Portland Insurance Rates:

Portland, OR homeowners insurance is nearly $389 to $526, about $32-$43/month. Our exhaustive research indicates shoppers can save upto $182 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate allows you the flexibility of self directing and agent assisted level of customer service. The rates are highly competitive and their app is easy to use and access.
I would recommend because they are very helpful when it comes down to making a claim and the deductible is one of the best ive found so far.
American Family Insurance
I would rate them a 3. They had told me that my insurance policy would go down with a "bundling" of my home insurance and vehicle insurance.
State Farm
Very nice and kind people. Always down to earth and very informative. Always willing to help and answer questions.
Farmer's Insurance
I would recommend Farmers for those on a budget. They are willing to give you a larger deductible than the better known insurance companies.
Amica Mutual Insurance
I have had very pleasant interactions with customer service when I have called them.
I like the ease of using their app. I haven't had an issue with them ever. I get a discount for bundling my insurances.
Mutual Of Enumclaw
My insurance company is a bit on the expensive side. however, my premiums are reasonable in comparison to other companies.
State Farm
The premium is too high, in my opinion, but that is because of so many claims in our state. Our deductible is fairly low so that it would not cause a problem for us if we needed to file a claim.
Liberty Mutual
My premiums have fluctuated a little bit up and down from the time that i've started them. Some times they raise other times they lower.
State Farm
I went with State Farm because they were more affordable versus competitors that I had looked into. For me price is an important factor in deciding who to use.
American Family Insurance
The deductible is about average. They all seem to be around 2400. Doesn't seem to be a competitive area for shopping around.
Liberty Mutual
I am very pleased with Liberty Mutuals home insurance offerings, they are very competitive with pricing and coverage is compatible if not better then others.
Having our house/auto/motorcycle as a bundle package was the best price and option for us. allstate really came through with the right pricing
I liked that my home insurance covered the clothing and electronics inside my car when i had a major car accident.
State Farm
I like the fact that they are very responsive whether I call with a claim, questions on billing or alterations of our policy. And it isn't just when I wanted to add umbrella insurance but had questions on the changes to the insurance policy or letters about changes in their corporate policy.
My premium seems to be competitive based on shopping I did at the time, although I haven't checked rates recently, so it may actually be too high.
State Farm
The company, in general, has many different ways to be efficient and convenient. The cost reduction is nice too.
Amica Mutual Insurance
I think that the premium charged by this company is very much reasonable as compared to other home insurance companies.
State Farm
I like that the company makes customers a priority. Customer needs are addressed immediately and taken care of promptly so that customers can get issues addressed quickly.
State Farm
I haven't needed much customer service at all - the only time I've spoken to an agent is five years ago when I bought the policy. So I wouldn't say the customer service is good but I wouldn't say it's bad either.
I am very satisfied with my insurance company. They have provided coverage at a fair price and took care of the only claim that I have had so far.
I dislike having to pay when I am not in accidents very often, but this is the nature of the beast with any insurance company, not really anything else to dislike.
It's a lot cheaper than our previous company with the exact same coverage and benefits. Having a local agent has been incredibly beneficial to us and makes us want to continue our relationship.
State Farm
They tend to send too much junk mail from our agents office, as well as offers from other Statefarm agents.
I recommend it to my friends and family also for their services however there are positive and negative things about the company
I looked around and nothing I found was a better price than what I have. My deductable is as low as any I found for the coverage I have.
Liberty Mutual
What I like the least is the customer service, lack more communication, the website has to be better to offer more help to customers, I consider that these things can be improved regardless of whether it is an economic company
there are no major reasons to dislike this company yet there are some more improvements can be made
Overall though service great and that what i like about them. they always answer questions and very professionally just always a long wait time.

