Gresham Insurance Rates:

Gresham, OR home insurance is approximately $380 to $513, about $31-$42/month. Our extensive analysis indicates shoppers can save as much as $178 by getting multiple quotes

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Gresham Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Hartford Insurance Group
Home Insurance Rate of $800/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 2340 sqft Primary Residence Constructed In 2012 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who is Retired with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2110 sqft Vacation Property Constructed In 2006 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $830/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Bath 3060 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $550/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Bath 3070 sqft Primary Residence Constructed In 1998 with Stone Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 871 sqft Primary Residence Constructed In 1974 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Gresham, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97080 $254,500 $450
97030 $218,000 $450

Gresham Rates & Quotes Analysis:

Gresham Area Estimated House Insurance
SE Hosner Ter, SW Riverview Way, SE 175th Pl, Albus Ave, SE Main Dr, SE Palmquist Rd, NE 189th Pl, SE 190th Dr, SE 13 Ter, SW 6th St$452
NE 5th St, SE 22nd Ct, SE Condor St, SE 14th Pl, NE 177th Pl, SE Orient Dr, SE 169th Ave, SE 327th Ave, SE 13th Ter, NE 230th Ct$451
SE 223rd Ave, NE Cameron Blvd, NE Clear Creek Way, SE Greenway Dr, NE 172nd Ave, NE 236th Pl, SE 178th Pl, SW Binford Lake Pkwy, SE 199th Ave, NE Clackamas Ct$446
SE Morlan Pl, SE 24th Cir, NE 23rd St, NE 229th Ct, SW Florence Ave, NE San Rafael Dr, SW Mitchell Ave, NE 165th Dr, SW 20th Way, NE 206th Ave$447
SE Hosner Rd, NE Hood Ave, SE Mimosa Dr, SW Brixton Ave, NE Village St, SE Sweetbriar Rd, SW 20th Cir, SE Vista Way, NE 25th St, SE 221st Ave$455
SW Wallula Ave, SW Ava Ave, NW Burnside Rd, SW 3rd Dr, SE 33rd Way, SW 14th St, SW Hope Cir, NE 7th St, SW Eastman Ave, SE 185th Ave$444
SE 29th St, SW Riverview Pl, SE Kane Rd, SE 195th Ave, SE 268th Ave, SE 32nd St, 7th St, SE McKinley Rd, NE Condor Dr, SE Paropa Ave$451
SE Harlow Ave, NE 206th Pl, NE 172nd Pl, NE Wasco Ct, SE Spruce Ave, SE 169th Pl, NE 171st Ave, SW Emerald Ln, NE Liberty Ave, NW Sundial Rd$441
NE 238th Dr, SW Walters Ave, SW 25th St, SE Anderson Ave, SE 292nd Pl, NW 8th Ct, SE 13th St, SE la Mesa Ave, NE Barr Rd, SW Heiney Rd$451
SE McNutt Rd, NW Council Dr, SE Margaret St, SW Mitchell Ct, SW Lillyben Ave, SE Hawthorne Ct, NE 19th St, SE Darling Ave, SE 185th Ave, SW Grant Way$453

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,821 Homes (12% of total) built between 1980 to 1989 in Gresham are paying home insurance between $665-$672 in contrast with Multnomah County (+$13), Washougal(WA) (+$224), Damascus (+$34), Wood Village (-$27) and Johnson City (-$55).
  • Bedrooms: 15,535 2 bedrooms homes (29% of total homes ) in Gresham are paying about $206. Areas near to Gresham such as Troutdale, Multnomah County, Washougal(WA) are costlier by $5, $4, $69 respectively whereas Wood Village and Johnson City are more economical by $4, $13 respectively for similar homes.
  • Auto Insurance Bundling: 12,789 Households (45% of all households) in Gresham have 2 vehicles available and when it is bundled with home insurance you can save $89. Discounts for similar bundling in close by locations such as Wood Village, Troutdale, Multnomah County come to $85, $89, $91 respectively.
  • Senior Discounts: 13,186 seniors (more than 55 years) occupied housing units (46% of total) in Gresham get discounts between $66 to $69 and varies from Wood Village ($64), Troutdale ($67), Multnomah County ($68).
  • New Homes discounts: New homes such as the 24,100 homes built between 2000 to 2009 in Gresham can save $89 and similar new home insurance discounts in nearby towns and cities like Wood Village, Troutdale and Multnomah County are $85, $89 and $91 respectively.

Gresham Homeowners insurance Facts

  • Gresham, OR has 28,324 owner occupied houses which is 56.1% of all units whereas Wood Village, Troutdale and Multnomah County have 61.75%, 70.19% and 54.73% respectively.
  • Gresham, OR homeowners yearly insurance price at $446 is 0.19% of the typical house value of $229,100 which is in contrast with 0.35% in Wood Village, 0.19% at Troutdale & 0.16% in Multnomah County.
  • Homeowners in Gresham, OR pay 8.92% of their income (Less than $10,000) in insurance whereas homeowners in Wood Village, Troutdale and Multnomah County pay 8.56%, 8.94% and 9.1% respectively.
  • Gresham, OR’s insurance is 2.2% of monthly housing costs of $1,707/month, for owners with a mortgage compared to 2.32% in Wood Village, 2.14% at Troutdale & 2.14% in Multnomah County. But, for households without a mortgage, insurance is 7.2% of costs ($516 in Gresham, OR) in contrast with 5.61% in Wood Village, 7.35% at Troutdale & 6.8% in Multnomah County.

Gresham, OR Home Values & Insurance rates

For example, insurance for 2,854 Homes (10.0% of total homes ) valued between $175,000 to $199,999 in Gresham, OR is about $361. Rates in nearby areas in such as Multnomah County, Damascus, Happy Valley are cheaper by $57, $118, $154 respectively while Wood Village and Troutdale are costlier by $285 and $1 respectively for similar homes.

Gresham, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,316 8.0% $44
$100,000 to $124,999 697 2.0% $214
$125,000 to $149,999 1,234 4.0% $267
$150,000 to $174,999 2,126 7.0% $312
$175,000 to $199,999 2,854 10.0% $361
$200,000 to $249,999 7,312 27.0% $437
$250,000 to $299,999 5,215 19.0% $535
$300,000 to $399,999 4,145 15.0% $677

Renters Insurance in Gresham

  • Average Renters Insurance in Gresham :  $147($12/month)

  • Median Gross Rent in Gresham :  $873

  • Gresham Renters Insurance to Median Rent Ratio:  1.37%

  • Average household size of renter-occupied unit :  2.6

Gresham Renters Insurance as a Percentage of Rent

Gresham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 258 1.0% $786
$300 to $499 690 3.0% $1236
$500 to $749 4,601 21.0% $1911
$750 to $999 9,248 42.0% $2661
$1,000 to $1,499 4,916 22.0% $3786
$1,500 or more 1,797 8.0% $5436

Rent Affordability in Gresham:

Approximately 49.0% (10,975) of households are spending more than 35% of their income on gross rent in Gresham

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,512 6.0%
15.0 to 19.9 percent 2,264 10.0%
20.0 to 24.9 percent 2,578 11.0%
25.0 to 29.9 percent 2,838 12.0%
30.0 to 34.9 percent 2,014 9.0%
35.0 percent or more 10,975 49.0%

Gresham Renters Insurance Discounts:

Gresham Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Gresham, OR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,974 49.0% $14.7
2 vehicles available 5,973 26.0% $22.05
3 or more vehicles available 1,406 6.0% $29.4

Protective device discount in Gresham Up to :  $22

Claims-free discount in Gresham Up to :  $29