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2025

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Best Homeowners Insurance Agencies in Oregon

Our Recommended Top 12

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Our goal is to connect people with the best local professionals. We scored Oregon homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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12Top Picks

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Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Oregon
Beaverton

Expertise.com Rating

Why choose this provider?

For over three decades, Hukari Insurance Agency has been providing coverage solutions to clients throughout Oregon. Its professionals prepare the cheapest home policies to give financial protection to owners from loss of personal belongings and structural damage to their dwellings. In addition, its homeowners' insurance offers coverage against legal claims resulting from injuries or property damage the policyholders, families, or pets inflict upon third parties. The firm�s agents compare offerings from different carriers to find the best plans and bundles for clients.

Best Homeowners Insurance Agencies Serving Oregon
Eugene

Expertise.com Rating

Review Sources

Google
4.9 (135)
Yelp
4.0 (4)

Why choose this provider?

Affordable Insurance Solutions is a family owned and operated independent insurance agency. They have been helping Oregon find affordable coverage since 2009. With access to over 30 national & specialty carriers, they are able to find the best rate for your budget. This agency drafts a home policy that is tailored around the needs of the home, as well as the needs of the owner- with specialized coverage for jewelry, firearms, art, etc. Affordable Insurance Solutions is your one-stop-shop for auto, home, recreational, commercial and life. This agency takes pride in their personalized customer service and always ensures their customers are happy and secured with their coverage.

Best Homeowners Insurance Agencies Serving Oregon
Gresham

Expertise.com Rating

Review Sources

Google
4.8 (79)
Facebook
5.0 (20)
Yelp
4.8 (5)

Why choose this provider?

Joe Swift is a State Farm insurance professional in Oregon who leads a team with over 50 years of combined industry experience. He and his staff address the insurance needs of individuals and families who wish to protect their homes against natural disasters, theft, and vandalism. The best homeowners' insurance policies they offer can cover valuable items not permanently attached to properties, including jewelry, furniture, and instruments. The team assists clients with their applications and claims. It can cater to clients who speak Spanish.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Why choose this provider?

Willis-Clay Insurance, Inc., is a family-owned business serving the people of Oregon. It partners with various carriers, such as The Hartford, Progressive, and Safeco, to find the best coverage at a cheap rate for clients. It helps people seeking to secure their private residences with a homeowners' policy, which provides coverage for property losses, damaged contents, additional living expenses, medical expenses, and liability for accidents in the insured's custody covered by the policy. Renters' insurance is also available.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (12)
Yelp
4.7 (3)

Why choose this provider?

Cox Insurance is a family-owned agency serving the people of Oregon. It provides homeowner's policies to safeguard client's investments against covered perils, including fires, tree damage, and ice storms. As an independent firm, it can compare various carriers to find the best insurance packages for clients. In addition, the agency helps them apply for added protection for special items like jewelry and cameras, which are beyond the usual home coverage limits. Corey Cox, one of the owners, has been in the industry for over two decades.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Review Sources

Google
5.0 (216)
Facebook
4.0 (6)
Yelp
4.2 (5)

Why choose this provider?

Chamberlain Insurance Agency provides Oregon residents with the best and cheapest premium plans. It helps clients apply for a homeowner's policy to insure their investments from unforeseen events, such as fire incidents and storms. In addition, the insurance provides liability coverage for policyholders if they face a lawsuit due to an injury sustained within their premises. As an independent firm, Chamberlain Insurance Agency has access to various carriers, such as Safeco, Openly, Progressive, and AmShield Insurance.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Review Sources

Google
4.6 (56)
Facebook
5.0 (9)

Why choose this provider?

Taylor Altringe owns and runs the best State Farm agency in Oregon. His firm takes care of the insurance needs of individuals and families who are looking to secure their homes from theft, natural disasters, and vandalism. The homeowners' policy available covers valuable items that are not permanently attached to the property, such as jewelry, appliances, and instruments. Some items are also subject to special limits, such as money, banknotes, and firearms. Clients can purchase their homeowners' insurance on top of their auto premiums.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Review Sources

Google
4.3 (18)
Facebook
5.0 (12)
Yelp
4.8 (11)

Why choose this provider?

Timmco Insurance is the best policy provider in Oregon that assists people shopping for their first policies or seeking to upgrade their home's security. As an independent firm, it has access to various insurance providers, which allows it to find the best homeowners' insurance packages for clients. There are also coverage plans designed for renters and condo unit owners. Timmco Insurance has crafted policies for more than 6,000 clients since its inception in 1970. It has two offices in Portland.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Review Sources

Google
5.0 (147)
Facebook
4.9 (84)
Yelp
5.0 (22)

Why choose this provider?

Anthony Kondos is a second-generation State Farm agent in Oregon. His insurance firm provides the best home coverage options for individuals and families. The homeowner's policy available insures the dwellings and personal possessions of the policyholders against catastrophic events, theft, and vandalism. Another inclusion is liability protection for property damage and personal injuries caused to others. Clients may opt to purchase a homeowner's or renter's policy in addition to their auto insurance. The agency also provides its services in Spanish.

