Best Homeowners Insurance Companies in Oregon (2026)
USAA and Chubb are two of the top home insurers in Oregon.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Data reviewed byChase Gardner
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Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Table of contents
The average cost of homeowners insurance in Oregon is $114 per month for a policy with $300,000 in dwelling coverage, Insurify data shows. Oregon homeowners pay less for home insurance than the U.S. national average of $212 per month for the same coverage.
A homeowners policy in Oregon can protect your property and personal belongings from risks like heavy snowfall, wildfires, and windstorms. But if you want coverage for flooding, earthquakes, or landslides, you’ll likely need to add a supplemental policy.[1]
Here’s what you need to know about home insurance in Oregon, including how to compare quotes and find the best coverage.
Quick Facts
USAA, Amica, and Chubb are some of the best home insurers in Oregon.
Travelers has the cheapest home insurance in Oregon, with an average monthly premium of $88 for a $300,000 dwelling coverage policy.
If your Oregon home is at risk of flooding, you can buy a policy from the National Flood Insurance Program (NFIP) or a private insurance company.
Best home insurance companies in Oregon
Many quality home insurance companies cover homeowners in Oregon, but the best insurer will depend on your specific situation, coverage needs, and preferences. Based on Insurify’s analysis, we’ve identified some of the top home insurance companies in the Beaver State.
USAA: Best for homeowners in the military
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $99/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $136/mo |
Active and veteran military members and their families in Oregon can get excellent home insurance coverage through USAA. All USAA home insurance policies include coverage for military uniforms and military equipment, as well as replacement cost coverage for personal belongings.
The company consistently receives top ratings for overall customer satisfaction, claims satisfaction, and financial strength. USAA also offers more competitive rates than many other Oregon home insurance companies.
Pros
High J.D. Power claims and customer satisfaction ratings
Home insurance policies provide military-specific coverages
Rates are often lower compared to other Oregon home insurers
Cons
Must be eligible for USAA membership to get a policy
Doesn’t offer many home insurance discounts
No 24/7 customer support
Amica: Best for customer satisfaction
AmicaCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $119/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $176/mo |
Amica is the top-rated home insurance company for overall customer satisfaction in the J.D. Power 2025 U.S. Home Insurance Study.[2] Amica earned a score of 705 out of 1,000, which is much higher than the study average of 642. Amica also ranked above-average for overall claims satisfaction in the J.D. Power 2025 U.S. Property Claims Satisfaction Study.[3]
Unlike most other insurers, Amica offers three tiers of coverage that can provide tailored protection for your specific needs, like tree debris removal coverage and a total fire loss settlement.
Pros
Highly rated for customer and claims satisfaction
Offers three tiers of home insurance coverage with varying policy types
Some policyholders can receive annual dividends
Cons
Doesn’t have in-person agents or office locations
No 24/7 customer service
No rideshare or classic car insurance
Chubb: Best for claims
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $296/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $457/mo |
If you’re looking for a home insurance company in Oregon that excels in claim handling, Chubb might be a good insurer to consider. Chubb ranked No. 1 in the J.D. Power 2025 U.S. Property Claims Satisfaction Study. It also ranked second-best (behind Amica) in the J.D. Power 2025 U.S. Home Insurance Study.
Chubb offers an impressive claim experience, with fast response times, an extensive network of professional service providers, a three-year guarantee on home repairs, and advanced payment for loss of use coverage.
Pros
Highest claims satisfaction rating from J.D. Power
Personalized claim-handling process, with excellent customer support
Provides robust coverage for high-value homes
Cons
Expensive average premiums
Might not be the best insurer for homes that don’t have a high replacement cost
Can’t instantly get a quote online
American Family: Best for coverage options
coverage options
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $110/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $153/mo |
American Family stands out for its comprehensive homeowners insurance coverage options, making it a good choice for Oregonians who want to customize their policy. The company offers 12 home insurance endorsements, including equipment breakdown, inland flood, home renovation, roof damage, service line, scheduled personal property, and senior living coverage.
You can also add insurance for vacant homes, vacation homes, and short-term rentals if you’re insuring a home that’s not your primary residence.
Pros
Offers 12 home insurance endorsements
Good customer satisfaction rating from J.D. Power
Optional coverage for vacation homes and short-term rentals
Cons
Rated below average for claims satisfaction
No discount for protective systems or home security devices
Doesn’t provide 24/7 phone support
The Hartford: Best for retired homeowners
retired homeowners
The Hartford
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
If you’re an AARP member in Oregon, you can get special access to home insurance through The Hartford. AARP members who insure their home with The Hartford can get protections such as contents replacement cost coverage, lock replacement reimbursement, a disappearing deductible, and equipment breakdown coverage.
