The Best Home Insurance in Oregon for 2025

Chubb and Country Financial are among the best home insurance companies in Oregon, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Oregon. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

» MORE: The best home insurance companies

The best home insurance companies in Oregon

Here's more information about the best homeowners insurance companies in Oregon.

Amica stands out for its broad range of coverage options and customer service. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Oregon homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

» READ MORE: Country Financial homeowners insurance review

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.

Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

» READ MORE: Cincinnati Insurance homeowners insurance review

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

You may be able to customize your policy with a declining deductible, which will reduce your deductible each year you have your policy. You can also add claims forgiveness, which means your rates won’t go up because of a claim if you’ve been claim-free for a certain amount of time.

» READ MORE: Farmers homeowners insurance review

Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup damage, identity theft and stronger materials to replace your roof.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

» READ MORE: Nationwide homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before, up to $5 million.

Plus, if your things are stolen or destroyed, Openly will pay enough for you to buy brand-new replacements, rather than paying less for older items that have lost value over time. It also covers your belongings on an “open perils” basis, paying for damage from anything except scenarios your policy excludes. Most home insurance policies cover damage only from causes specifically named in your policy.

» READ MORE: Openly homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE: Travelers homeowners insurance review

USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

How much does homeowners insurance cost in Oregon?

The average annual cost of home insurance in Oregon is $1,305. That’s 38% less than the national average of $2,110.

In most U.S. states, including Oregon, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Oregon, those with poor credit pay an average of $2,770 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 112% more than what those with good credit pay.

Average cost of homeowners insurance in Oregon by city

How much you pay for homeowners insurance in Oregon depends on where you live. For instance, the average cost of home insurance in Portland is $1,295 per year, while homeowners in Bend pay $1,415 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Oregon

Here are the insurers we found with average annual rates below the Oregon average of $1,305.

» MORE: The cheapest homeowners insurance

Common risks for Oregon homeowners

Here are a few things to keep in mind when evaluating home insurance options in Oregon.

Wildfires

Homeowners insurance in Oregon is legally required to cover damage from wildfires, but it's important to review your policy to ensure you have enough coverage. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to ensure you have enough coverage to rebuild if necessary. See our full guide to wildfire insurance.

Flooding

Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property.

To assess your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.

Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.

» MORE: Why you might want flood insurance — even if it’s not required

Winter weather

A standard homeowners policy will cover most damage from winter storms. However, review your policy, as some types of winter weather damage may be excluded. For example, damage caused by the weight of snow may be covered, but damage to retaining walls or foundations may not be. Your insurance also likely does not cover damage caused by negligence. If you leave town and a winter storm comes through, you’re responsible for preventing burst pipes by keeping your heat at an adequate temperature or emptying your water lines.

Earthquakes and landslides

Homeowners insurance does not typically cover earthquake damage or other types of earth movement, such as landslides. If you live in an area with a higher risk for seismic activity, consider buying earthquake insurance. Be aware that earthquake insurance often has a separate deductible, which tends to be either 10% or 15% of the coverage on your policy. For example, if you have a 10% deductible on $200,000 of coverage, you would need to pay a $20,000 deductible for earthquake damage before your insurance kicks in.

» MORE: Home insurance calculator: Estimate your rate

Oregon insurance department

The Oregon Division of Financial Regulation oversees the state’s insurance industry and provides resources and support to homeowners looking for information on insurance in the state.

If you have an issue with your homeowners insurance provider, you can file a complaint with the division online or by mail or fax. For other questions, you can use the toll-free Consumer Hotline at 888-877-4894 or contact DFR.InsuranceHelp@dcbs.oregon.gov.

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