Renters Insurance in Oregon

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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 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.

Apartment building in spring. Find Oregon renters insurance.

When searching for Oregon renters insurance, not all policies are the same. In many cases, a lack of knowledge can mean obtaining a policy that's not sufficient for your needs. Fortunately, you're not alone, and a local expert can help.

An independent insurance agent in Oregon will be in touch with dozens of highly rated carriers and knows how to provide the proper protection for your unique situation. They do the shopping and comparing for free, making it easy for you. Connect with a trusted adviser to get started in minutes. 

What Is Renters Insurance?

Renters insurance will help cover your risk exposure as a renter in today's world. Check out how it works:

  • Renters insurance: This policy will protect you and your personal belongings from fire, theft, vandalism, and severe weather loss. Liability coverage is included to protect the renter from a lawsuit due to property damage or injury of a third party while on your premises.

What Does Renters Insurance Cover in Oregon?

In Oregon, your renters insurance policy will come with primary coverage options that are tailored to your specific needs. Check out the main coverages included under your renters policy:

  • Renters liability coverage: If injury or property damage of a third party on your property occurs, this coverage will pick up the bill. It will also pay for court fees and legal expenses resulting from a covered claim.
  • Renters contents coverage: Also known as personal property coverage, this limit pays for the replacement or repair of your belongings. This includes losses due to fire, theft, severe weather damage, and vandalism, among others.

Common questions on renters insurance coverage:

  • Does renters insurance cover a fire loss? Most renters insurance policies will cover a fire loss. This includes replacing or repairing personal property as well as medical expenses when an injury is sustained.
  • Does renters insurance cover car theft? If personal belongings are stolen from your vehicle, then a standard renters policy will usually cover up to 10% of the loss. If the car itself is stolen, an auto insurance policy is needed to cover the vehicle itself.
  • Does renters insurance cover water damage? When a pipe bursts or leakage occurs causing damage to your contents, a renters policy will typically cover the loss of your belongings. However, if a flood occurs, coverage is not there and a separate flood policy is necessary.

What Does Renters Insurance Not Cover?

Every policy will have losses that are not covered for one reason or another. It's important to understand what your Oregon renters insurance will protect against, and what it won't. Take a look at some examples of claims that most renters policies won't cover:

  • Intentional losses like arson
  • Water/sewer backup unless added
  • The exterior of the building
  • Flooding

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Is Renters Insurance Required by Law?

Different states will have different requirements when it comes to insurance coverage. In Oregon, you're not mandated by state law to carry renters insurance. However, a landlord will want you to carry it and will also want to be listed on your renters insurance policy as an additional insured to protect their interests. They'll require you to show a certificate of insurance proving coverage before they will rent to you.

What are the Best Renters Insurance Companies in Oregon?

When you're looking for the perfect renters insurance policy in Oregon, you'll have options. Before you can find the best coverage, you'll need to know who offers protection in your area. Check out some highly rated carriers below:

You can get custom quotes from these insurance companies and others through an independent insurance agent. They'll compare coverage through a network of markets for you. 

Why Shop Renters Insurance with an Independent Agent?

If you've been needing renters insurance but are unsure where to start, consider using a trusted adviser. A local expert can help find a policy that fits your needs and budget. They'll even do the shopping for you at no additional cost. 

When you connect with an Oregon independent insurance agent, you'll get a knowledgeable professional. Since they have multiple carrier options, your pricing and coverage are top-notch. Find an Oregon agent in your area in minutes. 

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