Oregon Homeowners Insurance

Finding a homeowners insurance policy doesn’t need to be stressful. Compare rates by city and insurance company below.

How to find cheap home insurance in Oregon


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners policy covers your dwelling and property in the event of a variety of circumstances, including theft, fire, vandalism, or wind damage.

Unlike car insurance, home insurance isn't priced based on state-level legislation. Even so, major differences exist in homeowners insurance rates from state to state. Home insurance prices in a given state vary depending on the number and cost homeowners claims filed across the state, and also on the price of the belongings and home you're insuring.

The best way to get a cheap home insurance policy in Oregon is to compare rates and consider policies from as many insurance companies as you can. Get an idea of how much home insurance costs in Oregon via the below breakdown. Individual rates may vary depending on coverage options.


Oregon homeowners insurance:
  1. Rates by company
  2. Rates by city
  3. Insurance bundling discounts
  4. FAQs

Homeowners insurance rates in Oregon by carrier

Rates for home insurance in Oregon can vary depending on which insurer you select. Safeco offers the cheapest home insurance in Oregon — just $367 per year. This compares favorably to the state average rate of $840, offering a $473 discount on the typical rates in the state.

Begin your search for cheap homeowners insurance by reviewing the best Oregon companies, detailed below.


HOMEOWNERS INSURANCE RATES IN OREGON: BY CARRIER
Insurance CompanyAverage Annual Rate in Oregon
Safeco$366.98
Enumclaw$472.33
Travelers$633.78
Oregon Mutual$651.47
MetLife$732.72

Oregon homeowners insurance by city

Not all Oregon cities have equal homeowners insurance rates. Policy rates rely on on city-specific variables like the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance in Oregon is found in Tualatin. A typical homeowners insurance term in Tualatin totals just $697 per year — $143 less than the average Oregon rate. The below table shows the best places to live in Oregon if you’re looking for cheap homeowners insurance.


AFFORDABLE HOME INSURANCE BY CITY IN OREGON
CityAverage Annual Home Insurance Rate
Tualatin$696.82
Aloha$702.74
Hillsboro$718.15
Beaverton$724.74
Corvallis$730.34

Tip: bundle home and auto insurance in Oregon

If you want to save on home insurance, consider carrying your home and auto policies with the same insurance company. Bundling home and auto insurance in Oregon can lead to substantial savings on car insurance. Bundling home and auto policies in Oregon may earn you a yearly discount of $160.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN OREGON
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,373.00$1,213.00$160.0013%

A great way to save is to bundle your auto and homeowners insurance policies. Compare rates today!


Seeking information on home insurance in a particular city?

  1. Portland

Oregon homeowners insurance FAQs


Does GEICO do homeowners insurance in Oregon?

Yes - GEICO provides coverage for homeowners in the state of Oregon.

Does homeowners insurance cover boats in Oregon?

In Oregon, it's typical for many homeowners policies to extend liability coverage to boats under a certain size (usually under 25 feet in length and 50 horsepower). This means that it is likely to pay should you cause an accident. However, this will not typically provide much coverage for damages to your boat. For more robust coverage you may need a separate boat policy.

Does Oregon allow a non-homeowner to insure a house?

Oregon requires you to have an "insurable interest" in the property before you are allowed to insure it. As a non-homeowner, it's highly unlikely that any insurance company would allow you to take out a policy on a piece of property owned by others.


Fire insurance in Oregon

Fire damage is typically covered by every standard home insurance policy in Oregon.If a fire destroyed or damaged your home,your home insurance company would cover the damage to your property — up to your policy limits. The frequency of wildfires inOregon reinforces the importance of having home insurance: 9% of houses in the state are considered at risk of sustaining wildfire damage, and897, 263acres were burned in the state in 2018.*

Dealing with wildfires and home insurance can get complicated. Check out our guide to learn more

Your home insurance policy would cover additional living expenses if your dwelling is deemed uninhabitable. Damage occurring via arson — or fire-related damage to a vacant home — will not be covered by a home insurance policy.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)


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