To determine exact costs, home insurance companies look at different factors like your ZIP code and house size. These various factors help to figure out homeowners insurance rates and the total of these homeowners insurance premiums can often be different than your neighbor’s. Depending on your coverage options and policy details, you could pay more or less than Oregon’s average home insurance rates.
If you’re not sure how much coverage you need for your policy, a home inventory can help you decide. This document keeps track of your personal property and includes information that can help you if you’re filing a claim with your home insurance company. A home inventory typically includes:
- Photographs of each item
- Names of each object
- Model or serial numbers
- Receipts
- Original purchase price
If you know how much your property is worth, it can help you determine if your home insurance policy provides enough coverage.
Oregon Homeowners Insurance Discounts
If you bundle your Oregon homeowners insurance with a car insurance policy from The Hartford, you can save money. You can save up to 12% on auto insurance and up to 20% on homeowners insurance if you
combinar el seguro coverage.** Our customers save an average of $813 after bundling their home and auto coverage.**
Additional Oregon Homeowners Insurance Options
While the risk of natural disasters is lower in Oregon, it’s not impossible. Review your OR home insurance policy to understand if it will cover damages that result from natural disasters.
Wildfires are one natural disaster to be mindful of. In 2018, about 1,880 wildfires burned over 846,000 acres in the state.
2 Most standard homeowners insurance policies do help cover damages from wildfires, but you’ll want to check that your policy has enough coverage to fix or replace your damaged or destroyed items. We currently do not offer wildfire risk mitigation discounts. However, we encourage you to use the Oregon Division of Financial Regulation’s
wildfire preparedness tips to protect your home.
The following coverages are standard in your Oregon homeowners policy:
La cobertura de propiedad personal to help protect your belongings if they’re damaged or destroyed after a covered loss.** If you file a claim, your Oregon home policy can help fix or replace your damaged property.
La cobertura por responsabilidad civil to help protect you from claims alleging that you’re responsible for someone else’s injury or property damage. This coverage can help pay for damages you’re held liable for from a covered loss.
La cobertura de vivienda to help protect your home and the structures directly attached to it, including your roof, flooring, walls and staircases.
You also may need additional coverage options to help protect your home and personal property from other natural disasters. For example, damages resulting from floods or earthquakes aren’t covered in your Oregon home policy. However, you can add
seguro contra inundaciones and earthquake policies through private insurance companies, like us.
If you’re worried about having enough coverage, we offer several coverage options to ensure that you have the protection you need:
“New for Old” Protection‡‡ to replace your destroyed property with new ones of the same quality.
Identity Fraud Expense Coverage, which helps compensate you for out-of-pocket expenses up to certain limits if you’re a victim of fraud or identity theft. Refer to your policy for exact limits.
Reimbursement for Replacing Locks if you lose your keys or they’re stolen. This coverage pays up to $500 with a $100 deductible.
Equipment Breakdown Coverage to help cover mechanical or electrical breakdowns in your home for appliances and other items like your heating system. However, normal wear and tear is not included in this coverage. This benefit also provides coverage if you want to make “green” upgrades to certain appliances. It pays up to 125 percent of your cost to replace any covered equipment with similar items that are more energy efficient or environmentally friendly.
Disappearing Property Deductible‡‡ to reduce your deductible every year after you go three consecutive years without filing a claim.
Quotes for Homeowners Insurance in Oregon From The Hartford
When it comes to Oregon homeowners insurance, we make it easy to get the information you need. Oregon residents can
get a quote online or call
888-413-8970 to speak with one of our specialists.
Última actualización: 3 de abril de 2024
Oregon may have a low risk of natural disasters, but it’s still important to protect your house with seguro de viviendas in the “Beaver State.” It doesn’t matter where you live, whether it’s in Portland, Eugene, Salem, Hillsboro, Beaverton, Bend or anywhere in between. We know that Oregon residents face risks everyday like fires and burglary. If your house is damaged by a fire, Oregon home insurance can help repair it.**