Portland, OR Homeowners Insurance By Home Value

Portland, OR Home Value Total Homes % of Total Average Portland, OR Homeowners Insurance
Less than $50,000 3,923 3.0% $36
$100,000 to $124,999 2,544 2.0% $173
$125,000 to $149,999 3,693 3.0% $214
$150,000 to $174,999 7,303 7.0% $255
$175,000 to $199,999 8,332 8.0% $297
$200,000 to $249,999 23,706 23.0% $356
$250,000 to $299,999 20,234 20.0% $434
$300,000 to $399,999 28,679 28.0% $552

Top Home Insurance Agents Near Portland, OR

Home Insurance Company Near Portland, OR Homeowners Insurance Agency Near Portland, OR Address
NA Michael V Wells Insurance 7412 Sw Beaverton Hillsdale Hwy #112 , Portland, OR, 97225
Farmers Amanda Knight 219 Davidson Ave, Woodland, WA, 98674
Farmers Daniel Babjar 9945 SE Oak St, Portland, OR, 97216
Farmers Kim Hoang 17259 SW Baseline Rd, Beaverton, OR, 97006
Allstate Ted Sheldon Freeland 644 N State St, Lake Oswego, OR, 97034

Portland, OR Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Portland, OR

Streets in Portland Area Homeowners Insurance Cost
SE Drake St, SW Virginia Ln, SE Crosswhite Way, SE Oak St, SE Needham Ct, SE Kempton Ct, Shireva Ct, SE Bob Schumacher Rd, SE Trona Ln, SE Westfork St$447
SE 43rd Ct, SE Oxford Ln, SE 58th Ave, SE 157th Ave, SE Beatrice St, SE Waverly Dr, SE 42nd Ave, SE Scott St, Elk Rock Rd, SE Maple Hill Ln$447
SE 92nd Ct, SE Stanley Pl, SE McBrod Ave, SE 134th Ave, Knaus Rd, SW Iron Mountain Blvd, SW Rye Rd, SE Cook Ct, SE 53rd Pl, SE Donatello Loop$507
SE Andover Pl, SE Mason Hill Dr, SE Ochoco St, SE Gia Ct, SW C Ave, SW G Ave, Atwater Rd, SE Derek Ct, SE Exeter Dr, SE Stevens Way$478
SE 145th Ave, SE 162nd Ave, Boca Ratan Dr, SE Cambray Way, SE 34th Ave, SE 94th Pl, SE 81st Ave, SE 150th Ave, SE Willow St, SE 92nd Pl$479

Portland, OR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Portland$68 to $70
Portland East$67
Maywood Park$68
Portland West$72

Portland, 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
Portland East CCD, Multnomah County, Oregon $57 $75 $113
Maywood Park city, Oregon $57 $76 $114
Portland West CCD, Multnomah County, Oregon $60 $80 $120

Portland, 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
Portland, OR2.1%6.7%
Portland East2.23%7.12%
Maywood Park2.21%7.6%
Portland West1.7%4.96%

Portland Renters Insurance as a Percentage of Rent

Portland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,332 2.0% $328
$200 to $299 3,234 2.0% $778
$300 to $499 4,626 4.0% $1228
$500 to $749 24,416 21.0% $1903
$750 to $999 34,500 30.0% $2653
$1,000 to $1,499 28,422 25.0% $3778
$1,500 or more 13,901 12.0% $5428

Portland, OR Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97210 $574,000 $520
97201 $569,700 $520
97205 $498,300 $500
97212 $464,300 $500
97232 $447,100 $490
97221 $420,700 $500
97231 $419,600 $480
97229 $419,500 $490
97214 $390,200 $490
97215 $361,600 $470
97219 $357,700 $480
97202 $356,500 $470
97209 $352,900 $470
97204 $332,800 $470
97227 $330,900 $470
97213 $314,100 $470
97211 $312,200 $470
97217 $268,800 $460
97218 $258,800 $460
97206 $231,700 $450
97203 $228,400 $450
97216 $215,600 $450
97220 $215,100 $450
97236 $210,100 $450
97266 $197,500 $450
97233 $194,700 $450

Portland, OR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Portland Homeowner Insurance Premium Example $1,300$1,100
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,700$11,100
Net Savings to Portland Home Owner from High Deductible Plan $600

