Oregon home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $1,484/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible: No separate wind, hail, or hurricane deductible is standard in Oregon — the deductible above applies to storm damage too.
Insurer of last resort: Oregon FAIR Plan Association; Created by the Oregon Legislature in 1971, the Oregon FAIR Plan is a nonprofit association of licensed property insurers that writes basic property coverage for responsible applicants who cannot obtain it in the normal market. It uses standard ISO forms for dwellings (owner-occupied or rented), farm dwellings and outbuildings, and commercial buildings, and its policies do cover wildfire damage. It is deliberately basic - closer to a dwelling-fire policy than a full homeowners policy, with no liability and limited add-ons - so buyers typically pair it with a wrap-around policy from the surplus-lines market. Reported maximum dwelling limit is about $600,000. Demand has grown through the last decade of severe wildfire seasons, though Oregon's voluntary market remains comparatively broad with well over 100 companies writing property business, so the FAIR Plan is still a genuine last resort here rather than a de facto primary market.