Fox Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Safety Tips For Teen Drivers

The first years teenagers spend as drivers are very risky. Motor vehicle crashes are the leading cause of death among 15- to 20-year-olds and research shows that more than half of teens who die in crashes are...

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How can I insure against loss of income due to sickness or accident?

Disability Insurance If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income? Disability income insurance, which complements health insurance, can...

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What are the principal types of life insurance?

- - What are the principal types of life insurance? - There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several...

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Securing Your Home Against Burglary

Burglars won't find your home an "easy mark" if they are forced to work in the light, if they have to take a lot of time breaking in, or if they can't break in without making a lot of noise. Research shows that if it...

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Understanding Your Insurance Deductible

Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount “deducted” from an insured loss....

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Do You Need Rental Car Insurance?

Maybe you’ve been here before. You’ve just come off the plane, picked up your baggage and gone to the rental car counter. You’re tired from the flight, about to begin an ambitious vacation or a challenging business...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But, does that really work? Or, is it just a waste of electricity — particularly...

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Earthquake Safety and Preparedness

Earthquakes are caused by a sudden release of energy in the Earth's crust, resulting in seismic waves. Earthquakes can happen almost anywhere, at any time, and can cause personal injury and/or property damage....

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Is It Time to Winterize Your RV?

So, you’re not a year-round RV-er, or, at least not yet. (One can dream!) Which means another RV season is coming to a close. With cool fall and winter weather on the way, now is the time to make sure your rig will...

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College And Credit: Tips For Managing Your Money

In these difficult economic times, many of today’s college students are turning to credit cards to finance their college education, using them for everything from everyday necessities to books and tuition....

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How to Deal With Road Rage: 5 Dos and Don’ts

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Connected Home: Here’s How to Get Started

How would you like to have more control over your home? Increased security for you and your family? Better energy efficiency? Or just more enjoyment out of life? New technology can help you can achieve all of those...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Distracted Driving

- - Distracted Driving - Activities that take drivers’ attention off the road, including talking or texting on cellphones, eating, conversing with passengers and other distractions, are a major safety threat. The...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go, kick back and relax with a book or your phone. Even still, technology...

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A Look at Condo Insurance

For most people a Condominium represents a significant investment, but more than that, they are homes. When it comes to home, everyone wants stability and safety. By covering common risks such as fire, theft, and...

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Tips for College - Bound

- - A Few Tips for the College-Bound - College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below...

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Think Renter’s Insurance is Only for Your “Stuff”? Think Again!

Clients often think they don’t need renters insurance - “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.” That’s how most people think of renter’s coverage: protection for stuff, and...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably...

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Essential Driving Tips for Extreme Heat

The sun is shining, your shades are on and there’s nothing ahead but miles and miles of enjoyment. You love being behind the wheel on a nice warm day. But, as the temperatures rise so do your chances of...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you’ve probably thought about spending some evenings on the water – especially in the summertime. It’s a great thought, of course. But,...

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10 Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers...

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Don’t Give Up the Ship! Protect Your Boat From Theft

Thousands of boats and personal watercraft are stolen each year in the U.S., according to the National Insurance Crime Bureau. But, even if your boat remains exactly where you left it, expensive items on board can...

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Keep Your Campsite – and Your Gear – Secure

Today is just a little different than it was, say, 20 or 30 years ago. Back then, you brought some gear, some food and some clothing – just enough to sustain you for a weekend or so in the outdoors. And, you left...

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Grilling Safely

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an...

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It’s Boating Season - Be Safe Not Sorry!

- It’s Boating Season - Don’t let an accident wreck your fun! - Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been...

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Boat Trailer Safety

- - Top Tips for Boat Trailer Safety - There are many reasons to love the sport of boating – it can be relaxing, exciting, entertaining and even rejuvenating. But hauling a boat on a trailer and launching it at the...

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Always Ride Applying Motorcycle Safety

- - Ride safe with these motorcycle tips - Motorcyclists know that riding gives them a freedom that driving a car just can’t match. But the best riders also know that motorcycles require more focus to operate and don’...

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Fourth of July Safety

- - 10 Ways to Keep You and Your Family Safe This Independence Day - In the Pacific Northwest, summer truly begins when the Fourth of July arrives. It’s a holiday full of fireworks and food, barbecues and boating,...

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Motorcycle Safety Gear - Don't Leave Home Without It

- - Proper motorcycle safety gear helps you ride right - Whether you’re an experienced rider or just getting started, the right protective gear will help you have enjoyable and, most importantly, safe journeys....

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How To Pay For Long Term Care

- - Should I invest the amount I would pay in premiums instead of buying long-term care insurance? - If you're under 55, you might think that, since the likelihood of long-term care outlays is many years in the...

