Homeowners Insurance In Oregon

Whether you live in a modern ranch in the Willamette Valley or a cozy three-bedroom near Bend, our Personal Home policy offers quality coverage tailored to your lifestyle. Plus, with our range of carriers, you’ll find new ways to save.

What does homeowners insurance in Oregon include?

While each policy varies, homeowners insurance in Oregon generally includes several standard coverages.

Dwelling (Coverage A): This coverage helps you cover the costs of damage to your home from events like fire, windstorms, lightning, or hail.

Other Structures (Coverage B): This coverage protects structures not attached to your home, such as fences or sheds.

Personal Property (Coverage C): This coverage assists you in repairing or replacing your personal belongings if they are stolen or damaged.

Loss of Use / Additional Living Expense (Coverage D): This coverage helps you pay for temporary housing if your home becomes uninhabitable due to covered damage.

Personal Liability (Coverage E): This coverage helps cover costs for accidental property damage or injuries you may cause due to negligence.

Standard homeowners insurance policies in Oregon typically cover damage resulting from:

Fire

  • Vandalism and theft

  • Lightning strikes

  • Wind

  • Hail

  • Explosions

  • Falling objects

  • The weight of snow or ice

  • Flooding, a prevalent risk in some areas of Oregon, is not included in standard coverage. However, you may have access to specialized flood insurance through the National Flood Insurance Program (NFIP).

  • According to a 2020 report by the National Association of Insurance Commissioners (NAIC), the average annual premium for homeowners insurance in Oregon is $735. This is notably lower than the national average of $1,272. However, insurance costs in many states may have fluctuated since then. Your specific premium could vary based on factors such as the value and age of your home, the amount of personal property you wish to cover, your chosen deductible, and the unique risks associated with your area.

  • Our carriers provide a range of savings opportunities for eligible homeowners insurance customers in Oregon, such as:

    • Welcome Discount

    • Home Buyer Discount

    • Multi-Policy Discount

    • Loyalty Discount

    • Claim-Free Discount

    • Wildfire Mitigation Discount (available for Farmers Flex Personal Home and Smart Plan Home products only)

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