Popular Questions about Homeowners Insurance in Oregon

In Oregon, your homeowners insurance costs will be individualized and specific to your property. Oregon's average home insurance premium runs $677 annually, cutting the national average of $1,211 almost in half. For exact figures, you'll need to obtain quotes on your risk exposures.  

Each state has its own set of rules when it comes to insurance. In Oregon, you won't be mandated to carry homeowners coverage by law. However, a mortgage lender, lienholder, or financial interest will require proof of insurance in order to write a loan. With 1.75 federally declared disasters occurring each year in Oregon, protection can save you from financial devastation.  

The right home insurance is essential to be properly covered. In Oregon, there are several options, but a few stand out from the rest. Foremost, Nationwide, Progressive, and Safeco insurance companies are both competitive and highly rated in Oregon. Find out your options with the help of a trusted adviser for free.

Your Oregon home insurance is calculated using a variety of risk factors and personal data. Take a look at what carriers use to rate your homeowners coverage:

  • Home replacement cost
  • Prior losses
  • Local disasters
  • Local crime rate
  • Limits selected

Yes, Oregon has 226 independent insurance agencies in operation. Any one of them can help find a policy through their network of carriers, saving you time and money.  

Oregon is high on the list for fire disasters. This state comes in at 799 reported fire losses per year, making home insurance an absolute necessity. Other common disasters in Oregon are flooding, severe storms, earthquakes, and burglary.     

Do You Know What Your Oregon Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Grants Pass$315,0003.78$666
Lake Oswego$793,7912.91$1,568