Also See: Auto Insurance | Home Insurance | Business Insurance | Farm Insurance
Farm InsuranceWhether you're carrying on the tradition of a small family farm, or realizing the dream of starting your own farm, Grange's farm insurance coverages are tailored to meet your property and liability exposures.
Some of our coverages include:
• Farm Dwellings and Buildings
• Farm Machinery
• Farm Vehicles
• Farm Liability
Trust your farm to an insurance company founded and built around farmers needs.
Other InsuranceBased in The Dalles, our team understands the business insurance needs of our customers. Every need is unique, which is why we provide many types of insurance. As independent insurance agents, Oregon Trail Insurance can help you find the coverage that best suits your particular needs and provides you with the greatest value.
Boat & Watercraft InsuranceWe offer policies for a wide variety of pleasure boats. From sailboats to powerboats, we will recommend the protection that’s right for you.
Recreational Vehicle InsuranceNo matter what kind of RV you own—motor home, trailer, or camper—knowing you’re covered will give you the peace of mind to relax and enjoy your journey.
Flood InsuranceFlood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, our agency issues the policy and, in the event of flood damage to your insured property, would also service your claim.
Landlord Protection InsuranceLoss assessment protection is available to owners of residential property in condominiums, homeowners associations, and other planned communities. A wide array of options and coverages are available to fit your needs. Talk to an account representative today.
Personal UmbrellaMonetary damage awards from lawsuits continue to increase. Personal Umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home or boat policies provide. Check with us to see if an Umbrella Policy makes sense for you.
Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets all your needs.
Boat & Watercraft InsuranceWe can help make your time on the water relaxed and worry-free! We offer comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.
Oregon and Washington – What you need to know about boat insuranceKnow where you are covered in the water. Safeco protection covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
Agreed Value CoverageWatercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
LiabilityLike auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
Medical PaymentsMedical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage CoveragePhysical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily InjurySince boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Fuel Spill Liability and Wreckage RemovalShould your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
Personal EffectsYour policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Oregon Trail Insurance for information. Personal effects coverage does not include jewelery, watches or furs.
Unattached Equipment CoverageThis pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
Emergency AssistanceThe Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water. Every need is unique – contact us today to find out how to get the best boat and watercraft insurance coverage for you.
Recreational Vehicle InsuranceYour RV is part vehicle and part home. Oregon Trail Insurance can insure both, which makes us an obvious choice for insuring your motor home, trailer, or camper.
Oregon and Washington – What you need to know about RV insurance
- Coverages that protect you when you’re on the road means you have a selection of liability and physical damage coverage options and deductibles to tailor your policy specifically for your needs.
- Emergency Assistance Coverage means your EAP (Emergency Assistance Package) covers you for towing, roadside assistance, temporary living expenses, and transportation costs if your RV becomes uninhabitable.
- Mexico Physical Damage Coverage means your vehicle will be covered for a physical damage loss if you travel into Mexico when you purchase the select coverage packages. We’ll insure your RV even if it’s your only policy with us.
- Winter Storage means you can reduce your coverage to Comprehensive only for the months your vehicle is in winter storage. When it’s time to hit the road again, call your agent to add liability and other coverages again.
- Discounts mean you save money. When you have RV insurance and auto insurance with a single carrier like Safeco, you get a discount on your account. You also get additional discounts when your RV has specific safety features.
- One Policy means you can, if you wish, insure your RV and auto on the same policy.
Flood protection for The DallesThe right coverage for you is unique – talk to us today to find out how to protect your family and your future with the right flood insurance for you.
Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, our agency issues the policy and, in the event of flood damage to your insured property, would also service your claim.
Talk with us today to identify the best combination of coverage, value, and price for you.
Landlord Protection InsuranceAs a landlord, you want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.
Oregon and Washington – What you need to know about landlord protection insuranceRental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Protect YourselfLandlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Extra Coverage Doesn’t Have to Cost a LotMany landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.
To find out more about this product and other products and services, contact us today.
Personal Umbrella InsuranceTo really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
Personal Umbrella Insurance – What’s Peace of Mind Worth to You?An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.
Oregon and Washington – Do You Have Enough Liability Insurance?Imagine if your dog were to bite a neighbor’s child. Or if there’s an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you,there’s a good chance your current liability limits wouldn’t be adequate to protect your assets – or your future earnings.
Liability Insurance Starts When the Others StopOnce the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.
Broad CoveragesAn umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.
The right coverage for you is unique – talk to us today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you.