Nemitz Agency Inc
114 Second Street West, Canby, MN 56220
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114 Second Street West, Canby, MN 56220
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Canby residents.
Comprehensive guide to Canby home insurance. Learn about flood risk from Molalla River, average costs ($1,124-$1,741/year), and coverage for winter storms.
Yes, you should seriously consider it. Clackamas County has about 20,000 acres in floodplains, and flooding can happen from storm drainage issues, heavy rainfall, or distant river overflow—not just waterfront properties. About 20% of all flood insurance claims come from moderate- to low-risk areas. Flood policies start as low as $365 per year for preferred-risk properties, which is far less than paying out-of-pocket for even minor flood damage.
Oregon requires liability coverage of 25/50/20 (that's $25,000 per person for injuries, $50,000 total per accident, and $20,000 for 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 your assets, especially if you own a home or have significant savings.
Oregon homeowners pay an average of $1,124 per year for home insurance—68% less than the national average. Your specific rate depends on your home's age, construction, credit score, and coverage limits. Newer homes average around $856 annually, while older homes run closer to $1,166. Excellent credit can save you over $1,000 per year compared to poor credit on identical coverage.
Both options work well in Canby. Independent agents like Oliver Insurance and Kyllo Insurance can shop multiple carriers for you and often provide more personalized service with deep local knowledge. National carriers like State Farm and American Family offer financial stability, extensive resources, and often bundle discounts. Get quotes from both types to compare coverage and pricing for your specific situation.
It can. Some insurers treat regular long commutes differently than local driving when calculating rates. Make sure you accurately report your annual mileage and commuting patterns when getting quotes. Understating your mileage to save money could give the insurer grounds to deny a claim. Most companies have specific rating for commuters, and being honest ensures you're properly covered.
Umbrella insurance provides additional liability coverage beyond your auto and home policies—typically $1 to $5 million in extra protection for $150 to $400 per year. If you own a home, have significant savings or investments, or work in a high-profile job, umbrella coverage protects against lawsuits that exceed your standard policy limits. It's remarkably affordable for the protection it provides.
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