Eugene Insurance Rates:

Eugene, OR homeowners insurance is nearly $382 to $517, about $31-$43/month. Our exhaustive guide shows customers can save upto $179 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
My only complaint with liberty mutual is the website, and not being able to change my policy easily online and get a quote for auto insurance bundled into my homeowner's insurance.
State Farm
State Farm is very easy to deal with. Their staff is very cordial and professional. Their tools make it easy to do whatever I need. They respond quickly to all of my concerns and only contact me when an important issue arises. They offer a very wide range of services and are competitively priced.
State Farm
State Farm's rates are competitive. Because I have my car insurance with them too, the bundle makes the price very good. I do not feel that I could get a better deal elsewhere for the same coverage and benefits as I have with state farm.
Allstate
The interactions I have had, have all been positive but I do not communicate with them on a regular basis and do not seek out communication at the same time, I communicate to them when I need to.
Allstate
I really don't have any negative things to say about nationwide. They have served my family for many years. Growing up, my parents used Nationwide so I have a long and loyal relationship with them.
Allstate
I like the company very much because I feel that I am getting everything worthwhile relative to what I'm paying for the home insurance. Though, I only have one other experience to compare it to. Regardless, I am still very satisfied.
Farmer's Insurance
There really is not much that I do not dislike, the only thing I wish they had was a local branch office near me so that I could walk in if I needed to
Geico
I have nothing to dislike yet. So far so good.
State Farm
My agent is local that is all there is to say. I've had no use for them otherwise.
Farmer's Insurance
Not sure how good they are with claims services. I am intending on looking into them further and I might be changing.
State Farm
The company is well known. They spend too much money on advertising, they are big in the Midwest. Their premiums are expensive and coverage is a little lacking.
National General
I like my agent and how easy it is to get my questions answered and I like the low rates and good coverage
Liberty Mutual
Up to this point I have no complaints about the coverage or their people. Pay my premium and leave me alone.
Mutual Of Enumclaw
My home insurance offers a bundle discount if i also insure my cars, boat or other vehicles. this makes things a bit more affordable.
Progressive
I have shopped around and this was the best offer for my house.

Eugene, OR Homeowners Insurance By Home Value

Eugene, OR Home Value Total Homes % of Total Average Eugene, OR Homeowners Insurance
Less than $50,000 1,766 6.0% $44
$100,000 to $124,999 1,137 4.0% $197
$125,000 to $149,999 1,162 4.0% $251
$150,000 to $174,999 2,565 9.0% $296
$175,000 to $199,999 3,034 10.0% $341
$200,000 to $249,999 6,618 23.0% $413
$250,000 to $299,999 5,099 18.0% $502
$300,000 to $399,999 5,642 20.0% $642

Top Home Insurance Agents Near Eugene, OR

Home Insurance Company Near Eugene, OR Homeowners Insurance Agency Near Eugene, OR Address
NA Central Williamette Financial Services 645 Waverly Dr. Se, Albany, OR, 97322
Farmers Delaney De La Barra 1400 Executive Pkwy Ste 250, Eugene, OR, 97401
Allstate Dennis J. Michalek 2295 Coburg Rd Ste 310, Eugene, OR, 97401
State Farm Ken Evenhus 390 S Main Street, Lebanon, OR, 97355-3307
State Farm Kirk Martin 115 W 6th Ave, Eugene, OR, 97401-2606

Cost Of Homeowners Insurance By Street Near Eugene, OR

Streets in Eugene Area Homeowners Insurance Cost
Orchard Aly, Braewood Ln, Mint Ave, Potter Aly, Winery Ln, Pruett Rd, Butte Ln, Pacific Hwy W, Pattison St, Paradise Ct$433
Larson Rd, Linwood St, Echo Hollow Rd, Dalton Dr, Prall Ln, E 40th Ave, Hillview 1, Piper Ln, Golden Gardens St, Chase St$449
Millrace Dr, Merlin Way, Lewis Ave, Hunsaker Ln, Exeter Ave, Meadow Butte Loop, E 39th Pl, Archie St, Cloverdale Rd, Summit Ave$432
Escalante St, Broadview St, Crescent Ave, Dewey St, Covey, Lariat Mesa, Peregrine St, Commercial St, Sierra St, Barger Dr$435
E 31st Ave, Throne Dr, E 35th Ave, N Garden Way, Spyglass Ct, Dulles Ave, Moon Mountain Dr, Brockton Pl, Glenwood Blvd, E 23rd Aly$452
Ridgetop Rd, N Shasta Loop, Princeton Dr, Hyacinth St, McKinley St, Strome Ct, Hathaway Ave, Odell Lake Dr, Skylark Ln, Onyx Pl$456
Ricketts Rd, E 50th Ave, Hughes St, Altura St, Woodsia Ln, Avalon St, Ravenwood Dr, Dayna Ln, Panorama Dr, Lamplite Ln$438
Schnorenberg Ln, Woodson St, Clairmont Dr, Cedar Ct, W 34th Pl, Josh St, Hollyview Ave, Newcastle St, Rocky Ln, S Garden Way$453
Flagstaff St, Myoak Dr, W Park St, N 8th St, Jackies Ln, Grand St, Villard Aly, Kevington Ave, Coach Way, Duke Ct$447
Cheryl St, Madera St, Kingfisher Way, Watson Dr, N Seneca Rd, Donald Aly, Maxwell Rd, Unthank St, Johnson Ln, Allane Ln$431

