Bend Insurance Rates:

Bend, OR homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend State Farm insurance to anyone wanting more for their money. They are a good reputable company and offer a superior product. I rate them a 5.
State Farm
The only contact I have had with my insurance customer service is when I needed to pay the bill over the phone. The phone menu was simple and the agent was quick and professional.
Liberty Mutual
I think I would recommend the company because they are helpful in having a good deductible and helping me when I need help. They are available to answer my questions as well.
premium and deductible of my policy compared no risk in this insurance company
The premium of my policy is a little lower than other companies. I wanted a lower premium and was okay with paying a slightly higher deductible for that. It is not often that I need to use my home insurance.
State Farm
I feel they have great deals and prices on policies. Especially compared to other insurances. Rating 5.
Farmer's Insurance
It's OK but could be a little bit more personal. We never spoke to the agent face to face, most interactions are via email and by leaving phone messages. For some crazy reason the company prefers being paid by credit card.
Farmer's Insurance
My agent, Peter, is outstanding. He is a real person who genuinely cares about our neighborhood and city and shows it. I look forward to interacting with him.
To be completely honest, I don't think I've compared recently enough to give a valid explanation as to how I differentiated Allstate from other insurance companies.
The premiums and deductibles are quite reasonable and again you can tailor them to your specific needs. You don't have to pay for coverage you are not likely to use. They are fair and able to work with you as an individual.
My deductible is much less with Allstate than with my previous insurance carrier. Which is really a comfort to know if I ever need it.
there are little to no policy differences Allstate and the other companies that I am aware of most companies compete on a Level Playing Field and claim to cover the same things.
i would recommend geico to friends family and coworkers due to the simple fact that they are easy to work with and very thorough and simple when it comes to choosing a plan that works for you.
State Farm
I have been with state farm for several years and when i had my accident a few months ago the adjuster came out my home an estimate of the damages a few days later, they mailed out the check.
Nationwide is always a company that is on your side. they are great with their customers and always put them first.
Farmer's Insurance
Farmers is a very helpful company and has a good online presence that helps us organize our policy to what we need.
State Farm
I like them because they are a competitive company and are easy to use. They have good pricing and options.
Farmer's Insurance
The company is a relatively small company so the website is lacking. Very little information to be found on the website.
Farmer's Insurance
I like how simple it is to use and I like that they are very helpful even in the app.
Our premium has doubled in the last 15 years with no claims filed. I would like to compare prices but have been reluctant because our insurance is bundled and the task seems daunting
I would definitely recommend it based on the premium, coverage and customer service. They do a great job as far as I am concerned.
I would highly recommend this company. They handled a terrible situation for me quickly and with empathy and i a timely fashion which made a terrible situation.
I'm satisfied with the details of the policy for which we signed up... we specified the value of most important items and left out some pieces that weren't necessary.

Bend, OR Homeowners Insurance By Home Value

Bend, OR Home Value Total Homes % of Total Average Bend, OR 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

Top Home Insurance Agents Near Bend, OR

Home Insurance Company Near Bend, OR Homeowners Insurance Agency Near Bend, OR Address
Allstate Central Oregon Ins 72 SW 4Th St, Madras, OR, 97741
State Farm Fred Hornback 1180 SE Division St Ste 2, Bend, OR, 97702-1250
State Farm Greg Elder 2115 NE Highway 20 Ste 106, Bend, OR, 97701-7044
State Farm Joe Lochner 123 SW 5th St, Redmond, OR, 97756-1863
Allstate Tornay Insurance Agency Inc. 560 NE Greenwood Ave Ste A, Bend, OR, 97701

Bend, OR Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Bend, OR

Streets in Bend Area Homeowners Insurance Cost
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

Bend, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bend$68 to $70
Deschutes River Woods$66

Bend, 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
Pronghorn CDP, Oregon $73 $97 $146
Tetherow CDP, Oregon $62 $82 $123
Deschutes River Woods CDP, Oregon $56 $74 $111

Bend, 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
Bend, OR2.2%7.7%
Deschutes River Woods2.51%8.28%
Deschutes County2.29%8.05%

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

Bend, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Bend Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,200$5,600
Net Savings to Bend Home Owner from High Deductible Plan $600

Bend, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bend, OR Home Replacement Value MORE than Home Value Bend, OR Home Replacement Value LESS than Home Value
Replacement Value $313,000 $204,000
Insurance Premium based on Replacement Value $850 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $75,500 Risk Exposure from Under Insuring Coverage is $33,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $200/year

