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Property & Auto

Property & Auto

Property Insurance Solutions

At ALMEA, your Portland insurance company of choice, we want to make sure that your most valued possessions—your home, vehicles and personal information—are protected. With the many types of policies available, our insurance experts will help you find the best coverage at the most competitive rates.

Homeowner Insurance

Your home is probably the largest investment you will ever make. You know you need home owner insurance, but what type and how much? The choices can be overwhelming, especially knowing that if you don’t choose wisely, the results could be financially devastating.

At ALMEA, we advise you on the best homeowner insurance or condo insurance for your financial situation. Because we have an understanding of your overall finances, as well as your plans for the future, we use our perspective to present a range of options that will serve your needs the best.

Because we carry home owners insurance policies from a wide range of carriers from around the country, we can give you an objective recommendation based on what’s available, what you need, the best carriers, and the best prices.

A typical homeowner insurance policy can provide insurance protection for many things, but here are a few of the most common:

  • The physical dwelling structure and other structures attached to it.
  • Other structures such as a detached garage, pool house, guesthouse, green house, or tool shed.
  • Personal property, which includes contents of the home, such as furniture, appliances or clothing.
  • Loss of use or additional living expense. If a home is damaged by a covered peril, loss-of-use coverage helps meet the costs of hotel bills, apartment or rental home, eating out, and other living expenses while the home is being repaired.
  • Personal liability provides protection against legal liability for bodily injury or property damage if a third party is accidentally injured.
  • Medical payments: Also known as guest-medical payments, this section provides coverage if a third party is accidentally injured and needs medical treatment.

Call us today for a home insurance quote at: 800-842-8430.

Renter’s Insurance

If you are renting your home, having renters insurance (sometimes referred to as apartment insurance) is critical to protecting your personal belongings such as furniture, appliances, clothing, and family heirlooms, and personal liability protection. We can provide affordable insurance quotes and help you determine the best options for your situation, because we treat you as a lifelong client.

Coverage to consider:

Personal property, which covers the contents of the home, such as furniture, appliances, or clothing.
Loss of use or additional living expenses. If a rented home is damaged by a covered peril, loss-of-use coverage helps meet the costs of hotel bills, apartment or rental home, eating out, and other living expenses, while the home is being repaired.
Personal liability provides protection against legal liability for bodily injury or property damage if a third party is accidentally injured.

Medical payments covers expenses if a third party is accidentally injured and needs medical treatment.

Auto Insurance

At ALMEA, we evaluate your entire insurance portfolio and can give you competitive auto quotes while making sure you have the right coverage for your needs. We work with the best rated car insurance companies in the country to offer the most affordable insurance with the best coverage.

Auto insurance coverage is one of the most important investments you will make to protect your family and your assets. It usually covers a number of risks in one package policy. The most frequently used policy is the Personal Automobile Policy (PAP). The PAP is designed primarily for private passenger automobiles, but protection can be extended to cover other types of vehicles.

Typical coverage can include many features, all of which impact your auto rates
  • Liability insurance, which protects the owner against losses from legal liability arising from bodily injury or property damage caused by an automobile accident.
  • Physical damage coverage: This section of the policy is designed to cover physical damage to the insured auto.
  • Comprehensive (also known as other-than-collision) insurance covers losses from non- collision incidents, such as theft, fire, or storm damage.
  • Losses for physical damage are generally based on the cost to repair or replace the damaged or stolen vehicle.
  • Uninsured/underinsured motorist: Uninsured motorist coverage pays for injuries sustained in an accident with an uninsured (or a hit-and-run) driver.

Call today for free auto insurance quotes: 800-842-8430.

Motorcycle/Boat/RV Insurance

Recreational vehicles require specialized insurance, and at ALMEA, we look at your entire insurance portfolio and can recommend the best insurance to cover your motorcycle, boat or other recreational vehicle.

Motorcycle Insurance
Motorcycle insurance is separate from auto car insurance and necessary to protect your bike, aftermarket accessories, and assets. We can suggest the best coverages for you from the wide range available, including bodily injury liability, collision, comprehensive, medical payments and passenger liability. 
Boat Insurance
Boat insurance is a key part of your overall protection coverage, and ALMEA agents understand the risks and protection you need in case of sinking, fire, storms, capsizing, stranding, collisions or explosions, and we will make sure you are covered against liability lawsuits, should an accident involve another boat or individual. 
Mobile Home Insurance, RV Insurance
A combination of homeowner’s and auto insurance, RV insurance is unique and complex. At ALMEA we can help you sort through the wide range of options, including: personal effects coverage, full RV replacement cost coverage, emergency expense allowance, coverage for fire, flood and theft, personal items replacement, accessories coverage, liability coverage, roadside assistance, and many more. 
Personal Umbrella Insurance
How do you know if you need an insurance umbrella? At ALMEA, we can determine if it is appropriate or advisable to add coverage where potential liability could exceed the limits of the protection or fill coverage gaps from your homeowners, automobile, or watercraft policy. 
Flood Insurance, Earthquake Insurance

It can be a daunting task to determine of you need flood or earthquake insurance, but it’s critical to “get it right” since both have the potential to destroy your home and its contents.

We can determine if flood and earthquakes are excluded from your basic property insurance policies, as is often the case, and help you select the best coverage for your situation.

Dwelling Fire Insurance
If you own properties that you don’t reside in, you might need dwelling fire insurance. We will look at your overall coverage and make sure you are covered in case of fire damage and protected against personal liability or the loss of rental income. 
Identity Theft Insurance
Identity theft is on the rise, affecting millions of Americans each year. The victims are often unable to use their credit or obtain loans, can be harassed by debt collectors, and can even become the subjects of criminal investigations. 

This site is for informational purposes only and is not an offer to sell or a solicitation of any offer to buy any securities or investment advisory services which may be referenced herein. We may only offer services in states in which we have been properly registered or are exempt from registration. Therefore some of the services mentioned may not be available in your state, and if not, the information is not intended for you. ALMEA Insurance, Inc. is not a registered broker/dealer or investment advisory firm. Bill Wilson is licensed to offered securities through KMS Financial Services, Inc. ALMEA Insurance and KMS Financial Services are not affiliated and there is no common ownership or control. | Member FINRA / SIPC