Oregon homeowners insurance

From Tillamook to Malheur, Progressive offers Oregon residents peace of mind with customized, affordable homeowners insurance. Whether you're already an Oregon homeowner or looking to buy, learn more about coverages, rates, and discounts in the Beaver State.

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How you're covered

Oregon doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Common claims in Oregon

Severe weather isn't usually a problem given Oregon's mild climate, but Oregon can experience some pretty unique natural disasters, including volcanic eruptions, earthquakes, landslides, and wildfires.

Because Oregon’s landscape includes dense forests, home insurers may assess wildfire risk as part of the policy purchasing process. While wildfire risk may be just one of the many factors used in determining your homeowners insurance rate, it could also affect availability of coverage and your ability to qualify for specialized policy discounts. While we encourage you to take steps to reduce your property’s wildfire risk, only some of the carriers in Progressive’s network of home insurers offer premium adjustments specifically for wildfire risk mitigation actions.

A standard homeowners policy may provide coverage for fires and limited coverage for volcanic eruptions. Other major perils like flooding, earthquakes, and landslides typically aren't covered by your home insurance.

Homeowners in Oregon may be able to purchase a separate flood insurance policy and should contact their insurance agent. For more information about earthquake insurance in Oregon, check out the Department of Financial Regulation.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm system
  • Multi-policy
  • Quote in advance
  • New purchase

See more about the home insurance discounts we offer.

Pro tip:

Customers who need more than $500,000 in personal liability coverage (the maximum on a typical homeowners insurance policy) should consider an umbrella policy from Progressive, which may provide up to an additional $5 million in liability protection.

How much is homeowners insurance in Oregon?

Your cost for Oregon homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Fast facts about homes in Oregon

  1. The oldest home in Oregon may be Paisley Caves, which show signs of human habitation as far back as 14,000 years ago.

  2. Oregon had a homeownership rate of 64.9% in 2022, which is in line with the national average.

  3. Portland, Oregon ranked 22nd on Business Insider's list of the best places to live in America in 2022.

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