Example Bend Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyAmerican Family Insurance
Monthly Premium 3231121
Year Built 200420131983
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$700000-$800000
Deductible $2500-$5000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 525,000 Slate Shingles Roof 3,880 5 $5000 to $10,000 Deductible 590 9 Fiber-Cement Siding No
2010 505,000 Composition Roof 3,250 4 > $10,000 Deductible 460 7 Wood siding No
1997 285,000 Tile Roof 1,710 4 $500- $1000 Deductible 210 3 Stucco siding No
1990 470,000 Membrane Roof 3,370 4 $5000 to $10,000 Deductible 770 10 Fiber-Cement Siding yes
1996 380,000 Asphalt Shingles Roof 3,040 4 $1000-$2500 Deductible 1050 9 Brick siding No
1993 325,000 Membrane Roof 1,930 3 > $10,000 Deductible 130 3 Brick siding No
2014 310,000 Asphalt Shingles Roof 1,990 4 $5000 to $10,000 Deductible 420 12 Vinyl siding No
2010 560,000 Shingles Roof 3,330 5 $5000 to $10,000 Deductible 580 6 Vinyl siding No
1989 355,000 Composition Roof 2,790 4 $500- $1000 Deductible 440 7 Stone Siding yes
1992 170,000 Slate Shingles Roof 1,250 3 $500 Deductible 400 10 Wood siding yes
2001 215,000 Metal Roof 1,500 3 $5000 to $10,000 Deductible 40 1 Vinyl siding No
2004 220,000 Membrane Roof 1,550 3 > $10,000 Deductible 30 1 Stucco siding No
2008 255,000 Asphalt Shingles Roof 1,830 5 > $10,000 Deductible 460 9 Fiber-Cement Siding No
2007 495,000 Shingles Roof 3,340 5 $5000 to $10,000 Deductible 460 8 Brick siding No
2011 310,000 Metal Roof 1,750 3 > $10,000 Deductible 120 3 Stone Siding No
1990 335,000 Slate Shingles Roof 2,060 3 $5000 to $10,000 Deductible 720 12 Fiber-Cement Siding yes
2004 670,000 Shingles Roof 4,280 5 > $10,000 Deductible 140 2 Fiber-Cement Siding yes
2011 405,000 Tile Roof 2,940 5 $500 Deductible 520 5 Stone Siding No
1980 540,000 Metal Roof 3,150 4 $500- $1000 Deductible 80 1 Fiber-Cement Siding No
1993 465,000 Asphalt Shingles Roof 2,580 4 $5000 to $10,000 Deductible 470 6 Stucco siding yes
2011 395,000 Composition Roof 2,680 5 > $10,000 Deductible 410 7 Stone Siding yes
2013 425,000 Tile Roof 2,940 5 $5000 to $10,000 Deductible 530 7 Stucco siding yes
1987 300,000 Composition Roof 1,650 3 $500- $1000 Deductible 510 9 Stucco siding No
1993 370,000 Asphalt Shingles Roof 2,850 4 $5000 to $10,000 Deductible 220 5 Vinyl siding yes
2010 260,000 Shingles Roof 1,990 4 $2500-$5000 Deductible 560 9 Vinyl siding yes
1989 325,000 Shingles Roof 2,090 3 $2500-$5000 Deductible 200 3 Brick siding No
1993 480,000 Membrane Roof 3,050 5 > $10,000 Deductible 150 2 Vinyl siding yes
1992 220,000 Slate Shingles Roof 1,560 5 > $10,000 Deductible 30 1 Vinyl siding No
2013 310,000 Metal Roof 2,040 3 $500 Deductible 550 9 Vinyl siding yes
1988 690,000 Metal Roof 4,970 5 $500- $1000 Deductible 1180 6 Vinyl siding No
2003 430,000 Slate Shingles Roof 3,330 5 $5000 to $10,000 Deductible 690 8 Stone Siding yes
2000 190,000 Tile Roof 1,480 3 $1000-$2500 Deductible 360 10 Stucco siding yes
2004 300,000 Asphalt Shingles Roof 2,370 3 > $10,000 Deductible 130 3 Stucco siding No
1993 295,000 Shingles Roof 2,056 3 $500 Deductible 970 10 Stucco siding No

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