Welcome to Larry Biggerstaff Insurance and Financial Services Inc - Your Silverton State Farm! We are more than a policy for you and your family - we are a team you can count on! When you are insured with Larry Biggerstaff Silverton State Farm, you'll never have to ask who you agent is - because we never forget to provide you with the service you deserve! Our mission is to help you Protect and Achieve your Goals! We will meet with you to build a plan to Protect your family and assets. Then we can review options for wealth building to meet your future Goals!
We are here to provide all your insurance needs: Auto, Home, Life, Health, Recreational Vehicles, Liability Umbrella Policies, Small Business, Pet Insurance and More!
We also provide Financial Services.
We are licensed for insurance in Oregon, Washington and Idaho.
If you need an after-hours or weekend appointment, just call to schedule.
We are here when you need us in person, on the phone, online or via the State Farm Mobile App.
Be sure you have the proper coverage on your policies to protect you and your family! Call us for a policy check-up and consultation on all your insurance policies! We provide Free Quotes! Your Local Silverton State Farm is conveniently located at the corner of 1st and Lewis in downtown Silverton. And always available for after-hours appointments if you need one, just call us to schedule!
Events in our Neighborhood!
Silverton Murals Walking Tour! Free Maps available in our office. Enjoy the outdoors and the walking tour to see all the Murals around Silverton!
Silverton First Fridays! The First Friday of every month visit downtown Silverton and support our wonderful local businesses and enjoy the beautiful town and our wonderful neighbors!
Silverton Farmers Market Every Saturday!
Visit the Silver Falls, The Oregon Garden or Local Vineyards to enjoy Nature and the beautiful Willamette Valley
Visit our office anytime for Free Quotes and Free Smiles!
Our Office and Team.
Welcome to Lawrence Biggerstaff Insurance and Financial Services Inc / Silverton State Farm office located in Silverton, Oregon! We are a team of high-energy, passionate insurance professionals that are driven by helping others, supporting our local community and our neighbors. We are your local agency Always there to Serve you with a Smile!
Our team is here to provide auto, home, life, health, business insurance and financial services to help our neighbors manage the risks of everyday life, recover from the unexpected and realize their dreams!
Call, Email or Stop by Your Silverton State Farm for free quotes, consultation, coffee and smiles!
Insurance Frequently Asked Questions:
1. How do I know how much auto insurance coverage I need?
The right amount of auto insurance depends on several factors, including your vehicle, driving habits, financial situation, and the level of protection you’re looking for. We can help you review your options and choose coverage that fits your individual needs and budget.
2. What’s the difference between liability, collision, and comprehensive auto coverage?
Liability coverage generally helps protect you financially if you’re responsible for injuries or property damage in a covered accident. Collision coverage can help pay for covered damage to your vehicle from a collision, while comprehensive coverage can help with certain non-collision losses, such as theft, vandalism, or weather-related damage. Coverage is subject to your policy’s terms, limits, deductibles, and exclusions.
3. Can I bundle my auto and home insurance?
Yes, many customers choose to have their auto and home insurance with the same insurer. Depending on your eligibility and policies, bundling may qualify you for discounts and can make managing your insurance more convenient. Contact our office and we can review your options.
4. What does homeowners insurance typically cover?
Homeowners insurance can provide protection for your home, personal belongings, and certain liability risks. It may also help with additional living expenses after a covered loss. The specific protection you have depends on the coverages, limits, deductibles, and exclusions in your policy.
5. How much homeowners insurance do I need?
Every home and household is different. Factors such as your home's characteristics, belongings, liability needs, and other considerations can affect the coverage you choose. We can walk through your situation with you and help identify coverage options that meet your needs.
6. Why do I need renters insurance if my landlord has insurance?
Your landlord's insurance generally protects the building itself—not your personal belongings. Renters insurance can help protect your belongings from certain covered losses and may provide personal liability protection and other coverage. We can help you understand the options available for your situation.
7. Is renters insurance only for my belongings?
No. While protecting personal belongings is an important part of renters insurance, a policy may also include personal liability coverage and additional living expense coverage following certain covered losses. The exact protection depends on your individual policy.
8. How much life insurance should I have?
There isn't one amount that's right for everyone. Your income, debts, family expenses, future goals, and the people who depend on you can all play a role. A conversation about your needs can help determine an amount of coverage that makes sense for you and your family.
9. Can you help me review all of my insurance policies together?
Absolutely. Reviewing your auto, home or renters, and life insurance together can help you better understand your overall protection and identify potential gaps or changing needs. Contact our office to schedule an insurance review, and we'll help you explore the options available to you.
Coverage availability, eligibility, discounts, policy terms, and benefits vary. Please refer to your policy and speak with us for details regarding your specific coverage.
Home Insurance considerations for Silverton, Oregon:
Check your dwelling replacement cost. Make sure Coverage A reflects what it would cost to rebuild your home today—not simply its market value. Oregon regulators warn that homeowners can be underinsured and recommend periodically reviewing coverage with an agent.
Pay attention to wildfire protection. Silverton is in Marion County, where wildfire is among the natural hazards assessed by the state. Oregon recommends home-hardening measures such as ignition-resistant materials, protected vents, and defensible space around the home.
Know what's excluded. Standard homeowners policies commonly exclude flood and earthquake damage, so those risks may require separate policies or endorsements.
Consider earthquake insurance. Oregon has meaningful seismic risk, and earthquake coverage generally isn't automatically included in homeowners insurance. Earthquake policies can also have percentage-based deductibles, making it important to understand the actual dollar amount you'd be responsible for.
Review water-related coverage. Ask specifically about sewer/drain backup, service lines, and flooding. Don't assume every type of water damage is covered simply because your policy covers some water losses.
Inventory your belongings. Oregon's Division of Financial Regulation recommends photographing or recording the contents of each room. A good inventory can make documenting a major claim considerably easier.
Look at liability limits. Consider your assets, pets, recreational features, and other potential liability exposures when deciding whether your current limit is adequate. An umbrella policy may also be worth discussing.
Tell your insurer about improvements. A new roof, remodel, detached shop, solar installation, or other major improvement can change the amount and type of coverage you need.
Don't shop on price alone. Compare coverage limits, deductibles, exclusions, and endorsements.
Auto Insurance considerations for Silverton, Oregon:
Know Oregon’s required coverage. Oregon currently requires at least $25,000/$50,000 bodily-injury liability, $20,000 property-damage liability, $15,000 Personal Injury Protection (PIP), and $25,000/$50,000 uninsured-motorist bodily-injury coverage.
Consider limits above the state minimums. A serious crash can easily result in damages exceeding minimum liability limits, so higher limits may provide substantially more financial protection.
Think about comprehensive coverage. It can cover losses such as theft, vandalism, falling objects, hail, glass damage, flooding, and animal collisions—risks that liability alone doesn't cover.
Evaluate collision coverage. If you slide into another vehicle or object, collision coverage generally pays for damage to your own vehicle, subject to your deductible.
Prepare for wet and icy Oregon roads. ODOT notes that rain reduces traction and increases stopping distance, while ice can occur even at lower elevations and may be difficult to see.
