Astoria Insurance Rates:

Astoria, OR homeowners insurance is roughly $382 to $519, about $31-$43/month. Our all inclusive guide reveals consumers can save as much as $180 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I do save some money using my state farm and my agent gives me discounts on my policies as i have other policies with them.
Allstate
Allstate would offer more incentive for staying long with the company. however, i didn’t get
Travelers
Their pricing is upfront and easy to determine if i want to adjust what i want my coverage to be for, online or speaking with a person.
State Farm
Their customer service has always been kind and courteous. They are easy to get in touch with and usually quite helpful.
Progressive
The rating I would give is a for our insurer. We were well pleased because did not need to come out of our pocket for our roof.
Nationwide
There’s really nothing to dislike that I have seen so far. Of course, I wouldn't complain if they reduced my costs.

Astoria, OR Homeowners Insurance By Home Value

Astoria, OR Home Value Total Homes % of Total Average Astoria, OR Homeowners Insurance
Less than $50,000 338 5.0% $40
$80,000 to $89,999 62 1.0% $148
$90,000 to $99,999 73 1.0% $166
$100,000 to $124,999 255 4.0% $193
$125,000 to $149,999 207 3.0% $243
$150,000 to $174,999 701 12.0% $288
$175,000 to $199,999 381 6.0% $333
$200,000 to $249,999 1,184 20.0% $401
$250,000 to $299,999 1,159 20.0% $487
$300,000 to $399,999 1,290 22.0% $622

Top Home Insurance Agents Near Astoria, OR

Home Insurance Company Near Astoria, OR Homeowners Insurance Agency Near Astoria, OR Address
Travelers High Cascades Agency 25 A ST SW, CASTLE ROCK, WA, 98611
State Farm Jeremy Mills 815 S Holladay Dr, Seaside, OR, 97138-6608
State Farm Marcy Harper 936 E Harbor Dr, Warrenton, OR, 97146-9608
State Farm Rick Berezay 653 W Marine Dr, Astoria, OR, 97103-5812
Allstate Tri-City Ins Ii 225 W Columbia River Hwy, Clatskanie, OR, 97016

Cost Of Homeowners Insurance By Street Near Astoria, OR

Streets in Astoria Area Homeowners Insurance Cost
Park Ave, Lake Shore Ct, SE 9th St, 54th St, Dune Rd, King Salmon St, Fort Stevens, W Lexington Ave, 9th Ave, Simonson Loop Rd$445
48th St, W Exchange St, 22nd St, Waldorf Cir, 36th St, Lake Front Ct, NW Cedar Ave, Loukas Ln, East Rd, Waldorf Pl$446
Shady Pine Rd, Silverspot Ln, Karpens Airport Ln, SE 10th Pl, Elkhorn Dr, Clark Rd, Floral Ave, Towhee Dr, Pine Ridge Ct, SE Heron Ave$459
SE Honeysuckle Loop, Southwind Cir, Spruance Rd, Highland Ln, Silverside St, Wiley Ln, W Bond St, Bridge View Ct, Fort Stevens Hwy, Lyngstad Heights Ln$453
Lanthorn L N, Pinehurst Rd, SW Cedar Loop, Florence Ct, E Columbia River Hwy, Schaffer Dr, NW 13th St, NW Birch Ave, W Irving Ave, 27th St$443

Astoria, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Astoria$67 to $69
Jeffers Gardens$67
Warrenton$66
Gearhart$69

Astoria, OR Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Jeffers Gardens CDP, Oregon $56 $75 $112
Warrenton city, Oregon $55 $73 $110
Gearhart city, Oregon $58 $77 $116

Astoria, OR Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Astoria, OR2.5%8.7%
Jeffers Gardens2.73%10.39%
Warrenton2.71%9.16%
Gearhart2.16%10.33%

Astoria Renters Insurance as a Percentage of Rent

Astoria Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 120 3.0% $783
$300 to $499 367 10.0% $1233
$500 to $749 1,231 34.0% $1908
$750 to $999 1,065 30.0% $2658
$1,000 to $1,499 545 15.0% $3783
$1,500 or more 202 5.0% $5433

Astoria, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Astoria Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Astoria Home Owner from High Deductible Plan $600

