The Best Home Insurance in Oregon for 2025

Chubb, USAA and Amica 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

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

Chubb caters to affluent homeowners, offering coverage that often costs extra elsewhere.  For example, the company’s policies include extended replacement cost coverage for your home’s structure, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders in Oregon are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It receives far fewer complaints compared to other insurers of a similar size, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including broader coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm’s policies stand out for including extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

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

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can add more coverage for the structure of your home, for your belongings, or both.

Country Financial sells homeowners insurance through local representatives. The company receives far fewer complaints than expected for an insurer of its size.

» READ MORE: Country Financial homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include reimbursement for replacing damaged items with energy-efficient versions and home-sharing coverage.

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 when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do have to file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family offers broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family has a long list of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

Openly’s standard homeowners insurance 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.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. You may also want to consider it if you have collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

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.

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?

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

» MORE: The cheapest homeowners insurance

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

Wildfires

Home insurers in Oregon are legally required to cover damage caused by wildfires. Make sure you have enough dwelling coverage to rebuild, as a significant fire can destroy your home. See our full guide to wildfire insurance.

Flooding

Homeowners insurance usually doesn't cover flood damage. If you’re worried about flooding, you should consider buying flood insurance. You can buy flood insurance at any time, but there’s typically a 30-day waiting period before the insurance takes effect.

To check your flood risk, start by looking 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. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

Winter weather

Home insurance will cover most damage from winter storms, but it may exclude some types of damage. For example, damage caused by the weight of snow may be covered, but damage to retaining walls or foundations may not be. Your policy will have these specifics.

Be aware that your insurance probably doesn't cover damage caused by negligence. If a winter storm comes through while you’re out of town, you’re responsible for keeping your house warm enough to prevent your pipes from freezing and bursting.

Earthquakes and landslides

Homeowners insurance doesn’t cover damage from earthquakes, landslides or other types of earth movement. If you live in an area with a higher risk for seismic activity, consider buying earthquake insurance.

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

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

If you have an issue with your home insurance provider, you can file a complaint with the division online or by mail or fax. For other questions, call 888-877-4894 or email DFR.InsuranceHelp@dcbs.oregon.gov.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.