Berkeley Insurance & Financial Services
555 Pierce St, CML, #2, Albany, CA 94706
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Albany households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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555 Pierce St, CML, #2, Albany, CA 94706
View this agency's profile to learn more about their services.
555 Pierce St, Ste Cml2, Albany, CA 94706
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Albany residents.
Complete insurance guide for Albany, OR covering auto requirements, flood risks, historic home coverage, and local rates. Get quotes from 5+ agencies.
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Home InsuranceAlbany home insurance costs $1,124-$1,741/year. Learn about flood zones, historic home coverage, and earthquake protection in this Willamette Valley city.
Car InsuranceAlbany drivers need no-fault PIP coverage plus liability insurance. Learn NY's serious injury threshold, average costs ($125/mo), and I-87/I-90 risks.
If you have a mortgage on a property in FEMA's Special Flood Hazard Area (the 100-year floodplain), your lender will require flood insurance. Even if you're not required to have it, it's worth considering since Albany sits along the Willamette River and standard homeowners policies don't cover flood damage. Policies for low-risk areas can start as low as $365 annually.
Oregon requires liability coverage of 25/50/20 ($25,000 per person, $50,000 per accident, $20,000 property damage), plus $15,000 in personal injury protection and $25,000/$50,000 in uninsured motorist coverage. However, these minimums often aren't enough to fully protect you in serious accidents. Most agents recommend at least 100/300/100 if you can afford it.
Oregon homeowners pay an average of $72 per month or $869 annually for insurance. Your actual rate depends on factors like your home's age, location, construction type, and claims history. Historic homes in Albany's National Register districts may require specialized coverage with higher premiums due to increased replacement costs for period-appropriate materials.
Generally yes. Albany has over 800 historic buildings in three National Register districts, and these properties often need specialized coverage. Replacement costs can far exceed market value because you're dealing with original materials and craftsmanship that require skilled restoration. Look for insurers experienced with historic properties and ask about agreed value or guaranteed replacement cost policies.
Common discounts include bundling auto and home insurance (typically 15-25% savings), being claims-free for several years, having security systems or monitored alarms, completing defensive driving courses, and being a retiree or military member. Ask your agent about all available discounts—they can significantly reduce your premium.
Yes, Oregon is one of the states where insurance companies can use credit-based insurance scores when determining your rates. A better credit score typically translates to lower insurance premiums. This applies to both auto and homeowners insurance, so maintaining good credit can save you money on coverage.
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