Astoria, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Astoria, OR Home Replacement Value MORE than Home Value Astoria, OR Home Replacement Value LESS than Home Value
Replacement Value $312,000 $220,500
Insurance Premium based on Replacement Value $850 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,000 Risk Exposure from Under Insuring Coverage is $58,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $75/year

Example Astoria Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceAllstate
Monthly Premium 4413169
Year Built 195219431989
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$400000-$500000$400000-$500000
Deductible $500 Deductible$500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Astoria, OR from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 270,000 Wood Shake Roof 1,700 3 $5000 to $10,000 Deductible 420 10 Brick siding yes
2010 570,000 Shingles Roof 3,640 5 $500- $1000 Deductible 1490 12 Brick siding yes
1948 350,000 Membrane Roof 2,270 4 $2500-$5000 Deductible 370 7 Vinyl siding yes
2009 665,000 Composition Roof 4,850 5 > $10,000 Deductible 610 9 Wood siding yes
1956 340,000 Composition Roof 2,330 3 $1000-$2500 Deductible 60 1 Brick siding No
2004 305,000 Membrane Roof 2,110 5 $500- $1000 Deductible 830 10 Stucco siding No
1986 405,000 Metal Roof 2,640 4 > $10,000 Deductible 340 6 Fiber-Cement Siding yes
2000 320,000 Tile Roof 2,250 3 > $10,000 Deductible 180 6 Brick siding No
1984 475,000 Wood Shake Roof 3,190 5 > $10,000 Deductible 460 7 Wood siding No
1981 270,000 Asphalt Shingles Roof 1,740 3 $5000 to $10,000 Deductible 260 6 Wood siding No
1953 225,000 Asphalt Shingles Roof 2,040 3 $2500-$5000 Deductible 480 8 Stone Siding yes
1943 375,000 Tile Roof 3,390 4 > $10,000 Deductible 50 1 Vinyl siding No
1947 235,000 Membrane Roof 1,710 3 $1000-$2500 Deductible 590 9 Brick siding yes
1980 225,000 Asphalt Shingles Roof 1,590 3 $500 Deductible 240 4 Brick siding No
2010 220,000 Slate Shingles Roof 1,420 3 $5000 to $10,000 Deductible 120 4 Stone Siding No
2013 225,000 Tile Roof 1,780 3 $2500-$5000 Deductible 110 2 Stucco siding yes
1946 315,000 Composition Roof 2,310 3 $500 Deductible 580 9 Stucco siding yes
2010 235,000 Composition Roof 1,790 5 $1000-$2500 Deductible 70 1 Fiber-Cement Siding yes
1947 515,000 Slate Shingles Roof 3,440 5 > $10,000 Deductible 710 12 Stone Siding yes
1956 255,000 Wood Shake Roof 1,880 5 $5000 to $10,000 Deductible 290 6 Brick siding No
2014 385,000 Composition Roof 2,560 5 > $10,000 Deductible 280 6 Vinyl siding No
1982 195,000 Membrane Roof 1,310 3 $500- $1000 Deductible 290 6 Wood siding No
2014 170,000 Membrane Roof 1,430 3 $500 Deductible 150 4 Wood siding No
1984 540,000 Shingles Roof 3,380 4 $500- $1000 Deductible 1200 12 Fiber-Cement Siding yes
1952 355,000 Composition Roof 2,350 4 $500 Deductible 590 9 Brick siding yes
1942 260,000 Metal Roof 1,900 4 $5000 to $10,000 Deductible 100 3 Vinyl siding yes
1944 245,000 Metal Roof 1,580 3 > $10,000 Deductible 290 8 Stone Siding yes
2008 265,000 Wood Shake Roof 2,070 3 $500 Deductible 360 7 Fiber-Cement Siding yes
1984 735,000 Shingles Roof 4,760 5 $1000-$2500 Deductible 240 2 Fiber-Cement Siding No
2011 425,000 Shingles Roof 2,680 4 $5000 to $10,000 Deductible 340 4 Vinyl siding No
1986 180,000 Slate Shingles Roof 1,660 3 $1000-$2500 Deductible 150 5 Wood siding No