Cottage Grove Insurance Rates:

Cottage Grove, OR homeowners insurance is roughly $376 to $511, about $31-$42/month. Our in depth guide reveals consumers can save upto $177 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Horace Mann Educators Corporation
The company doesn't tell you that they will stop your coverage if something isn't fixed right away, if you have certain pets, and if you have a trampoline they will cancel it once they find out.

Cottage Grove, OR Homeowners Insurance By Home Value

Cottage Grove, OR Home Value Total Homes % of Total Average Cottage Grove, OR Homeowners Insurance
Less than $50,000 363 8.0% $48
$50,000 to $59,999 55 1.0% $106
$80,000 to $89,999 73 1.0% $177
$90,000 to $99,999 63 1.0% $194
$100,000 to $124,999 235 5.0% $225
$125,000 to $149,999 300 7.0% $283
$150,000 to $174,999 676 16.0% $336
$175,000 to $199,999 414 9.0% $389
$200,000 to $249,999 831 19.0% $469
$250,000 to $299,999 540 12.0% $575
$300,000 to $399,999 627 14.0% $730

Top Home Insurance Agents Near Cottage Grove, OR

Home Insurance Company Near Cottage Grove, OR Homeowners Insurance Agency Near Cottage Grove, OR Address
Farmers Aaron Burns 233 W 7th Ave Ste A, Eugene, OR, 97401
State Farm Corkey Gourley 1310 Market St, Springfield, OR, 97477-3334
Allstate Dennis J. Michalek 2295 Coburg Rd Ste 310, Eugene, OR, 97401
State Farm Rob Olive Jr 1744 W 18th Ave, Eugene, OR, 97402-3625
Liberty Mutual Independent Ward Insurance Agency Inc. 560 Country Club Pkwy, EUGENE, OR, 97401

Cost Of Homeowners Insurance By Street Near Cottage Grove, OR

Streets in Cottage Grove Area Homeowners Insurance Cost
Harris Dr, S 11th St, Snauer Ln, E Gibbs Ave, S 8th, N I St, N P St, N K St, St James Pl, Overholser Rd$438
Bryant Ave, S 14th St, Williams Creek Loop, Madison Ave, BLM Rd 20-2, Mosby Creek Rd, Cambria Pl, S U Ct, Balm Ln, Jackson Ave$440
Veatch Rd, Oak Rd, E Whiteaker Ave, Fairview Loop, O St, Herbron Grange Rd, BLM Rd 20-3-17, Jackson Rd, Joe Geer Rd, S 17th St$440
Lord Ave, Londonweyerhaeuser, Lajoie Rd, N J St, Lang Rd, Carmen Ln, S S St, Center St, Thornton Ln, E Chamberlain Ave$448
Latham Rd, Carver St, E Washington Ave, Nellie, N O St, N Gateway Blvd, Grover Ave, N Lane St, Wicks Rd, Rachel Rd$449

Cottage Grove, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cottage Grove$66 to $68
Westfir$64
Lane County$66
Pleasant Hill$69

Cottage Grove, 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
Westfir city, Oregon $54 $72 $108
Lane County, Oregon $56 $74 $111
Pleasant Hill CCD, Lane County, Oregon $58 $77 $115

Cottage Grove, 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
Cottage Grove, OR2.5%9.7%
Westfir3.28%10.4%
Lane County2.47%9.07%
Pleasant Hill2.29%10.71%

Cottage Grove Renters Insurance as a Percentage of Rent

Cottage Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 98 4.0% $339
$200 to $299 67 2.0% $789
$300 to $499 212 8.0% $1239
$500 to $749 634 26.0% $1914
$750 to $999 744 31.0% $2664
$1,000 to $1,499 496 20.0% $3789
$1,500 or more 133 5.0% $5439

Cottage Grove, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Cottage Grove Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,600$5,000
Net Savings to Cottage Grove Home Owner from High Deductible Plan $600

