OREGON HOMEOWNERS INSURANCE COVERAGE

You might not live exactly like your parents. Why should you insure your home in the exact same manner? Whether your home is an updated ranch in the Willamette Valley or a cabin near Bend, with a
Farmers FlexSM Personal Home policy, you can choose quality coverage for your lifestyle today, with new ways to help you save.

Get a quote

Home insurance coverage options in Oregon

A standard homeowners insurance policy typically includes three major types of coverage: dwelling coverage, which helps pay to repair or rebuild your home if it’s damaged or destroyed by a covered, sudden, accidental event; personal property coverage, which helps pay to repair or replace your belongings; and liability coverage, which helps in case you’re financially responsible for injury to others or damage to their property for incidents covered by the policy.

The new Farmers FlexSM Personal Home policy in Oregon gives you three highly customizable packages as a starting point:

  • Standard - Basic coverage for an affordable price
  • Enhanced - Provides higher coverage limits and additional available features
  • Premier - Coverage with higher coverage limits and the broadest choice of available features

Read more about other types of Home insurance coverage

Optional coverages

Within each Farmers Flex customizable package, you have the flexibility to adjust coverage types, select coverage options and choose policy limits.

Guaranteed Replacement Cost
Don’t worry about escalating construction costs — for covered losses, with Guaranteed Replacement Cost, we’ll guarantee coverage for the full cost to rebuild your home, even if it exceeds your policy limits.

FORTIFIED RoofTM Upgrade
This coverage pays to rebuild your damaged roof to enhanced standards to help resist severe storms.

Water Backup and Sump Overflow
This coverage can help pay to fix water damage caused by water backing up through drains and sumps.

Cyber and Identity Shield
Coverage for many forms of identity theft and cyberattacks, and monitoring services to help you prevent them from happening.

Emergency Mortgage Assistance
This option can provide three months of mortgage payments, up to $10,000, while your home is uninhabitable when you rebuild after a covered loss.

Home Businesses
If your house is more than just your home, get coverage for your home business, too.

Home Sharing
Coverage for renting part or all of your home through a home-sharing business.

Flex Features

When you purchase a policy with Farmers, you’re not just getting insurance backed by almost a century of experience. You can also get other benefits and savings, such as:

  • Declining Deductible
    Earn $50 toward your applicable deductible each year your home policy remains in force.

  • Multi-Policy Discount
    Save by purchasing Home, Auto and select other policies with Farmers.

  • Claim Forgiveness
    When you’ve been claim-free with Farmers for five years, we won’t increase your premium for a single claim.

Oregon home insurance discounts

Farmers Flex Personal Home also offers a variety of savings opportunities for eligible home insurance customers in Oregon. For example:

Welcome Discount

Home Buyer Discount

Multi-Policy Discount

Theft Protection Discount

Loyalty Discount

Claim Free Discount

Fire Protection Discount

Water Protection Discount

Welcome Discount

Home Buyer Discount

Multi-Policy Discount

Theft Protection Discount

Loyalty Discount

Claim Free Discount

Fire Protection Discount

Water Protection Discount

You might qualify for additional discounts on your home insurance. Ask your Farmers agent about discounts available in Oregon.

This information provides only a general description of coverages and potential discounts. Not all products, coverages and discounts are available in every state, and they can vary by state. Eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions and conditions in the policy, including applicable endorsements. Contact Farmers for details and additional information.

Does homeowners insurance cover wildfires in Oregon?

Homeowners insurance typically provides coverage for damage from wildfires, according to the Insurance Information Institute. But that can vary by insurer. The Farmers FlexSM Personal Home policy provides coverage for damage caused by fire for covered losses to your property. It also offers limited coverage if your home does not suffer burn damage but requires cleaning to remove wildfire soot, smoke, or smell.

Note, however, that two other natural disasters faced by Oregon homeowners, floods and earthquakes,  are generally not covered by standard home insurance policies. Separate flood and earthquake policies are available.

You can make sure you understand your coverage by checking your policy and talking to your agent. 


View more coverage options in Oregon

Auto insurance

Find minimum state requirements for auto insurance in Oregon, available discounts and more.

View car insurance details and discounts for Oregon


Learn From Experience

Read more about homeownership and home insurance, with these real-life stories and tips from our pros.

A Home Addition Can Mean Extra Income, More Room for Family — Or Even a Dream Home

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.

Why Did My Homeowners Insurance Go Up?

You live in the same house, on the same block, in the same town as last year. So why would your home insurance premium go up?