Oregon homeowners insurance

How you're covered

A typical policy in Oregon may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) 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."
• Loss of use coverage (Coverage D) may help 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.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

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.

Additional coverages to consider for Oregon

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate standalone policy for specific perils and hazards not typically covered on a standard homeowners policy. If available, you may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Oregon?

Progressive homeowners policies in Oregon had an average monthly price of $94.80 or $1,137.65 for an annual policy in 2024.^* Remember that your cost for homeowners insurance in Oregon varies based on many factors, including your location, type of home, and claims history.

Helping you save on homeowners insurance in Oregon

There are lots of Progressive discounts on homeowners insurance available, including discounts for quoting in advance and installing a home security system. Get a homeowners insurance quote for Oregon to see how you can save with these discounts.

Is homeowners insurance required by law in Oregon?

Homeowners insurance is not required in the state of Oregon, but if you're financing your home through a mortgage lender, they'll probably require it as part of your loan terms. Note that even if your home is paid off, you'll still want to consider homeowners insurance because your home is likely your most valuable asset and should be protected.

Get an insurance quote for your home in Oregon