Cottage Grove, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cottage Grove, OR Home Replacement Value MORE than Home Value Cottage Grove, OR Home Replacement Value LESS than Home Value
Replacement Value $285,500 $185,500
Insurance Premium based on Replacement Value $725 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,500 Risk Exposure from Under Insuring Coverage is $53,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Cottage Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceAllstateFarmers Insurance
Monthly Premium 543526
Year Built 198519461971
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$150000-$175000
Deductible $500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 270,000 Wood Shake Roof 2,090 5 $500 Deductible 140 2 Wood siding No
1988 325,000 Wood Shake Roof 2,980 4 > $10,000 Deductible 420 8 Stone Siding yes
2011 375,000 Membrane Roof 3,270 4 $2500-$5000 Deductible 420 8 Brick siding No
2009 215,000 Metal Roof 1,840 5 $1000-$2500 Deductible 280 5 Stone Siding No
1946 360,000 Asphalt Shingles Roof 3,280 4 $500 Deductible 580 5 Stucco siding yes
1943 180,000 Wood Shake Roof 1,710 3 $500- $1000 Deductible 160 4 Fiber-Cement Siding yes
2002 255,000 Slate Shingles Roof 2,060 3 $5000 to $10,000 Deductible 340 10 Stucco siding No
1949 430,000 Tile Roof 3,270 4 $500- $1000 Deductible 530 5 Wood siding No
1945 230,000 Slate Shingles Roof 1,880 4 $500- $1000 Deductible 120 3 Vinyl siding yes
2002 220,000 Membrane Roof 1,780 4 > $10,000 Deductible 30 1 Wood siding yes
2007 350,000 Metal Roof 2,560 5 $500 Deductible 650 7 Stucco siding No
2010 375,000 Composition Roof 3,770 5 $500 Deductible 210 3 Stone Siding yes
1987 200,000 Slate Shingles Roof 1,980 3 $500 Deductible 460 10 Vinyl siding yes
1986 390,000 Metal Roof 3,110 4 $500- $1000 Deductible 640 7 Stucco siding No
1985 240,000 Membrane Roof 1,870 3 $1000-$2500 Deductible 320 5 Stucco siding No
1989 220,000 Shingles Roof 2,030 5 $500- $1000 Deductible 460 10 Brick siding yes
1947 250,000 Membrane Roof 2,020 5 > $10,000 Deductible 130 3 Fiber-Cement Siding yes
1981 210,000 Shingles Roof 1,810 3 $5000 to $10,000 Deductible 320 9 Stucco siding No
2008 225,000 Tile Roof 2,180 5 $1000-$2500 Deductible 200 5 Fiber-Cement Siding No
1948 210,000 Shingles Roof 1,540 3 > $10,000 Deductible 100 4 Brick siding No
2008 330,000 Asphalt Shingles Roof 3,390 4 $2500-$5000 Deductible 130 2 Vinyl siding yes
1944 215,000 Asphalt Shingles Roof 1,550 3 $500 Deductible 310 6 Stone Siding yes
2006 445,000 Metal Roof 4,480 5 $1000-$2500 Deductible 600 6 Vinyl siding yes
2009 195,000 Composition Roof 1,880 4 $500 Deductible 200 3 Fiber-Cement Siding yes
1943 335,000 Tile Roof 3,030 4 $5000 to $10,000 Deductible 480 9 Stone Siding No
2002 280,000 Tile Roof 2,260 5 > $10,000 Deductible 120 3 Vinyl siding yes
2008 450,000 Shingles Roof 3,670 5 $5000 to $10,000 Deductible 130 2 Stone Siding No
2009 225,000 Wood Shake Roof 2,040 5 $2500-$5000 Deductible 280 8 Stone Siding yes
2011 175,000 Slate Shingles Roof 1,750 4 $1000-$2500 Deductible 450 9 Wood siding yes
2003 265,000 Composition Roof 2,530 4 $500- $1000 Deductible 720 12 Fiber-Cement Siding No