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Best Homeowners Insurance Agencies in Eugene, OR

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Eugene 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

1140 Willagillespie Road, Eugene, OR 97401 Rating

Review Sources

4.9 (108)
3.5 (3)

Why choose this provider?

Affordable Insurance Solutions is an independent homeowners' insurance agency that serves clients in Eugene. Its agents are committed to helping clients determine the scope of their plans by considering several factors, such as home rebuilding costs. It also has access to over 30 insurance carriers that help protect clients' homes or valuables damaged by fire, explosions, and theft. It secures additional living expenses, including hotel and restaurant bills and liability. Affordable Insurance Solutions has been a family-owned and family-operated business since 2009.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

450 Country Club Road, Eugene, OR 97401 Rating

Review Sources

5.0 (6)
5.0 (1)

Why choose this provider?

PBC Insurance is a local homeowners' insurance agency that serves clients living in Eugene and the surrounding areas. For more than 25 years, the agency's team of insurance agents has been helping homeowners throughout the process of purchasing home insurance policies that are appropriate to their properties. They provide their clients with competitive plans and allow them to determine the policy's amount of coverage. PBC Insurance operates based on the values of dedication, expertise, integrity, and passion.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Eugene, OR Rating

Review Sources

4.6 (22)
5.0 (14)
5.0 (9)

Why choose this provider?

Bordelon Insurance is an independent insurance agency based in Eugene that serves personal and business clients throughout the surrounding areas. The agency partners with some of the biggest insurers, such as Safeco and Liberty Northwest, to offer homeowners a range of policies that cover home disasters. The agents can also discuss related policies that provide coverage for damaged personal items, such as appliances and art. The agency's additional services include arranging life and health care insurance.

  • Multiple Policy Types
  • Fire
  • Renter's Insurance

366 East 40th Avenue, Eugene, OR 97405 Rating

Review Sources

5.0 (6)
5.0 (5)

Why choose this provider?

The Pick Insurance has been meeting the insurance requirements of its clients through its offices in Eugene and Roseburg for more than a decade. This independent insurance agency offers a selection of insurance products, including homeowners' insurance. Its homeowners' insurance policy covers the home or apartment of the policyholder. It can replace personal properties destroyed by disasters, such as a fire. The policy also protects clients from lawsuits by people who were injured within their properties.

  • Multiple Policy Types
  • Personal Property Insurance
  • Renter's Insurance

340 Washington St SW, Albany, OR 97321, Eugene, OR 97321 Rating

Review Sources

4.8 (143)
4.4 (20)

Why choose this provider?

Suzanne Bodlovic is a State Farm insurance agent located in Eugene who has more than two decades of financial industry experience and has been providing insurance services in the surrounding areas since 2016. The licensed agent regularly helps homeowners find policies that have premiums within their budgets and provide the coverage they need. Additionally, Ms. Bodlovic assists condo owners and renters, finding policies that cover repair and replacement costs for personal items.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Affordable Insurance Solutions
1140 Willagillespie Road, Eugene, OR 97401
PBC Insurance
450 Country Club Road, Eugene, OR 97401
Bordelon Insurance
Eugene, OR
The Pick Insurance
366 East 40th Avenue, Eugene, OR 97405
Suzanne Bodlovic - State Farm Insurance Agent
340 Washington St SW, Albany, OR 97321, Eugene, OR 97321


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Do residents of Eugene need to purchase wildfire damage coverage on top of their homeowners' insurance?

    No additional purchase of wildfire damage coverage is necessary for residents of Eugene, as it's already part of their homeowners' insurance. This is outlined in the Oregon Insurance Code, where homeowners insurance policies automatically encompass wildfire coverage. Oregon operates under the standard fire principle, ensuring that fire-related losses are covered regardless of their origin — be it a kitchen incident, electrical malfunction, or a wildfire.

  • How does one determine how much coverage they need for a homeowners' policy in Eugene?

    Individuals should create a home inventory to help them determine the appropriate coverage for their homeowners' policy in Eugene. This document provides a thorough account of personal belongings and includes information that can be valuable when making a claim with a home insurance provider. A typical home inventory usually includes photos, item identification, model or serial numbers, receipts, and the initial purchase price of each item.

  • What kinds of coverage in Eugene are covered in a homeowners' policy?

    The coverage in a homeowners' policy in Eugene typically includes:

    • Dwelling coverage: Pays to rebuild or replace the main house and remove debris.
    • Other structures coverage: Pays to rebuild or replace structures not connected to the main house.
    • Contents coverage: Pays to replace personal belongings.
    • Liability coverage: Handles legal claims if someone is hurt on your property.
    • Additional living expense coverage: Covers temporary living costs if your home is damaged by a covered event.
  • What factors impact the premium that Eugene residents should expect to spend on home insurance?

    The rate of homeowners' insurance in Eugene is influenced by various factors, such as the home's location, age, construction type, size, and value. The chosen coverage level, deductibles, credit scores, claims history, and policy type also play a role. Moreover, insurers take into account installed home safety features and the proximity of the home to facilities like fire stations.

  • What are the types of home insurance policies offered in Eugene?

    Some home insurance forms available in Eugene include:

    • Dwelling Fire Form: Covers dwellings and limited risks.
    • Basic Form: Covers explicitly named perils.
    • Modified Coverage Form: For older homes with higher rebuilding costs; same perils as Basic.
    • Broad Form: Covers named perils.
    • Special Form: Covers all perils except specified exclusions like floods and earthquakes.
    • Tenants Form: Covers personal items in rentals per Broad Form.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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