The Hartford also offers an excellent policy bundling discount that could help lower your insurance costs. The Hartford advertises that customers who bundle could save up to 12% on auto insurance and up to 20% on homeowners insurance.
Pros
High J.D. Power property claims satisfaction score
Good selection of endorsements
Generous policy bundling discounts
Cons
Home insurance is available only to AARP members
Receives many complaints for home insurance through the National Association of Insurance Commissioners (NAIC)
Limited home insurance discounts
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Oregon to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Oregon
The cheapest home insurance company in Oregon is Travelers, with an average monthly premium of $88 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
In the following table, you can see some of the cheapest insurers in Oregon and their average annual rates for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company  | Average Annual Premium |
|---|---|
| Travelers | $1,004 |
| USAA | $1,129 |
| Farmers | $1,141 |
| American Family | $1,255 |
| Allstate | $1,278 |
| Nationwide | $1,278 |
| State Farm | $1,323 |
| Allied | $1,472 |
| Encompass | $1,677 |
| Foremost | $1,814 |
| COUNTRY Financial | $2,053 |
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How much does homeowners insurance cost in Oregon?
In Oregon, the average cost of home insurance is $1,368 per year, or $114 per month, for a policy with $300,000 in dwelling coverage.
The actual amount you’ll pay for home insurance depends on a variety of factors, including the following:
ZIP code
If you live in an area of Oregon that’s prone to flooding, earthquakes, or wildfires, your home insurance premium could be more expensive.
Deductible
Homeowners insurance policies with higher deductibles have lower rates. If you choose lower deductibles, you’ll have a higher premium.
Claim history
If you’ve filed home insurance claims in the past, it’s possible that your insurance premium could be more expensive.
Home age and construction type
Older homes with rare building materials typically cost more to insure than newer homes constructed with more readily available materials.[4]
Cheapest home insurance companies in Oregon by dwelling coverage
Dwelling insurance is the portion of your home insurance policy that pays to repair or rebuild the physical structure of your home after a covered loss.[5] Typically, the higher your dwelling limit is, the higher your home insurance premium will be.
The table below shows the cheapest homeowners insurance companies in Oregon for various dwelling policy limits. The average annual premiums reflect costs for policies with a $1,000 deductible.
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Travelers | $673 |
| Farmers | $787 |
| USAA | $890 |
| Nationwide | $890 |
| American Family | $935 |
| Allstate | $970 |
| Foremost | $1,050 |
| State Farm | $1,050 |
| Allied | $1,095 |
| Encompass | $1,232 |
| COUNTRY Financial | $1,472 |
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Travelers | $1,004 |
| USAA | $1,129 |
| Farmers | $1,141 |
| American Family | $1,255 |
| Allstate | $1,278 |
| Nationwide | $1,278 |
| State Farm | $1,323 |
| Allied | $1,472 |
| Encompass | $1,677 |
| Foremost | $1,814 |
| COUNTRY Financial | $2,053 |
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,551 |
| Travelers | $1,700 |
| American Family | $1,745 |
| State Farm | $1,768 |
| Allstate | $1,917 |
| Farmers | $1,962 |
| Nationwide | $2,008 |
| Allied | $2,373 |
| Encompass | $2,475 |
| Foremost | $2,829 |
| COUNTRY Financial | $3,126 |
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,065 |
| State Farm | $2,259 |
| Allstate | $2,304 |
| American Family | $2,327 |
| Travelers | $2,498 |
| Farmers | $2,886 |
| Nationwide | $2,977 |
| Encompass | $3,559 |
| Allied | $4,358 |
| COUNTRY Financial | $4,403 |
| Foremost | $5,909 |
Oregon homeowners insurance cost by city
Home insurance rates in Oregon can vary by region. Some cities have higher insurance rates than others due to factors like wildfire risks, proximity to a fire station, or frequency of claims.
The following table shows the average cost of homeowners insurance in a few of the most populated cities in Oregon. The average annual premiums below reflect costs for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates in Oregon are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Data reviewed by Chase Gardner
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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City | Average Annual Premium |
|---|---|
| Portland | $1,164 |
| Salem | $1,198 |
| Eugene | $1,209 |
What homeowners should know about insurance in Oregon
Oregon homeowners face unique risks that can cause property damage. While standard home insurance policies can cover some of these risks, many homeowners need additional coverage for more complete protection.
Here are some of the perils that you should be aware of as an Oregon homeowner, and how they can affect your insurance needs.