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Second Home - Vacation Home Insurance

- - 4 Things to Consider When Insuring a Second Home - Everyone loves vacation. But, vacationing in your own seasonal home? Even better. However, there’s a lot to consider when it comes to protecting your investment...

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RV Travel Tips

- Get the Most Out of Your RV This Summer - There’s nothing quite like taking a road trip in an RV. Whether you’re headed to somewhere nearby or somewhere across the country this summer, we at Fox Insurance Agency...

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Lightning Safety: Myths vs. Facts

With 1,800 thunderstorms in progress at any given time on Earth, it’s important to be able to sort out the myths from the facts when it comes to lightning safety. And keep in mind that the best lightning safety plan of...

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Grilling Safely

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an...

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Perils Of Distracted Driving

- - Avoiding distractions while driving could save your life! - You’ve seen them on the roads; you might even know a few of them. And you could be one yourself...Distracted drivers come in all shapes, sizes, ages...

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Vacation Travel Smarts - Plan Ahead

- Make your vacation a great one! - For most people, the summer travel season is just beginning and whether you’re planning a trip to a local attraction in Oregon or Washington this summer, or headed all the way...

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ATV Safety - Keep Your ATV Adventures Safe

- - Keep Your ATV Adventures Safe - Unique among motor sports, driving all-terrain vehicles in Oregon and Washington combines an exhilarating workout with a test of maneuvering skills and a hearty dose of adrenaline....

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Staying Afloat Insuring Your Personal Watercraft

- Insuring Personal Watercraft - Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically...

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Pool Safety

Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications. There are an estimated 7.4 million swimming pools and five million hot tubs...

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Yard Work Safety In Oregon and Washington

- - Let's Keep Our Lawns - and Ourselves - Safe in Oregon and Washington - For many of our neighbors in Oregon and Washington, summer means more than sunshine and vacations. It also means working in the yard - often...

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Get Hooked On Fishing Safety

- - Create great fishing memories for your children - No matter what season is winding down, the next season is just another reason to spend on the water in the boat with rod in hand. One of the best ways to enjoy...

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Man's Best Friend or Costliest Friend? Dogs and Umbrella Insurance

- - Love Bites—Get Umbrella Coverage - In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in...

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RV Safe Driving Tips

- - Tips for safe driving in your RV - With summer just around the corner, it’s a great time for an RV trip. Whether you’re heading to coast, mountains, or planning your getaway a lot farther from home, you’ll want...

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Protecting Your Home From Water Damage

- - How To Protect Your Home From Water Damage - Water damage is one of the most common and costly disasters affecting U.S. residences, accounting for billions of dollars in losses to homeowners and renters annually....

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Boat Theft and Prevention

Boat Theft - More than 1,000 boats are stolen every month. If you are a boat owner, learn some easy and effective ways to protect your craft from theft.Boat insurance quotes are one of the things we do best here at Fox...

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Smooth Sailing With The Right Boat Insurance

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance...

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Special Event Insurance

Often referred to as “wedding” insurance, special event insurance can be used to cover a 50th anniversary party, a bar mitzvah, a graduation party or any special occasion you might be planning. Special event insurance...

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Motorcycle Enthusiasts To Get Revved Up With The Proper Insurance Coverage

Motorcyclists who travel on public roads or highways need an insurance policy that meets their state’s requirements as well as their individual needs. Motorcycle insurance coverage is normally purchased as a stand-...

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4 Social Media Tips for 2017

The Internet and social media in particular have made it easy to share more of our personal lives with our friends. But, it’s also become easier to share with people we don’t even know.Online privacy isn’t just about...

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Prom and Graduation Safety

- Teen driving tips to keep prom and graduation safe - High school is full of defining moments for most teens and two of the highlights for most are prom and graduation. However, this time of year often sees other,...

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Ride-Sharing and Insurance

- Ride-Sharing and Insurance: Q&A - Information You Need to Know about Coverage for TNCs Q: What is ride-sharing and why is it getting so much attention from insurance companies? A: Ride-sharing companies provide...

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Wedding Insurance: Say ‘Yes,’ Avoid Distress

You’ve fallen in love and plan to say, “I do.” Now your every waking moment is filled with visions of the dress, the rings, the flowers, the honeymoon and more. But, have you thought about insurance? No, it’s not...

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How Much Homeowners Insurance Do I Need?

Homeowners insurance is an important purchase. There are several factors that should be considered carefully before choosing a policy and provider. The coverage chosen should be adequate for the type of construction,...

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Raising Children and Insurance Considerations

Raising Children - Children are the future. We need to plan for their future and we need to protect it. As the saying goes, it will be here before we know it. A family’s insurance and financial needs will grow and...

