’t get it or don’t even know what it is. Your landlord’s policy only covers the building, not your possessions. It also doesn’t cover injuries that occur in your rental home or apartment. With a renters insurance policy, you will be covered in case your possessions are stolen or damaged.

Looking for affordable mobile home insurance coverage? Meridian Insurance will tailor your policy to meet your needs and budget, so you can protect everything that’s important to you.

Builders risk insurance, also called construction insurance, is designed to cover buildings during the construction process. Builders risk covers the structure, and the materials on site waiting to be installed, in storage, or transported to the job site. Builders risks policies can be written specifically to cover the construction term, and will cover the same risks of most property polices including fire, wind, theft, vandalism, lighting, etc.

Contractors, owners and project managers often assume their business insurance policy will cover the building during the course of construction. There will be no coverage under a standard business policy for property loss, unless it has been added by endorsement or under a separate policy.

There is a relatively short list of property that is not covered under a builders risk policy, which includes automobiles, landscaping, money, contractor’s tools, equipment and machinery.

Oregon is one of the top three states that is most likely to see a major earthquake in the near future. In fact, the head of the Active Tectonics and Seafloor Mapping Laboratory has put the chances of a powerful earthquake occurring off the coast of Southern Oregon in the next 50 years at one in three. Those are daunting odds, especially when you consider how many people are completely unprotected from such a disaster. Don’t roll the dice with your home that the ground won’t roll underneath it. We’ll help you find the right earthquake insurance to protect everything that’s important to you.

Floods are the most common natural disaster in the U.S., and account for billions of dollars in damages every year. The average loss reported during floods is $48,000. It doesn’t take much water to cause permanent damage to your home. Even if your home is not located directly in a floodplain or a flood zone, flooding can still cause extensive damage. Meridian Insurance will work with you to determine the best flood insurance solution based on the size and location of your home.