Best Homeowners Insurance Agencies Serving Oregon
Portland

Expertise.com Rating

Why choose this provider?

Auto Mate Insurance has been providing risk management solutions to the people of Oregon since 2015. Its specialists help clients find the best and cheapest insurance packages among over 70 carriers to secure their living spaces, such as homes, apartments, and condos. They also inform the clients about the homeowners� policy limits for items like jewelry, guns, and collectibles. In addition,it offers other property insurance programs designed to protect commercial buildings and short-term rentals. The agency was the 2018 Eagle Award Winner. ?

Best Homeowners Insurance Agencies Serving Oregon
Eugene

Expertise.com Rating

Review Sources

Facebook
4.6 (26)
Google
5.0 (3)

Why choose this provider?

PBC Insurance is a brokerage that provides the best coverage solutions to the people of Oregon. Its property and casualty department offers programs designed to protect people's valuable assets, such as homes. Its agents work with individuals and families to develop tailored homeowners' insurance plans that meet their security needs for their dwellings in case of unforeseen events or disasters. Since opening its doors in 1993, PBC Insurance has served over 10,000 individuals and businesses across the state.

Best Homeowners Insurance Agencies Serving Oregon
Bend

Expertise.com Rating

Review Sources

Google
4.6 (39)
Facebook
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Jim Bowlin is the best insurance agent in Oregon that has been with State Farm since 1995. Bowlin runs an agency that handles both personal and commercial lines. Among the products his firm offers includes homeowners' coverage, which provides financial protection against natural disasters, theft, and vandalism. The homeowners' policy can insure items that are not permanently attached to a house, including jewelry, furniture, appliances, and instruments. Some valuables like money and firearms fall under special limits.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Hukari Insurance Agency
7787 Southwest Cirrus Drive, Beaverton, OR 97008
Affordable Insurance Solutions
319 W 13th Ave., Eugene, OR 97401
Joe Swift - State Farm Insurance Agent
1008 NE Division St ste a, Gresham, OR 97030
Willis-Clay Insurance, Inc.
202 Southeast 181st Avenue, Portland, OR 97233
Cox Insurance
5755 NE Glisan St # 1, Portland, OR 97213-3797
Chamberlain Insurance Agency
7831 SE Stark St, Portland, OR 97215
Taylor Altringe
1505 NW 19th Ave, Portland, OR 97209
Timmco Insurance
1615 Northeast Broadway, Portland, OR 97232
Anthony Kondos - State Farm Insurance Agent Insurance Agent
13768 Southeast Division Street, Portland, OR 97236
Auto Mate Insurance
1507 SE 45th Ave Ste 305, Portland, OR 97215
PBC Insurance
450 Country Club Road, Eugene, OR 97401
Jim Bowlin - State Farm Insurance Agent
2214 Northeast Division, Bend, OR 97703

Oregon Homeowners Insurance Agency FAQs

  • What does homeowners insurance in Oregon typically not cover?

    Homeowners insurance in Oregon typically does not cover floods, earthquakes, landslides or earth movement, and cannabis-related properties. Flood coverage must be obtained separately through the National Flood Insurance Program, while earthquake coverage can be added as an endorsement or a standalone policy. Landslide coverage may be challenging to secure, and insuring cannabis-related properties may lead to coverage gaps.

  • Can an insurance provider in Oregon refuse coverage due to a homeowner's dog breed?

    In Oregon, it's possible for an insurer to decline coverage when a homeowner owns a dog breed with a track record indicating a higher likelihood of dog bite claims. However, when homeowners maintain active coverage without a specific exclusion concerning dog breeds in their policy, the insurance company cannot deny coverage based on the homeowner's dog breed.

  • Why is a home inventory essential for Oregon homeowners?

    A home inventory is essential because it enables Oregon homeowners to determine the value of their personal possessions. Many homeowners have more property than they are aware of. They can ensure they have enough coverage to replace their possessions in the event of loss, theft, or damage brought on by a covered incident by comparing the value of their goods to the "contents" limit provided in their insurance policy.

  • What are the primary reasons for homeowners insurance claims in Oregon?

    Common triggers for homeowners insurance claims in Oregon encompass damage caused by deceased trees, frozen pipes, and ice dams. Slip and fall incidents also have claim implications. Do note that these circumstances can frequently be forestalled by exercising proactive precautions, which might be necessary to uphold homeowners insurance eligibility.

  • What changes did Governor Tina Kotek's bill bring to Oregon's homeowners insurance policies?

    Governor Tina Kotek's bill, signed on May 8, 2023, ensures that Oregon insurance companies cannot use the statewide wildfire risk map as a basis for canceling, refusing to renew policies, or increasing premiums. Furthermore, the legislation compels insurance firms to provide policyholders with a mandatory period of at least two years to restore, reconstruct, or replace properties that have suffered damage or loss due to wildfires occurring amidst a state of emergency declaration.

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