Pacific Northwest Protection Home Insurance in Oregon — From $32/mo
Find home insurance options in Oregon. Compare Oregon home insurance — Portland to Bend and beyond
No fees. No obligations. Soft check only.
We work with top companies to find the best match for you!
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
Why compare Home Insurance in Oregon?
Prices can vary widely across providers in Oregon. Whether you’re in Portland or Eugene, comparing quotes helps you find better coverage for less.
What you get
- Compare Oregon home insurance — Portland to Bend and beyond
- Rain, Fire & Earthquake Options
- Bundle & Save options where available
Rates in Oregon
Typical annual rates start from $384 (based on plans from $32/mo)
Oregon homeowners benefit from relatively low insurance costs but face diverse risks: heavy rainfall and moisture in western OR, wildfire risk in central and eastern OR, and earthquake risk statewide. Standard policies don't cover earthquakes or floods. Portland's older housing stock requires attention to system updates.
Estimated monthly rates by home profile in Oregon
Estimates vary by property type, age, and location within Oregon. Here's what homeowners often see:
| Home profile | Est. monthly | New construction | Flood available |
|---|---|---|---|
| Single family, $250k–$400k value | $32–$48 | No | ✓ |
| Single family, $400k–$600k value | $52–$75 | No | ✓ |
| Older home, built pre-1970 | $48–$72 | No | ✓ |
| New construction | $28–$42 | Yes | ✓ |
| Central/eastern OR wildfire zone | $62–$98 | No | ✓ |
Compare Oregon home insurance — Portland to Bend and beyond
Get Pacific Northwest Protection plans starting at $32/mo — includes Rain, Fire & Earthquake Options.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Home insurance cost in Oregon?
Average about $1,140/year ($95/mo). Eastern Oregon wildfire zones may pay more; Portland is moderate.
Earthquake insurance in Oregon?
Not included in standard policies. Strongly recommended for western Oregon due to Cascadia Subduction Zone risk.
Wildfire coverage?
Standard policies cover fire damage. Some carriers have restricted availability in high-wildfire-risk areas of central and eastern Oregon.
Flood insurance?
Separate policy required. Oregon's rainfall makes it advisable in many western OR areas.
What affects OR rates?
Location (wildfire/flood zone), home age, construction, and claims history.
Lower OR home insurance?
Bundling, fire-resistant construction, earthquake retrofitting, and comparing carriers.