Oregon Homeowners Insurance

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

Get cheap homeowners insurance in Oregon


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. Home insurance defends your dwelling and property in the event of a number of misfortunes, such as fire, theft, vandalism, or wind damage.

Serious differences emerge in homeowners insurance rates from state to state. Homeowners rates in US states may differ depending on the number and total value of homeowners claims filed statewide, and depend on the value of the dwelling and belongings being insured.

The best way to acquire cheap home insurance in Oregon is to get quotes from as many insurers as possible. Learn more about home insurance rates in Oregon via the below breakdown. Remember: your home insurance rates will vary, depending on your coverage limits.


Oregon homeowners insurance:
  1. By insurance company
  2. By city
  3. How to bundle home and auto insurance


Homeowners insurance prices in Oregon by insurer

Home insurance prices in Oregon can vary depending on the insurance company you use. Safeco underwrites the most affordable home insurance in Oregon — just $367 yearly. This is less than the state's average rate of $840, providing a $473 price break on average statewide homeowners insurance costs.

Start searching for a homeowners insurance policy by checking out the cheapest Oregon home insurance carriers, listed 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 home insurance prices: by city

Home insurance rates in Oregon vary depending on the city. Pricing may depend on city-specific variables, such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable homeowners insurance in Oregon is found in Tualatin. An average homeowners insurance policy in Tualatin costs just $697 per year — $143 less than the average homeowners policy in other Oregon cities. Reference the below table to see the cheapest cities in Oregon for home insurance.


AFFORDABLE HOMEOWNERS 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


Oregon insurance bundling discounts: homeowners and auto

If you want to save on insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in Oregon can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in Oregon may earn you average annual savings of $160.


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


One of the best ways to save on auto insurance is to bundle your policies. Find a policy today!


Compare rates from top car insurance companies.

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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)