Medford Insurance Rates:

Medford, OR home insurance is roughly $377 to $511, about $31-$42/month. Our complete research reveals consumers can save upto $177 by getting multiple quotes

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Medford Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $370/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 1790 sqft Vacation Property Constructed In 1986 with Wood Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $130/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $560,000

5 Beds, 5 Baths 4250 sqft Vacation Property Constructed In 2005 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Bath 2380 sqft Seasonal Residence Constructed In 1995 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $610/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 3100 sqft Rental Property Constructed In 1996 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1810 sqft Primary Residence Constructed In 2014 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Male who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/3 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Baths 2050 sqft Primary Residence Constructed In 1999 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Medford, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97504 $266,500 $450

Medford Rates & Quotes Analysis:

Medford Area Estimated House Insurance
Seventh Fairway Dr, Pheasant Way, Griffin Oaks Dr, Fieldbrook Ct, Windsong Way, Ardmore Ave, Woodlawn Dr, Stark St, W Pine St, Capital Ave$462
Eagle Creek Dr, Stonefield Way, Larkfield Ln, Brae Dr, Yale Dr, Milford Dr, Cardinal Ave, Wellington Dr, Shannon Dr, E Oak St$439
Souvenir St, Circle Wood Dr, Edgemont Dr, Grumman Dr, Reddy Ave, Eagle Trace Dr, Rochelle Ct, Amelia Way, Genessee St, Lexington Dr$442
Center Dr, Brian Way, Oak Pine Way, Commanche Dr, Fieldstone Dr, Charlotte Ann Rd, Duell Ave, Sparrow Way, 29th St, Lozier Ln$408
N 8th St, Ramada Way, Happy Valley Dr, Minnesota Ave, Ivern Dr, Clearview Ave, Village Blvd, Terrmont St, Finley Ln, Hazel St$440
Kaitlin Ln, N 6th St, Lear Way, Island Pointe Dr, Meadows Ln, Samoan Way, Hyacinth Ave, E 10th St, Alexander Ln, Kenwood Ave$465
Jasmine St, Meridian Rd, John Wayne Dr, Ave H, Shadow Glen Dr, Snowy Butte Rd, Garrett Ct, Pierce Rd, Stearns Way, Sandlewood Dr$460
Rebecca Dr, S Front St, Amerman Dr, Airport Rd, W 3rd St, Ross Ln, Roberts Rd, W Stewart Ave, Overcup St, Cadet Dr$446
Evan Way, Hidden Valley Ct, Silver Palm Cir, Bel Air Ct, Todd Cir, Mayette St, N Phoenix Rd, N Runway Dr, Christie Ct, Temple Dr$450
Palm St, W McAndrews Rd, Lynn St, Knutson Ave, Winter Nell Cir, E Dutton Rd, Eagle Trace Dr, Cheryl Ln, Janes Rd, Sunrise Ave$464

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,009 Homes (18% of total) built between 1970 to 1979 in Medford are paying home insurance between $719-$726 and varies from Jacksonville (+$33), Sams Valley (+$10), Ruch (+$43), White City (-$27) and Phoenix (-$15).
  • Bedrooms: 15,419 2 bedrooms homes (28% of total homes ) in Medford are paying about $209 and differs from Jacksonville (+$5), Ruch (+$8), Ashland (+$4), White City (-$8) and Phoenix (-$4).
  • Auto Insurance Bundling: 7,888 Households (26% of all households) in Medford have 3 or more vehicles available and when it is bundled with home insurance you can save $111. Discounts for similar bundling in close by locations such as Central Point, Jacksonville, White City come to $111, $116, $106 respectively.
  • Senior Discounts: 17,404 seniors (more than 55 years) occupied housing units (58% of total) in Medford get discounts between $66 to $68. The comparative concessions in proximate regions such as Central Point, Jacksonville and White City are $66, $69 and $64 respectively.
  • New Homes discounts: New homes such as the 25,591 homes built between 2000 to 2009 in Medford can save $88 and similar new home insurance discounts in nearby towns and cities like Central Point, Jacksonville and White City are $88, $92 and $85 respectively.

Medford Homeowners insurance Facts

  • Medford, OR has 29,702 owner occupied houses which is 58.2% of all units whereas Central Point, Jacksonville and White City have 60.28%, 69.37% and 73.4% respectively.
  • Medford, OR homeowners yearly insurance price at $444 is 0.21% of the typical house value of $215,400 which is in contrast with 0.21% in Central Point, 0.14% at Jacksonville & 0.36% in White City.
  • Homeowners in Medford, OR pay 1.97% of their income ($20,000 to $24,999) in insurance whereas homeowners in Central Point, Jacksonville and White City pay 1.97%, 2.06% and 1.9% respectively.
  • Medford, OR’s insurance is 2.4% of monthly housing costs of $1,532/month, for owners with a mortgage compared to 2.18% in Central Point, 2.07% at Jacksonville & 2.83% in White City. But, for households without a mortgage, insurance is 8.0% of costs ($461 in Medford, OR) in contrast with 8.11% in Central Point, 7.3% at Jacksonville & 7.28% in White City.

Medford, OR Home Values & Insurance rates

For example, insurance for 4,755 Homes (18.0% of total homes ) valued between $200,000 to $249,999 in Medford, OR is about $461. Rates in nearby areas in such as Jacksonville, Eagle Point, Jackson County are cheaper by $141, $32, $44 respectively while White City and Phoenix are costlier by $354 and $126 respectively for similar homes.

Medford, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,048 11.0% $48
$50,000 to $59,999 334 1.0% $106
$60,000 to $69,999 271 1.0% $133
$80,000 to $89,999 325 1.0% $173
$90,000 to $99,999 565 2.0% $195
$100,000 to $124,999 1,516 5.0% $226
$125,000 to $149,999 1,742 6.0% $279
$150,000 to $174,999 2,723 10.0% $333
$175,000 to $199,999 2,684 10.0% $386
$200,000 to $249,999 4,755 18.0% $461
$250,000 to $299,999 3,373 13.0% $563
$300,000 to $399,999 4,239 16.0% $719

Renters Insurance in Medford

  • Average Renters Insurance in Medford :  $154($12/month)

  • Median Gross Rent in Medford :  $859

  • Medford Renters Insurance to Median Rent Ratio:  1.4%

  • Renter occupied housing units in Medford :  21,337

Medford Renters Insurance as a Percentage of Rent

Medford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 216 1.0% $338
$200 to $299 410 2.0% $788
$300 to $499 1,124 5.0% $1238
$500 to $749 5,093 25.0% $1913
$750 to $999 6,219 30.0% $2663
$1,000 to $1,499 5,267 25.0% $3788
$1,500 or more 2,033 9.0% $5438

Protective device discount in Medford Up to :  $23

Claims-free discount in Medford Up to :  $30