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Call Before You Dig

What is 811? - Are you a homeowner or contractor? Did you know that you are required to call the number ‘811’ before digging on any property so that you can be made aware of any underground lines (e.g. pipes, cables...

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What You Need to Know About Renters Insurance

Most people know that homeowners need insurance. Everyone knows that drivers need auto insurance. But what about tenants? How many renters know what steps to take to protect their possessions? The Basics Typically,...

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Which Disasters Are Covered By Homeowners Insurance?

- Standard homeowners policies generally cover a wide range of potential disasters, from tornadoes and windstorms, to fire and lightning strikes, to winter storm damage caused by weight of ice and snow. Most...

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5 Carbon Monoxide Safety Tips

Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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Earth Day Tips

- Take part in an Earth Day event — or celebrate in your own way - People are thinking more and more about the environment — whether it’s something that affects the quality of life here in Oregon, Washington, and...

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What features of long-term care policies should I focus on?

- - What features of long-term care policies should I focus on? - There are various questions and issues to keep in mind when choosing a long-term care policy.Where may care occur? - The best policies pay for care...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft.You could unknowingly give your information to a fraudster thinking you’re...

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You don't have to live in a flood zone to need flood insurance!

Floods are a serious risk to any home. They are also one of the most common risks to American homes, even more so than fires. However, homeowners,condominiums,and renters policies normally do not offer coverage for...

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Things to keep in mind when buying a car.

Things to keep in mind when buying a car...Buying a new car in is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and...

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Tax Filing And Insurance

- - Can You Deduct Your Premiums? Are Insurance Payouts Taxable? Answers To Your Tax Questions - At tax time people are looking to find every possible deduction they can—so what about writing off your home or auto...

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A Look At Term Life Insurance Policies

Life insurance is one of the most important investments a person can make. These policies provide security and peace of mind for families. As a cornerstone of financial planning, it is important to understand what...

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Should I Buy Long Term Care Insurance?

- Should I buy long-term care insurance? - If you need long-term care services and have to pay to obtain them, what financial resources could you call on? Do you have enough to pay for four or more years in a...

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Life Insurance - Get More and Pay Less, maybe!

Do you need (more) life insurance? - Life insurance protects anyone who depends on you financially. If you die unexpectedly, life insurance provides money that can pay debts or offset the sudden loss of income. 50% of...

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A Primer on Potholes

Spring is her and summer is just around the corner, and that means something else might be lurking around the corner, too: A nasty pothole. February, March and April are the worst months for potholes, according to...

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Save Big On All Your Insurance

At Fox Insurance Agency, we would like to save you money on "ALL" your insurance needs, and give you a quote on the coverage we don't provide you.

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What Is Auto Gap Insurance?

As soon as the wheels of your car drive off the lot and touch street pavement, the value of your car is dwarfed by the loan you took out to purchase that car (unless you made a substantial down-payment). Auto gap...

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Spring Home Maintenance and Cleaning Tips

Spring Maintenance for Your Home When springtime rolls around in Oregon and Washington, almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s...

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3 Misconceptions About Flood Insurance

Floods are without a doubt the most common natural disaster that affects us in the U.S.Even so, 87 percent of all homeowners do not have a flood insurance policy. In high-risk areas, 1 of 4 houses is projected to flood!...

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Tips For Driving On Wet Pavement

According to the U.S. Department of Transportation, over 1.2 million auto accidents each year are directly related to weather conditions. Of these accidents, 73 percent are a direct result of driving on wet roads. (...

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Earthquake Insurance – What Oregon and Washington residents need to know!

- Earthquake Insurance – What Oregon and Washington residents need to know! - What are the two most important things to know about earthquake insurance? Most home insurance policies do not cover earthquake damage....

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Prevent Water From Going Where It Shouldn’t

At Fox Insurance Agency, we know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage. Just a little time and some effort can...

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How to Help Prevent House Fires

Using claim data, we have developed a list of the most common causes of fire-related losses as well as some things you can do to help prevent them. Faulty Wiring and Outlets Are One of the Top Causes of House Fires....

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Daylight Savings Time Is A Wake-Up Call

- Daylight Savings Time is also Daylight Safety Time. - In most places in the United States, Sunday March 12th is Daylight Saving, when clocks are moved forward one hour. We here at Fox Insurance Agency want to remind...

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Boating Pre-Season Check

- Get started early to get your boat ready for spring and summer - If you love the water, few things are better than boating season.Spring and summer just wouldn’t be the same without spending those long, hot days on...

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Get The Facts (and quote) About Long-term Care Insurance

Are you betting you don’t need Long-Term Care insurance? - Don’t make that bet. The odds are against you, and the stakes may be much larger than you think. “Consider The Facts” OVERWHELMING STATISTICS - A nursing...

