Homeowners Insurance Oregon

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Average Homeowners Insurance in Oregon: $450

Median Home Price in Oregon: $249,900

Oregon homeowners insurance rates in December 2013 stood at an average of $450 as compared to $470 in November 2013.

Insurance Premium Saving Tips in Oregon

  • Bundle your insurance:

    Bundling home and car insurance in Oregon with the same provider will have approximately $45 to $68 of savings in Oregon

  • Safety Systems:

    Having safety systems at home can save up to $79 in Oregon

  • New Home:

    If your home was built within the past 10 years in Oregon, you could save up to $90

  • Senior Discounts:

    Senior citizens (55 or older) in Oregon could save approximately $90

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under283
$50,000 to $74,999310
$75,000 to $99,999358
$100,000 to $124,999391
$125,000 to $149,999416
$150,000 to $174,999442
$175,000 to $199,999470
$200,000 to $299,999534
$300,000 to $399,999651
$400,000 to $499,999799
$500,000 and Over1,223

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under139
$14,000 to $19,999139
$20,000 to $25,999144
$26,000 to $31,999153
$32,000 to $37,999143
$38,000 to $43,999171
$44,000 to $49,999169
$50,000 to $74,999201
$75,000 to $99,999 255
$100,000 and Over357

Average homeowners insurance by county

CountyHome Insurance Cost
Multnomah County$387 to $523
Baker County$368 to $499
Tillamook County$380 to $515
Clatsop County$383 to $520
Lake County$363 to $498
Benton County$386 to $522
Deschutes County$386 to $522
Polk County$379 to $513
Morrow County$362 to $490
Yamhill County$380 to $515
Harney County$362 to $492
Curry County$382 to $522
Clackamas County$392 to $531
Crook County$374 to $510
Columbia County$378 to $512
Klamath County$369 to $499
Douglas County$372 to $503
Jefferson County$369 to $502
Coos County$373 to $506
Josephine County$380 to $514
Gilliam County$361 to $492
Washington County$389 to $526
Wasco County$372 to $505
Lane County$380 to $512
Sherman County$364 to $497
Union County$368 to $498
Marion County$375 to $508
Jackson County$381 to $517
Wallowa County$373 to $507
Umatilla County$366 to $496
Grant County$364 to $495
Malheur County$365 to $496
Wheeler County$360 to $491
Lincoln County$380 to $517
Linn County$371 to $503
Hood River County$390 to $534

Recent home insurance reviews

Company: Oregon’s homeowner insurance,
Location: None

Oregon is known for it’s breathtaking scenery and luscious forests. However, the main reason for all that green grass — lots and lots of rain — can also spell danger for homes. If you live in one of the major population centers on the western side of the state, your home could be invaded by mold and even be susceptible to water damage from backed up drains. And when all that vegetation dries out in the summer, wildfires can run rampant. In fact, Oregon ranked 5th in the nation in 2015 with 685,809 acres destroyed by wildfires.

All that being said, Oregon’s homeowner insurance rates are quite reasonably priced, coming in at just $568 – only half the national average of $1,096. The main reason is that, despite the many wildfires, less than 10 percent of the state’s homeowners claims are due to major catastrophes. Losses that lead to claims are usually isolated events that didn’t affect hundreds or thousands of residents at the same time.

From rich farmland to high desert, Oregon has it all. This means a homeowners policy (and its price) in Bend will probably look a whole lot different than one in Portland. That’s why you need to get a quote for yourself, and you can use the tool below to get started.


Home Insurance Monthly Trends

The below graph compares Oregons home median prices against, renters and owners home insurance average rates in Oregon.

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