Bend Insurance Rates:

Bend, OR home insurance is roughly $388 to $527, about $32-$43/month. Our complete analysis reveals consumers can save as much as $183 by comparing many quotes

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Research about Bend Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Oregon. Compare quotes & save.

Bend Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $560/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 1990 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $200/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 2090 sqft Primary Residence Constructed In 1989 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $480,000

5 Beds, 5 Baths 3050 sqft Seasonal Residence Constructed In 1993 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 1560 sqft Vacation Property Constructed In 1992 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $550/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Bath 2040 sqft Vacation Property Constructed In 2013 with Wood Flooring, Metal Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1180/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $690,000

5 Beds, 5 Bath 4970 sqft Primary Residence Constructed In 1988 with Stone Flooring, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $690/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 3330 sqft Rental Property Constructed In 2003 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $360/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1480 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $130/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Baths 2370 sqft Vacation Property Constructed In 2004 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $970/10 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 2056 sqft Primary Residence Constructed In 1993 with Stone Flooring, Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Bend, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97701 $309,200 $470
97702 $283,000 $470

Bend Rates & Quotes Analysis:

Bend Area Estimated House Insurance
Emigrant Dr, NE Nathan Dr, Keelally Ct, Heron Loop, SE Fairwood Dr, Hamby Rd, NW Carlon Ave, NW Fresno Ave, NE Canyon Park Pl, Watercress Way$453
Renee Ct, NE Elizabeth Ct, Futurity Ct, NW Bordeaux Ln, SE Hiddenwood Pl, NW Torsway St, NE Maker Way, NE Veronica Ln, Winston Loop, Arntz Ct$457
Sunbrook Dr, NW Juniper St, NW Ordway Ave, Mt High Dr, Allopex Ln, Clay Pigeon Ct, SE Perrigan Ln, NE Taurus Ct, SE Sun Ln, Richardson Hamby Rd$493
NE Vail Ave, Snowbrush Dr, Yellow Ribbon Ln, NW Tower Rock Rd, NE Medical Center Dr, Vintage Ln, NW State St, Russell Dr, Wishing Well Ln, Parrell Rd$455
NW Mesa Verde Pl, NE Innes Ln, Omer Dr, Starling Dr, Sherman Rd, NE Alpenview Ln, NE Burnside Ave, NE Weeping Willow Dr, NE Acorn Ct, Archie Briggs Rd$458
Bridgecliff Dr, Jayhawk Ln, NE Jackdaw Dr, Rimrock Dr, Clausen Dr, Raintree Ct, NW 11th St, SE Admiral Way, High Desert Ct, Roats Ln$448
S Queens Dr, Caddisfly Way, Buck Dr, NE 11th St, Oakview Dr, Penhollow Ln, Winterpark Ln, SE Centennial St, NW Talapus Ct, Tapadera St$458
NW McCann Ave, Crestview Ct, NW Columbia St, NE Yale Ave, Morning Tide Pl, Loy Ln, King Solomon Ct, Telluride Dr, NW Windwood Way, Nisiki Ct$451
Gosney Ln, Overton Pl, Wild Goose N, NE Covington Ln, Chase Rd, NE Cackler Ln, NE Dekalb Ave, Desert Sage Dr, Crooked Rock Dr, Laurel Oak Dr$453
Hammock Ct, SW Division St, NE Jill Ave, Robinwood Pl, NW Via Toscana, Clarion Ave, Doanna Way, NE Halston Ct, SW Ashwood Dr, Brown Trout Pl$453

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,273 Homes (15% of total) built between 1970 to 1979 in Bend are paying home insurance between $741-$748 and differs from Eagle Crest (+$45), Powell Butte (+$21), Tumalo (+$51), Deschutes River Woods (-$19) and Redmond (-$26).
  • Bedrooms: 5,375 4 bedrooms homes (13% of total homes ) in Bend are paying about $445. Areas near to Bend such as Pronghorn, Seventh Mountain, Eagle Crest are costlier by $123, $49, $26 respectively whereas Deschutes River Woods and Deschutes County are more economical by $12, $4 respectively for similar homes.
  • Auto Insurance Bundling: 6,296 Households (27% of all households) in Bend have 3 or more vehicles available and when it is bundled with home insurance you can save $114 compared to Pronghorn ($146), Tetherow ($123), Deschutes River Woods ($111).
  • Senior Discounts: 11,251 seniors (more than 55 years) occupied housing units (49% of total) in Bend get discounts between $68 to $70. The comparative concessions in proximate regions such as Pronghorn, Tetherow and Deschutes River Woods are $87, $74 and $66 respectively.
  • New Homes discounts: New homes such as the 24,409 homes built between 2000 to 2009 in Bend can save $91 compared to Pronghorn ($117), Tetherow ($98), Deschutes River Woods ($89).

Bend Homeowners insurance Facts

  • Bend, OR has 22,695 owner occupied houses which is 62.2% of all units whereas Pronghorn, Tetherow and Deschutes River Woods have 100.0%, 100.0% and 76.62% respectively.
  • Bend, OR homeowners yearly insurance price at $458 is 0.16% of the typical house value of $291,300 which is in contrast with 0.06% in Pronghorn, 0.1% at Tetherow & 0.2% in Deschutes River Woods.
  • Homeowners in Bend, OR pay 0.83% of their income ($50,000 to $59,999) in insurance whereas homeowners in Deschutes River Woods, Deschutes County and Redmond pay 0.81%, 0.83% and 0.8% respectively.
  • Bend, OR’s insurance is 2.2% of monthly housing costs of $1,736/month, for owners with a mortgage compared to 2.51% in Deschutes River Woods, 2.29% at Deschutes County & 2.42% in Redmond. But, for households without a mortgage, insurance is 7.7% of costs ($496 in Bend, OR) in contrast with 8.28% in Deschutes River Woods, 8.05% at Deschutes County & 8.55% in Redmond.

Bend, OR Home Values & Insurance rates

For example, insurance for 2,812 Homes (17.0% of total homes ) valued between $250,000 to $299,999 in Bend, OR is about $430. Rates in nearby areas in such as Seventh Mountain, Eagle Crest, Powell Butte are cheaper by $186, $130, $73 respectively while Deschutes River Woods and Deschutes County are costlier by $109 and $28 respectively for similar homes.

Bend, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 939 5.0% $36
$100,000 to $124,999 575 3.0% $169
$125,000 to $149,999 1,462 8.0% $215
$150,000 to $174,999 1,547 9.0% $251
$175,000 to $199,999 1,442 8.0% $293
$200,000 to $249,999 2,513 15.0% $352
$250,000 to $299,999 2,812 17.0% $430
$300,000 to $399,999 4,488 27.0% $549

Renters Insurance in Bend

  • Average Renters Insurance in Bend :  $113($9/month)

  • Median Gross Rent in Bend :  $914

  • Bend Renters Insurance to Median Rent Ratio:  0.98%

  • Renter occupied housing units in Bend :  13,794

Bend Renters Insurance as a Percentage of Rent

Bend Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 180 1.0% $328
$200 to $299 206 1.0% $778
$300 to $499 365 2.0% $1228
$500 to $749 2,912 21.0% $1903
$750 to $999 4,525 33.0% $2653
$1,000 to $1,499 3,779 27.0% $3778
$1,500 or more 1,567 11.0% $5428

Protective device discount in Bend Up to :  $16

Claims-free discount in Bend Up to :  $22

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