Portland, OR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Portland, OR Home Replacement Value MORE than Home Value Portland, OR Home Replacement Value LESS than Home Value
Replacement Value $152,500 $111,000
Insurance Premium based on Replacement Value $525 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,500 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $50/year

Example Portland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 504536
Year Built 198120141966
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$200000-$250000$300000-$350000
Deductible $1000-$2500 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1944 315,000 Metal Roof 2,390 4 $500- $1000 Deductible 130 2 Brick siding yes
2013 315,000 Slate Shingles Roof 1,770 3 $5000 to $10,000 Deductible 130 3 Stone Siding No
1986 410,000 Metal Roof 2,390 4 $1000-$2500 Deductible 890 12 Stone Siding yes
1984 155,000 Wood Shake Roof 920 2 $500 Deductible 560 10 Wood siding No
1974 565,000 Tile Roof 3,530 5 $1000-$2500 Deductible 830 10 Vinyl siding No
2014 265,000 Shingles Roof 2,140 3 $2500-$5000 Deductible 450 10 Wood siding No
2012 505,000 Tile Roof 2,860 4 $2500-$5000 Deductible 590 6 Brick siding No
2014 245,000 Wood Shake Roof 1,540 3 $5000 to $10,000 Deductible 330 7 Brick siding yes
1978 185,000 Tile Roof 1,490 3 $2500-$5000 Deductible 100 3 Brick siding No
1981 150,000 Wood Shake Roof 970 2 $2500-$5000 Deductible 120 4 Vinyl siding yes
1976 580,000 Wood Shake Roof 3,230 5 $2500-$5000 Deductible 660 8 Stone Siding yes
1988 345,000 Wood Shake Roof 1,970 4 $500- $1000 Deductible 830 12 Vinyl siding yes
1984 235,000 Membrane Roof 1,340 2 $500- $1000 Deductible 110 2 Stucco siding No
2014 335,000 Membrane Roof 1,880 3 $2500-$5000 Deductible 60 1 Vinyl siding No
1940 300,000 Tile Roof 2,050 3 > $10,000 Deductible 220 5 Wood siding yes
1947 305,000 Wood Shake Roof 2,250 3 $1000-$2500 Deductible 170 2 Wood siding yes
2013 200,000 Slate Shingles Roof 1,490 2 $5000 to $10,000 Deductible 220 8 Fiber-Cement Siding No
1982 320,000 Slate Shingles Roof 1,870 3 $1000-$2500 Deductible 260 4 Stone Siding No
1940 190,000 Metal Roof 1,310 3 $5000 to $10,000 Deductible 130 4 Stone Siding No
1943 285,000 Asphalt Shingles Roof 2,050 3 $5000 to $10,000 Deductible 610 12 Stone Siding No
1987 190,000 Asphalt Shingles Roof 1,560 2 $500 Deductible 480 10 Wood siding No
1985 360,000 Wood Shake Roof 2,030 3 $1000-$2500 Deductible 110 2 Stone Siding No
1977 330,000 Slate Shingles Roof 1,870 4 $1000-$2500 Deductible 730 10 Stucco siding No
1980 440,000 Composition Roof 3,650 5 $2500-$5000 Deductible 180 2 Stucco siding yes
2014 315,000 Wood Shake Roof 1,990 3 > $10,000 Deductible 30 1 Brick siding yes
1943 160,000 Wood Shake Roof 1,070 2 $2500-$5000 Deductible 380 12 Wood siding yes
1976 140,000 Slate Shingles Roof 1,100 2 $500- $1000 Deductible 110 5 Fiber-Cement Siding No
1988 330,000 Composition Roof 1,970 4 $5000 to $10,000 Deductible 670 12 Stone Siding yes
1961 140,000 Tile Roof 920 2 $500- $1000 Deductible 220 7 Stone Siding yes
2013 485,000 Wood Shake Roof 2,960 4 $5000 to $10,000 Deductible 360 5 Vinyl siding No
1933 140,000 Composition Roof 559 1 $500 Deductible 260 8 Stucco siding No

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