Ducks and Beavers. Cork boots and food carts. Oregonians have your own distinctive way of life in the Northwest. If your home is in Ashland or Eugene, up in the mountains near Bend or out on the coast near Coos Bay, wherever you live in Oregon Safeco offers insurance for your home in the Beaver State. When considering home insurance coverage in Oregon, keep in mind how the climate in your region and acts of nature in the Northwest has the ability to adversely affect your home and property. Extreme acts of nature like flooding, mudslides, earthquakes and volcanic eruptions pose threats to homes in Oregon. Get your Oregon home insurance quote today.
With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Oregon homeowners an affordable blend of home insurance coverage and value.
For Oregon homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.
Oregon homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.
Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Oregon.
New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Oregon homeowners insurance quote today and start saving tomorrow.
All Safeco Oregon homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Oregonns have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.
Earthquake insurance in Oregon is available as a separate policy for Oregon homes that meet certain eligibility and construction requirements. Talk to your local Safeco insurance agent about protecting your home with Oregon earthquake insurance.
With extended dwelling coverage an extra 25% or 50% more coverage can be added to your base Oregon homeowners insurance policy to help pay for unexpected repair or rebuilding costs that exceed the standard amount covered in your base policy.
Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Oregon homeowners policy.
Get liability coverage for home day care services provided in your home for up to three people.
If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.
Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.
Homeowners insurance is not required by Oregon state law, however most lenders require first time buyers to purchase home insurance. Also, mortgage lenders generally require insurance that covers at least the outstanding balance of your loan.
There are 258 towns and counties in Oregon identified as flood hazards. Rainfall and spring snow thaw are the two main sources of flood water in Oregon.
Is flood damage covered by home insurance in Oregon?
Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.
Western Oregon is susceptible to mudslides and mudflows due to the amount of rain the region receives each year. Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water.
Are mudslides and mudflows covered by home insurance?
Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.
Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.
Does home insurance cover lightning strikes and hail damage?
Most lightning and wind damage associated with thunderstorms is covered by a standard homeowners insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.
Earthquakes in Oregon are not as common an occurrence as they are in neighboring states, however they do happen here. In 1993 a magnitude 6 earthquake struck Klamath Falls, causing significant damage to the southern Oregon community. The U.S. Geological Survey places Oregon in the top ten earthquake states.
Is earthquake damage covered by home insurance in Oregon?
Earthquake insurance is available as an optional policy for Oregon homes that meet certain eligibility and construction requirements. Talk to your local Safeco insurance agent about earthquake insurance for your home in Oregon.
The central Cascade Range and eastern Oregon generally see more snowfall than the Willamette Valley and coastal areas.
Cold winter temperatures can:
Heavy, wet snow can:
Is home damage caused by winter weather covered?
Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.
Both started by lightning stikes on the same summer day in 2012, the Long Draw and Miller Homestead wildfires scorched over 700,000 acres in southeast Oregon. Though wildfires can start just about anywhere, the dry, hot weather of eastern Oregon increases the area’s potential for wildfire outbreaks.
Does home insurance cover wildfire damage?
Most standard home insurance policies cover the cost to repair common wildfire damage to your home and personal belongings.
With an average of three tornadoes a year between 1991 and 2010, Oregon is not known for its twisters. However, in the spring of 1972 an F3 tornado touched down in the Portland area, causing significant damage for nine miles.
Is tornado damage covered by home insurance?
Your standard home insurance typically covers the cost to repair damage caused by a tornado.
There are many communities and towns along the Pacific Coast of Oregon. According to the U.S. Geological Survey, a significant earthquake occurring in the Cascadia subduction zone would result in a tsunami that could threaten coastal communities in Oregon.
Is tidal wave and tsunami damage covered by home insurance?
Tsunami damage is not covered by a standard home insurance policy. To insure your home against tsunami and tidal wave damage, you need to purchase flood insurance backed by the National Flood Insurance Program.