Flooding
Certain areas of Oregon are more prone to flooding than others, but flooding is possible across the entire state. In fact, the NFIP has determined that all 36 counties in Oregon have some level of flood risk.[6]
Standard home insurance policies don’t cover flood damage, so you’ll need to get a separate policy if you want flood coverage. You can get flood insurance through the NFIP or some private flood insurers.[7]
Earthquakes
Oregon is at risk for major earthquakes caused by the Cascadia Subduction Zone located near the coast. It’s possible that a 9.0+ magnitude earthquake originating in this zone could strike Oregon and cause a tsunami of up to 100 feet.[8]
Regular home insurance policies don’t cover earthquakes. Most policies also exclude coverage for other types of earth movement, like landslides and mudslides. If you want earthquake coverage, you’ll need to add earthquake insurance as a home insurance endorsement or buy it as a separate policy.
Wildfires
Homeowners in Oregon should be aware of the high risk of wildfires in the state. While wildfires are a natural occurrence, especially in the state’s “dry forests,” climate change has been accelerating the severity of wildfires in Oregon.[9]
Standard home insurance policies cover damage from wildfires. If a fire damages or destroys your home or personal belongings, your policy will cover the cost of rebuilding your home and replacing your items. It’ll also cover loss of use if your home is uninhabitable and you have to temporarily relocate.
How much homeowners insurance do you need in Oregon?
Homeowners insurance isn’t a legal requirement in Oregon, but most mortgage lenders require it as a condition of your loan. Before you purchase a policy, it’s important to understand exactly what your home insurance covers and check for exclusions.
In general, you should have enough dwelling insurance to cover the cost of restoring your home to its original condition after a total loss. Choose a personal property coverage limit that matches or exceeds the full value of the items you own. Making a home inventory can help you pick an appropriate coverage limit and will come in handy if you need to file a claim.
You should have enough liability coverage to protect your personal assets in a lawsuit, including real estate, savings, vehicles, and investment accounts. For additional living expenses insurance, make sure you have enough coverage to pay for temporary living expenses, like a hotel, parking, and restaurant meals. You can use this coverage if your home becomes uninhabitable after a covered event.[10]
Shop for Oregon Home Insurance
Monthly insurance premiums start at $88 for standard coverage
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How to contact the Oregon Division of Financial Regulation
The Oregon Division of Financial Regulation oversees the insurance industry in the state. It protects consumers from insurance fraud, investigates insurance company complaints, and provides educational resources.
You can use this contact information to get in touch with the Oregon DFR:
Phone: 1 (888) 877-4894
Email: [email protected]
Oregon homeowners insurance FAQs
If you still have questions about homeowners insurance in Oregon, here’s some more information that can be helpful as you shop for policies and compare insurance quotes.
How much is home insurance in Oregon?
The average annual cost of home insurance in Oregon is $1,368 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. Homeowners insurance rates depend on the age of your home, deductibles, and coverage limits.
Which company has the cheapest homeowners insurance in Oregon?
Travelers has the cheapest home insurance in Oregon, with an average monthly premium of $88. But the cheapest insurer for you will depend on your specific situation and policy choices.
Does Oregon require homeowners insurance?
No. Oregon doesn’t require homeowners insurance. But if you have a mortgage, your lender will probably require it.
How can you lower your home insurance premiums in Oregon?
To lower your home insurance premium in Oregon, you can consider looking for discounts and bundling your car insurance with home insurance. You can also save by increasing your deductible and installing a home security system or fire alarms.
Why are insurance companies leaving Oregon?
Wildfire-related claims cause significant financial losses for insurers in Oregon. As a result, some insurance companies are raising premiums, dropping policies, and in some cases, pulling out of Oregon altogether.
What is the best home insurance company in Oregon?
The best homeowners insurance company in Oregon is different for everyone. The best company for you depends on your coverage needs, preferences, and budget. Comparing multiple insurers in Oregon and getting personalized home insurance quotes can help you find the best policy at the most affordable price.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Oregon Department of Veterans' Affairs. "Oregon's Natural Hazards."
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds."
- Insurance Information Institute. "How to save money on your homeowners insurance."
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Oregon Department of Transportation. "Fact Sheet: Climate Change Impacts and Inland Flooding in Oregon."
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
- Cascadia Subduction Zone. "Oregon Department of Emergency Management."
- Oregon Forest Resources Institute. "Fire in Oregon’s forests."
- Insurance Information Institute. "How much homeowners insurance do I need?."
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Elizabeth RivelliFreelance Insurance Writer
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Since launching her freelance career in 2019, Elizabeth has focused on creating content that helps readers understand complex personal finance topics – including insurance. She’s been a contributor at Insurify since October 2022.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in