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 the Oregon landscape includes many large bodies of water, dense forests prone to wildfires, and even volcanic eruptions. Its position on the Pacific coast also leaves Oregon vulnerable to earthquakes and landslides.

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.

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 has a homeownership rate of 65.2%, which is in line with the national average.

  3. Portland, Oregon ranked eighth on Business Insider's list of the best places to live in America in 2020.

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