Property insurance in Oregon will replace both your home and belongings. It also includes liability insurance against injuries or property damage caused by family members or household pets. Property insurance will also cover temporary living expenses while you live away from home because of a natural disaster.

Property insurance in Oregon provides protection against fire, hurricanes, hail and lightning in addition to other natural disasters that are specified in the policy. However, you will need a separate policy for earthquakes and floods which are normally not covered by a standard home insurance policy. Oregon home insurance providers will not cover losses caused by poor maintenance.

There are three key points that will affect the cost of property insurance in OR:

1. The location of the property may require additional home insurance. Oregon properties should also be protected against ice, sleet and snow.
2. Effective loss-control measures can control the premium for home insurance. Oregon insurance rates will usually be lower if you install an alarm system.
3. Home insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.
   

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Oregon homeowners insurance

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Most Choice specializes in property insurance and allows you to search for quotes by zip code. Insurance.com finds quotes by zip code and represents the largest carriers of homeowners insurance.

Find Oregon homeowners insurance brokers who represent major carriers

Locate a Oregon property insurance company through an agency. The agency represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Go to Allstate and search for a list of agents in a given location. This web site also allows agents to be searched for by name. Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States.

Get an Oregon home insurance policy from a local agent

Contact Oregon property insurance companies rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: The Robert Rood Insurance Agency provides personal insurance to residents of the Rogue Valley in Oregon. People’s Insurance specializes in discount insurance for your home and auto and operates only in Oregon.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Oregon property insurance will cover the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.