Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Oregon

Our Recommended Top 12

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 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.

2440Reviewed

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12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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.

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. ?

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.

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.

Beaverton

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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.

Portland

Expertise.com Rating

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.

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.

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.

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.

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.

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.

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.

FAQs

  • 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.
  • 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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