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Best Homeowners Insurance Agencies in Medford

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ALSAFE Insurance Agency logo
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ALSAFE Insurance Agency

1560 Biddle Road, Medford, OR 97504
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  • Multiple Policy Types

Business Description

ALSAFE Insurance Agency services Medford area homeowners that seek to financially protect their residences and valuables in cases of covered incidents. The agency works to help clients determine suitable coverage options for damaged or destroyed properties due to events such as fire, falling objects, or theft. ALSAFE Insurance Agency also assists homeowners in determining policies suitable for specific property types, valuable items, medical fees, and temporary living expenses. The firm has been in the insurance sector since 1989.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (20)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ashland Insurance, Inc. logo
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Ashland Insurance, Inc.

801 O’Hare Parkway Suite 101, Medford, OR 97504
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Established in 1981, Ashland Insurance, Inc. is an independent insurance agency helping clients with their insurance needs through its offices in Medford and Ashland. Its homeowners' insurance gives its clients financial protection against unforeseen disasters. It covers the repair and replacement costs of the clients' properties and personal belongings after a hurricane, fire, or hail. The homeowners' insurance also comes with liability protection against lawsuits due to injuries or property damage another person suffers within the client's property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (21)
Facebook
3.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Focus1 Insurance Group, Inc. - Medford, OR logo
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Focus1 Insurance Group, Inc. - Medford, OR

720 East Jackson Street, Medford, OR 97504
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  • Multiple Policy Types

Business Description

Focus1 Insurance Group, Inc. - Medford, OR is an independent insurance broker dedicated to helping homeowners protect their homes and assets. Its professional agents compare rates from various providers on the market to help ensure that their clients find a suitable policy that fits their budget. They assist homeowners who want to prepare for financial losses resulting from vandalism, theft, and storms. The company can also help families and individuals purchase additional coverage for situations like floods and earthquakes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (56)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hart Insurance logo
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Hart Insurance

1123 Royal Ave, Medford, OR 97501
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  • Multiple Policy Types

Business Description

Hart Insurance offers a full range of financial protection services for Medford residents. The agency assists clients in different areas including home insurance. Included in its line of home insurance products is property insurance. This insurance plan covers property damage caused by windstorms, volcanic eruptions, lightning, and snow. It also compensates for damage resulting from vandalism and vehicle collisions. The company also offers mobile home insurance, scheduled property insurance, and earthquake insurance. Hart Insurance has been in service since 1947.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mr. D’s Insurance Inc. logo
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Mr. D’s Insurance Inc.

150 Hawthorne St B, Medford, OR 97504
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Mr. D’s Insurance Inc. has been providing insurance products and services to Oregon locals in Medford for over half a century. It offers personalized homeowners' insurance policies for all types of homeowners, such as renters. traditional house owners, condo dwellers, mobile home owners, and landlords. Additional coverage for flood and multi-policy packages are also available. Other insurance coverages include instant SR-22, cars and motorcycles, RVs, ATVs, and boats. Clients may request insurance quotes through the agency website.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.4 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rory Wold - State Farm Insurance Agent logo
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Rory Wold - State Farm Insurance Agent

2019 Aero Way, Medford, OR 97504
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  • Multiple Policy Types

Business Description

Rory Wold - State Farm Insurance Agent is a professional insurance company that assists customers in Medford with obtaining homeowners policies. Agent Rory Wold has been serving homeowners since 1990, and he is fully licensed. He offers guidance on blanket homeowner policies and additional policies for flooding and other natural disasters, and his office provides 24/7 customer services. Depending on specific customer needs, the company's homeowner policies can include coverage for fires, property damage due to theft, and personal liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Trey Berkey - Country Financial logo
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Trey Berkey - Country Financial

711 Bennett Avenue, Medford, OR 97504
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Trey Berkey is a Country Financial insurance agent in Medford who offers a range of insurance services like homeowners insurance. Berkey presents his clients with three homeowners insurance coverage options, namely, standard, premier, and combination coverage. These coverages can protect the clients' property from common events up to physical property damage and their personal belongings. Clients can choose the coverage that meets their needs and budget. Trey Berkey also offers auto, life, and farm insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
World of Insurance, LLC logo
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World of Insurance, LLC

1091 Medford Center, Medford, OR 97504
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

World of Insurance provides homeowners' insurance to clients in Medford. Since 2014, the insurance agency has been led by Daniel Pulido and Juan Pulido. Both are dedicated to aiding clients with their insurance needs. A homeowners insurance policy will protect homeowners from financial losses due to natural disasters or loss of personal possessions within the home. World of Insurance's home insurance coverages include dwellings, personal property, loss of use or additional living expenses, exclusions, and floods. It also grants auto insurance, business insurance, ATV insurance, and travel insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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