Oregon Homeowners Insurance Coverage

Whether your home is an updated ranch in the Willamette Valley or a three-bedroom near Bend, with a Farmers Flex^SM Personal Home policy you can choose quality coverage for your lifestyle today, with new ways to help you save.

What does homeowners insurance cover in Oregon?

Every policy is different, but home insurance policies in Oregon typically come with several standard coverages.

Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
Other structures (Coverage B). This coverage is intended to cover structures that aren’t connected to your home, like a fence or shed.
Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.
Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.
Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Typical home insurance policies in Oregon cover damage caused by:

Fire
Vandalism and theft
Lightning strikes
Wind
Hail
Explosions
Falling objects
The weight of snow or ice

Flooding, a common risk in parts of Oregon, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

How much does homeowners insurance generally cost in Oregon?

The average premium for home insurance coverage in Oregon is $735 per year¹, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s less than the national average of $1,272 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like your property’s value and the age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Farmers Flex Personal Home coverage in Oregon

Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:

Guaranteed Replacement Cost
Water Backup and Sump Overflow
Emergency Mortgage Assistance
Declining Deductibles^®
Claim Forgiveness

Learn more about Farmers Flex Personal Home policies

Oregon home insurance discounts

Farmers^® offers a variety of savings opportunities for eligible home insurance customers in Oregon, including:

Welcome Discount
Home Buyer Discount
Multi-Policy Discount
Loyalty Discount
Claim Free Discount
Wildfire Mitigation Discount (Farmers Flex Personal Home and Smart Plan Home products only)

See more information and additional discounts that may be available in Oregon.

Western Meadowlark

More coverage options in Oregon

Learn more about home insurance

Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

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A modern take on the granny flat, the ADU, or Accessory Dwelling Unit, is going viral. Building one can be arduous and expensive, but these homeowners say they’re glad they did it.

My Pizza-hungry Dog Started a Fire. Is There Coverage for This?

Don’t send him to the doghouse yet. The good news is that the damage could very well be covered under your homeowners policy. Fire is typically included in home insurance coverage.