Homeowners Insurance in Bethany, OR

Experts detail the best home insurance companies near you, which coverages you need, and more in in Bethany, OR.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Homeowners Insurance in Bethany, Oregon. Open floorplan in new luxury home with black trim windows.

There are 20,646 residents in Bethany, Oregon. When you own a home here, you'll want the best protection money can buy without all the extra expenses. Homeowners insurance will cover most losses to your property if you have the right coverage in place.

Fortunately, a Bethany, Oregon independent insurance agent can help you find the perfect policy for an affordable price. They even do the shopping for you at no additional cost, making it super-easy. Consider using a local agent to get started for free.

What Is Homeowners Insurance?

In Bethany, Oregon, homeowners' insurance will protect your property, family, and liability exposure when a covered loss occurs. This can be anything from property damage to a liability lawsuit involving a household member. To find the right home policy, a trusted agent can help.

What Does Homeowners Insurance Cover in Bethany, Oregon?

While you will have individualized limits under your Bethany, Oregon homeowners policy, the primary coverages will remain the same. Below are some primary coverages that are automatically included in your home policy:

  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for claims of bodily injury, property damage, or slander against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.

Contrary to popular belief, flooding is not covered under your homeowners policy. To have protection from damage caused by a flood, you'll need a separate flood insurance policy. Without this essential coverage, you will have to pay for the loss.

Common Disasters Homeowners Insurance Covers in Bethany, Oregon

Your Bethany, Oregon, homeowners insurance will help pay for numerous losses. The most commonly covered disasters and catastrophes under your home coverage are as follows:

  • Hail
  • Lightning
  • Severe storms
  • Fire
  • Wind
  • Theft and vandalism

Bethany's Weather-Related Statistics:

  • The number of natural disasters in Washington County: 12
  • Major presidentially declared disasters: 10
  • Emergencies declared: 1

Let's look at the top three causes in Bethany:

  • Floods: 6
  • Storms: 5
  • Landslides: 3

How Much Does Homeowners Insurance Cost in Bethany, Oregon?

The cost of your Bethany, Oregon homeowners insurance will be different from other homeowners. Your risk factors will determine your premiums. Below are the factors that carriers use to customize your home insurance pricing:

  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • How new your house is
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance near Me

When finding cheap homeowners insurance, you shouldn't have to sacrifice coverage. In Bethany, Oregon, your rates will be customized to your risk factors, making it impossible to know your exact costs without specific quotes. Check out the averages for homeowners insurance premiums below:

  • National average annual premium: $1,211
  • Oregon average annual premium: $677

Try bundling your home and auto policies to save on your homeowners insurance. This, paired with a good credit score, updated home and safety features, and a clean loss history, will save you money without cutting important protection limits.

What Are the Best Homeowners Insurance Companies in Bethany, Oregon?

Your home will need proper protection against all that life throws its way. Some insurance companies are better than others at covering your most significant asset. Below are commonly chosen carriers for Bethany, Oregon homeowners insurance:

Best Homeowners Insurance Companies in Bethany, OR Star Rating
5 star rating
4.5/5 star rating
5 star rating

The above carriers are highly rated for exceptional customer service and broad coverage selections for homeowners in the area. Get custom quotes through these and other reputable insurance companies for free. 

How a Local Agent Can Help Find Homeowners Insurance in Bethany, Oregon

If you're shopping for homeowners insurance, you'll need to know what it covers. One loss could quickly wipe out your assets if you're not adequately insured. Fortunately, a local agent can help for free.

A Bethany, Oregon independent insurance agent has access to dozens of carriers at once, giving you the best options on coverage and premiums for your home. They'll make the comparison at zero cost and present a policy that suits your needs. Consult with an independent agent to get started in minutes.

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