Eugene, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Eugene$67 to $69
Eugene-Springfield$66
Springfield$65
Coburg$67

Eugene, 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
Eugene-Springfield CCD, Lane County, Oregon $67 $89 $134
Springfield city, Oregon $65 $87 $131
Coburg CCD, Lane County, Oregon $68 $90 $135

Eugene, 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
Eugene, OR2.3%7.4%
Eugene-Springfield2.43%8.45%
Springfield2.66%9.64%
Coburg2.55%9.42%

Eugene Renters Insurance as a Percentage of Rent

Eugene Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 468 1.0% $334
$200 to $299 765 2.0% $784
$300 to $499 2,664 8.0% $1234
$500 to $749 9,154 28.0% $1909
$750 to $999 9,054 28.0% $2659
$1,000 to $1,499 7,590 23.0% $3784
$1,500 or more 2,609 8.0% $5434

Eugene, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Eugene Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,200$7,600
Net Savings to Eugene Home Owner from High Deductible Plan $600

Eugene, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Eugene, OR Home Replacement Value MORE than Home Value Eugene, OR Home Replacement Value LESS than Home Value
Replacement Value $303,500 $224,500
Insurance Premium based on Replacement Value $950 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,500 Risk Exposure from Under Insuring Coverage is $48,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Eugene Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyTravelersGEICO Insurance
Monthly Premium 594738
Year Built 198020141962
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $300000-$350000$150000-$175000$300000-$350000
Deductible $500- $1000 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 385,000 Asphalt Shingles Roof 3,390 4 $2500-$5000 Deductible 560 10 Fiber-Cement Siding yes
1967 300,000 Wood Shake Roof 2,490 4 $1000-$2500 Deductible 620 7 Brick siding No
2010 530,000 Wood Shake Roof 4,800 5 $5000 to $10,000 Deductible 580 8 Brick siding No
1985 365,000 Shingles Roof 2,340 4 $500 Deductible 750 9 Stone Siding No
1964 375,000 Metal Roof 2,810 5 $2500-$5000 Deductible 360 6 Wood siding No
2002 455,000 Shingles Roof 3,310 4 $500- $1000 Deductible 520 4 Stone Siding yes
2008 260,000 Tile Roof 1,730 2 $5000 to $10,000 Deductible 350 9 Stucco siding yes
1982 250,000 Asphalt Shingles Roof 1,620 3 > $10,000 Deductible 250 8 Stucco siding yes
1984 260,000 Asphalt Shingles Roof 1,750 4 > $10,000 Deductible 320 9 Wood siding yes
1978 160,000 Shingles Roof 1,070 2 $2500-$5000 Deductible 130 4 Brick siding No
2004 170,000 Composition Roof 1,420 3 $5000 to $10,000 Deductible 170 9 Wood siding yes
2011 290,000 Wood Shake Roof 2,390 3 $500 Deductible 80 1 Brick siding yes
2010 190,000 Wood Shake Roof 1,760 2 $500- $1000 Deductible 120 3 Stucco siding yes
2012 155,000 Membrane Roof 1,180 2 $1000-$2500 Deductible 340 9 Stucco siding yes
2008 195,000 Shingles Roof 1,440 2 $500 Deductible 500 9 Stucco siding No
2006 440,000 Membrane Roof 3,340 4 $1000-$2500 Deductible 1040 8 Fiber-Cement Siding yes
1984 210,000 Membrane Roof 1,340 2 > $10,000 Deductible 150 5 Fiber-Cement Siding No
2004 255,000 Asphalt Shingles Roof 1,990 3 > $10,000 Deductible 80 3 Stucco siding No
1973 330,000 Composition Roof 2,450 4 $1000-$2500 Deductible 290 5 Stone Siding No
1966 260,000 Shingles Roof 1,690 3 > $10,000 Deductible 310 10 Vinyl siding yes
1986 500,000 Slate Shingles Roof 4,110 5 $5000 to $10,000 Deductible 300 4 Brick siding No
1990 175,000 Composition Roof 1,250 2 $1000-$2500 Deductible 940 12 Brick siding yes