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What is "Long Term Care" and will I need it?

What is 'long-term care'? Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g.,...

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What is Long-term Care Insurance?

What is Long Term Care Insurance? - Due to old age, mental or physical illness, or injury, some people find themselves in need of help with the basics actions of everyday life. Long-term care insurance covers you for...

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Water And Flood Damage: What Is And Is Not Covered

Water and Flood Damage - Water can damage your home in many ways. Do you know what is covered and what isn't? This video explains the different types of coverage from burst pipes to torrential floods.Fox Insurance...

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Facts and Information About Flood Insurance

In general, flood insurance is only available through the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA). A few private insurers offer excess flood insurance. According to...

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What Is Covered by Standard Homeowners Insurance?

- What Is Covered by Standard Homeowners Insurance? - Save Money and Trouble by Knowing the Ins and Outs of Your Homeowners PolicyHomeowners Insurance Coverage Most standard homeowners insurance policies include four...

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Why should I buy Life Insurance?

Everyone knows that life insurance provides protection for the dependents of the policyholder. Because it replaces an income, life insurance is crucial for families with small children or other dependents. But there...

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Protecting Your Home and Yourself From An Earthquake

Earthquake Protection - Earthquakes are a real threat to your home, possessions, and safety in Oregon, Washington, California, and elsewhere. Learn simple ways in this video to improve the security of your home...

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Preparing For An Earthquake

Preparing for an Earthquake in Oregon, Washington, and CaliforniaWhile earthquakes are most commonly associated with California, they have occurred in 39 states including Oregon, Washington, and California over the...

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Damage From Winter Storms Covered By Most Standard Insurance Policies

With severe rain, snow, and wind conditions hitting Oregon and Washington, physical damage to homes, cars and businesses is likely. Fortunately, most insurance policies are designed to cover winter storm-related losses....

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Have some new jewelry in the house? Protect it!

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry. It’s exciting to receive jewelry...

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Social Host Liability

- - Social Host Liability - Be a Responsible Host When It Comes to Serving Alcohol at PartiesSocial host liability, the legal term for the criminal and civil responsibility of a person who furnishes liquor to a...

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Spring Is On It's Way

Spring is coming to Oregon and Washington! (Depending on that groundhog). With Groundhog Day just around the corner, it’s time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway....

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Does My Homeowners Insurance Cover Earthquake Damage?

Earthquake Insurance Basics - Don't Over Think It, Just Get it... When we have the major Earthquake experts are warning us about, will you be left holding an Earthquake Insurance Policy or your unpaid mortgage?...

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How to Stay Safe After a Winter Car Accident

The days are short. The air is cold. And, roads are often slick with rain, snow or ice. It’s winter driving season in Oregon, Washington, and the rest of the country. And, while most people know what to do to try to...

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Flood Prevention and Safety Tips

Flood prevention and safety... Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies. Before we get...

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Refer a friend and receive a FREE Movie Ticket or $10.00 Gift Card*

Refer a friend or family member and receive a FREE Movie Ticket or $10.00 Gift Card Fox Insurance Agency has a great referral program for our clients. If you are an existing FOX client and you refer a friend or family...

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Do You Need Winter Tires?

You know it’s coming. Snow and slush. Freezing rain. Maybe even black ice. But do you know if your tires are ready for all of that? When driving in Oregon or Washington in the wintertime, your tires just might be the...

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Seniors and Insurance

Senior Years and Insurance - By the time you retire, your accumulated wealth is probably at its height. The challenge ow is to manage your assets so that they last as long as you do. Insurance still plays an important...

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Reasons for Purchasing an Annuity

Reasons for Purchasing an Annuity - Annuities can serve many useful purposes.If you are in a saving-money stage of life, a deferred annuity can:Help you meet your retirement income goals. Employer-sponsored plans such...

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Shovel Snow Safely This Winter

- - Shovel snow safely this winter - Winter is here, and with it comes many traditions and activities: Gatherings and celebrations with loved ones in Oregon and Washington, skiing and snowboarding outings in the...

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How Efficiently (or Inefficiently) Do You Use Your Heat?

Many homeowners in Oregon and Washington see their energy bills each winter and think, “How can I be spending this much when the house isn’t even that warm?” To get an answer to that question, you should start with some...

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How to Choose the Right Type of Life Insurance

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. You should consider term life...

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Driving Tips for Rainy Weather

7 Tips to Help You Handle Rainy Days Behind the WheelAt some point, every driver in Oregon and Washington has to deal with rainy weather. But, many don’t know what to do, so they just drive as they normally would....

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Tips To Help Prevent And Address Frozen Pipes

Don't Let the Cold Get to Your Pipes This Winter It’s hard to think of a worse start to a winter day in the Pacific Northwest than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear...

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