Central Point Insurance Rates:

Central Point, OR homeowners insurance is about $376 to $512, about $31-$42/month. Our thorough analysis indicates shoppers can save upto $177 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
It is an alright home insurance company. I like that they provide coverage for some damages. For example, the wall had a crack in it and they paid for the repairs.

Central Point, OR Homeowners Insurance By Home Value

Central Point, OR Home Value Total Homes % of Total Average Central Point, OR Homeowners Insurance
Less than $50,000 169 4.0% $48
$100,000 to $124,999 211 5.0% $226
$125,000 to $149,999 376 10.0% $279
$150,000 to $174,999 516 13.0% $333
$175,000 to $199,999 347 9.0% $386
$200,000 to $249,999 928 25.0% $461
$250,000 to $299,999 510 13.0% $568
$300,000 to $399,999 610 16.0% $719

Top Home Insurance Agents Near Central Point, OR

Home Insurance Company Near Central Point, OR Homeowners Insurance Agency Near Central Point, OR Address
Allstate All Insured Llc 3001 Biddle Rd, Medford, OR, 97504
State Farm Debi Ashley 1622 Williams Hwy, Grants Pass, OR, 97527-5660
Travelers Focus1 Ins Group Inc 3110 STATE ST, MEDFORD, OR, 97504
Farmers Harry Gerhard 650 E Pine St Ste 102a, Central Point, OR, 97502
Farmers Matthew Shilts 1301 Poplar Dr Ste 200, Medford, OR, 97504

Cost Of Homeowners Insurance By Street Near Central Point, OR

Streets in Central Point Area Homeowners Insurance Cost
Cherry St, Compton Way, Green Acres Dr, Justin Ct, Tiffany Ct, Peninger Rd, Heather Ln, Countryside Dr, Silver Fox Dr, Palo Verde Way$453
Woodlark Dr, Iris Ln, Orchardview Cir, John Wayne Dr, S 4th St, Hampton Dr, Richey Rd, Travertine Cir, Timothy St, Madison Ct$452
S 7th St, Columbine Way, Lars Way, Tyler Ave, Parkwood Village Ln, Rachel Dr, Juanita Way, Devonshire Pl, Prairie Rd, Oxford Park Dr$437
Farnsworth Dr, Taylor Rd, Cupp Dr, S 9th St, Brian Way, Glenn Way, Crowne Ave, Paisley Ct, Hawk Dr, Tennessee Ln$450
Crater Ln, Silverwood Ct, Briarwood Dr, Mountain Ave, Beebe Rd, del Mar Dr, Shadow Wood Ct, Grand Ave, Pittview Ct, Raymond Way$439

Central Point, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Central Point$66 to $68
Medford$66
Jacksonville$69
White City$64

Central Point, 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
Medford CCD, Jackson County, Oregon $56 $74 $111
Jacksonville city, Oregon $58 $77 $116
White City CDP, Oregon $53 $71 $106

Central Point, 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
Central Point, OR2.2%8.1%
Medford2.42%8.03%
Jacksonville2.07%7.3%
White City2.83%7.28%

Central Point Renters Insurance as a Percentage of Rent

Central Point Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 46 1.0% $788
$300 to $499 91 3.0% $1238
$500 to $749 497 20.0% $1913
$750 to $999 745 30.0% $2663
$1,000 to $1,499 984 40.0% $3788
$1,500 or more 71 2.0% $5438

Central Point, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Central Point Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Central Point Home Owner from High Deductible Plan $600

Central Point, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Central Point, OR Home Replacement Value MORE than Home Value Central Point, OR Home Replacement Value LESS than Home Value
Replacement Value $258,500 $174,000
Insurance Premium based on Replacement Value $700 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,000 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Central Point Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersChubb Group of Insurance
Monthly Premium 383676
Year Built 200420131982
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$350000-$400000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 635,000 Shingles Roof 4,700 5 $500- $1000 Deductible 830 6 Stone Siding yes
2011 215,000 Shingles Roof 1,500 3 $5000 to $10,000 Deductible 320 9 Stone Siding No
1983 380,000 Wood Shake Roof 2,680 5 $2500-$5000 Deductible 840 10 Fiber-Cement Siding No
2012 320,000 Slate Shingles Roof 3,190 4 > $10,000 Deductible 70 2 Stucco siding yes
2014 290,000 Tile Roof 3,070 4 $2500-$5000 Deductible 350 8 Stone Siding yes
2010 270,000 Wood Shake Roof 2,580 4 $5000 to $10,000 Deductible 170 5 Vinyl siding No
1981 550,000 Wood Shake Roof 4,090 5 > $10,000 Deductible 160 2 Wood siding yes
2013 220,000 Slate Shingles Roof 2,020 3 $2500-$5000 Deductible 340 10 Wood siding No
1982 230,000 Composition Roof 2,000 4 $500- $1000 Deductible 260 6 Fiber-Cement Siding No
2007 245,000 Composition Roof 2,550 4 $500- $1000 Deductible 590 10 Fiber-Cement Siding yes
2002 500,000 Composition Roof 4,060 5 $5000 to $10,000 Deductible 1120 12 Stucco siding yes
1988 180,000 Metal Roof 1,780 3 $500- $1000 Deductible 370 10 Stone Siding No
2011 160,000 Wood Shake Roof 1,400 3 $2500-$5000 Deductible 220 8 Fiber-Cement Siding yes
2003 180,000 Slate Shingles Roof 1,550 5 $500 Deductible 280 6 Stone Siding yes
2001 515,000 Shingles Roof 4,710 5 $500- $1000 Deductible 860 8 Vinyl siding No
2010 285,000 Tile Roof 2,210 4 $1000-$2500 Deductible 310 5 Vinyl siding No
2000 610,000 Composition Roof 4,640 5 $5000 to $10,000 Deductible 880 7 Brick siding yes
1981 260,000 Shingles Roof 2,030 4 $5000 to $10,000 Deductible 480 12 Stone Siding yes
1986 440,000 Composition Roof 3,140 5 $500 Deductible 970 9 Stone Siding yes
2010 365,000 Membrane Roof 2,980 5 $1000-$2500 Deductible 220 4 Stucco siding No
1989 365,000 Slate Shingles Roof 3,040 4 $500- $1000 Deductible 570 7 Vinyl siding yes
1987 350,000 Wood Shake Roof 2,660 5 $500- $1000 Deductible 360 5 Wood siding No
2009 365,000 Slate Shingles Roof 2,680 4 $5000 to $10,000 Deductible 50 1 Stucco siding yes
2010 210,000 Metal Roof 1,620 4 $5000 to $10,000 Deductible 220 7 Fiber-Cement Siding No
2007 300,000 Metal Roof 2,470 4 $1000-$2500 Deductible 190 3 Wood siding No
2001 210,000 Composition Roof 2,160 4 $2500-$5000 Deductible 60 2 Vinyl siding yes
2004 250,000 Metal Roof 2,550 4 $5000 to $10,000 Deductible 40 1 Stucco siding No
1986 405,000 Asphalt Shingles Roof 3,050 4 $500- $1000 Deductible 430 5 Brick siding yes
2007 580,000 Wood Shake Roof 4,830 5 $2500-$5000 Deductible 750 9 Stucco siding yes
1987 180,000 Shingles Roof 1,860 5 $500 Deductible 390 7 Brick siding yes