Ashland Insurance

We have a simple rule in our office: The Mom Test.

If we wouldn't recommend a specific coverage or carrier to our own mothers, we have no business recommending it to our neighbors. It is our ethical north star. We refuse to move your policy just to hit a corporate profit quota or secure a bonus.

We choose to stay local because we refuse to let your premium dollars get extracted to a corporate headquarters halfway across the country.

We aren’t driven by predatory profit margins; we are driven by a responsibility to the people who share our streets.

We would rather be reasonable than rich. It is time to check your shield with a team who actually has skin in the game.

When you partner with local independent insurance agents like us, your money stays right here in the valley– and you’re treated like family, from the moment you reach out to the time you call for help.

To get started with a team you can depend on, follow the link in the comments.

Did you know that tornadoes have happened in all 50 states? That's why it's a good idea to consider creating one for your family. Here's how.

Create a tornado safe room Tornados are most common in the [central United States](https://hazards.fema.gov/nri/tornado), but they have occurred in all 50 states. No matter w...

You’d be amazed by all the places you carry financial liability. From your driveway to your dining room, true protection requires a clear strategy, not just a cheap policy off a shelf.

Here is the inside scoop on how we secure the four most critical areas of your life across Oregon, Washington, and California:

🏠 HOME & PROPERTY: We protect the structure of your house, your personal belongings, and your legal liability. Standard policies exclude floods and earthquakes, so we build tailored plans that actually cover the unique terrain of our region.

🛻 AUTO & TRANSPORTATION: The law requires you to carry liability insurance, but state minimums rarely cover the true cost of a severe crash. We navigate liability, collision, and comprehensive options to ensure one bad afternoon doesn't drain your savings.

📈 BUSINESS & COMMERCIAL: Small businesses face risks that can halt operations overnight. We secure Business Owner's Packages (BOP), workers' compensation, and cyber liability for local contractors, wineries, healthcare providers, and more.

🏥HEALTH & WELLNESS: The health insurance market changes constantly. We act as your master translator for the Affordable Care Act, Medicare, and supplemental plans so you secure the tax credits you deserve and the coverage your family needs.

We review the market across over 200 top-rated carriers so you never pay for an overlap, and you never suffer from an insurance gap.

Don't wait for a disaster to find out what your policy actually covers.

Summer is a great time to get outdoors with your pets but it's important to make sure they're safe in the heat. Liberty

8 essential tips for keeping your pets safe in extreme heat When the temperatures soar, it’s crucial for pet owners to keep their furry friends' safe. Protect your pets in extreme heat this summer.

Have you noticed the names changing on the local businesses you grew up with?

Across the country, massive national corporations are quietly buying up independent insurance agencies. The sign on the building might stay the same, but the soul of the service moves two thousand miles away to a call center in another state.

At Ashland Insurance, we made a different choice. As a veteran-owned agency, we have stood right here in the Rogue Valley since 1981. We aren’t building a business to flip to the highest bidder; we are building a permanent shield for our community.

We know the wildfire risks.
We know the local traffic patterns.
Most importantly, we know you.

When life takes an unexpected turn, you don’t need a 45-minute hold time and an automated case number. You need your people.

Who is actually answering the phone when you call your insurance agent?

Stay cozy and safe by adding pavers or gravel to your fire pit. We provide easy step-by-step instructions, even for those with limited DIY experience.

Add pavers or gravel around your fire pit The addition of gravel or pavers around your fire pit can elevate the aesthetic appeal while improving safety and functionality. - This is a manag...

You spent all day smoking your favorite barbecue recipes and setting up lawn games for the neighborhood. But if an unexpected grease flare-up damages your siding or a guest slips near the water balloons, are you financially protected?

Your standard homeowner's policy includes personal liability coverage, but hosting a major event with dozens of people often requires the extra layer of financial protection provided by an umbrella insurance policy.

Knowing you're covered means you get to think about the important stuff-- like what to make for your hungry friends and family!

So, tell us, what is your absolute favorite BBQ side dish to make for a crowd? Let us know below!

👇 (P.S. I dropped the link to our full hosting and liability post from this week's blog post in the comments.)

Liberty . Make sure yard items stay in your yard during strong winds. Here are 7 items to secure before a storm hits.

Storm on the way? Secure these 7 yard items Strong winds can damage patio furniture, grills, and other items—or turn them into projectiles.

We want your next backyard BBQ to be memorable for the right reasons. Here are three grilling safety tips we recommend following to protect your home and your guests:

1️⃣ The 10-Foot Buffer: Always place your grill at least 10 feet away from your house, deck railings, and overhanging branches.

2️⃣ Food Safety Clocks: Cold items must stay chilled below 40 degrees. Never leave food unrefrigerated for more than 2 hours—if it is over 90°F outside, cut that down to 1 hour.

3️⃣ Liability Checks: If you frequently host large neighborhood parties, review your personal liability coverage limits. It pays medical bills if a guest is accidentally injured on your property.

Learn wildfire tips from Smokey Bear and help protect forests and grasslands. Only you can prevent wildfires.

Home Learn wildfire prevention tips from Smokey Bear