Homeowners Insurance in Oregon for AARP Members

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Oregon Home Insurance Coverage

Homeowners Insurance in Oregon for AARP Members

Whether you live in Portland, Eugene, Salem, Hillsboro, Beaverton, Bend or anywhere in between, it’s important to have homeowners insurance in Oregon. That’s because the unexpected can happen at any moment, as homeowners in the Beaver State may know. The Hartford understands the everyday risks homeowners in the Beaver State face, from fire to theft. That’s why we offer customizable coverage that protects your home and its contents through the AARP^® Home Insurance Program from The Hartford.¹

What Does Oregon Homeowners Insurance Cover?

In Oregon, three large wildfires burned across the state in 2023; most notably, the Bedrock Fire spanned more than 10,600 acres.² Thankfully, most standard homeowners insurance policies do help cover damages from wildfires, but you’ll want to check that your policy has enough coverage to fully fix or replace your damaged or destroyed items. You can even use the Oregon Division of Financial Regulation’s wildfire preparedness tips to better protect your home.

The Hartford makes it easy for you to safeguard your home. Since 1984, the AARP Home Insurance Program from The Hartford has been protecting AARP members and their homes. Typical Oregon home insurance policies will have standard coverages, like:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.³

Additional Oregon Homeowners Insurance Options

couple protected by oregon home insurance

It’s quick and easy for you to customize your Oregon home insurance coverages with The Hartford. If you’re getting a homeowners insurance quote online, you can even do it then.

For extra protection, you may consider adding the following home insurance coverage options:

'New for Old' Protection^‡‡

“New for Old” Protection,^‡‡ which helps replace your destroyed belongings with new ones of the same quality.

Identity Fraud Expense Coverage

Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.

Disappearing Property Deductible^‡‡

Disappearing Property Deductible,^‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.

Equipment Breakdown Coverage

Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.

Valuable Items Blanket

Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.

Reimbursement for Replacing Locks

Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.

It’s important to know that insurance companies typically don’t offer flood coverage as part of their homeowners insurance policies. Instead, you’ll need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) to cover flood damage.***

How Much Is Homeowners Insurance in Oregon?

According to 2024 averages, home insurance in Oregon costs $986 a year, or $82 a month.⁴ This is $1,244 less than the national average of $2,230.⁵However, homeowners insurance rates vary based on things like your house size and if your zip code is near any risk areas. So, you may pay more or less than this amount.

Homeowners insurance rates will also change based on factors outside of your home, like inflation. For example, the yearly average cost of home insurance in Oregon has grown consistently since 2019, according to the latest data published by the Insurance Information Institute. While increasing, it’s always been well below the national average cost.⁶

Oregon Homeowners Insurance Discounts

The Hartford offers AARP members in Oregon several ways to save on the cost of their homeowners insurance. Some home insurance discounts to help you save include:

Bundle Discount: Save an average of $813 when you bundle insurance coverages with The Hartford. By bundling auto and home policies, you can save up to 12% on your auto insurance and up to 20% on your homeowners insurance.**
Fire Protection Discount: Installing devices such as a fire sprinkler system or monitored alarms can help you save on your home insurance in Oregon.
Home Security System Discount: Adding a burglar alarm or security systems can get you additional discounts on your home insurance policy.
Claim Free Discount: The longer you've been claims-free, the more you can save on your home insurance policy. Availability varies by state.
Paid-in-Full Discount: Extra discounts apply if you pay your bill in full instead of making monthly payments

Oregon Home Insurance Reviews

“A tree crashed down in a big storm, onto my garden house, hedges, and fences. The representative from The Hartford is the best! She is knowledgeable, helpful, and communicative. Someone came out to my property to survey the damage within a few days, and I received a check promptly to help pay for the cleanup and repairs.”

Lisa

“During a recent winter storm the electric panel on our home was destroyed. The Hartford immediately assisted and assigned me an agent who was kind, compassionate, and responsive. They took an extremely stressful situation and made it 1000 times better. I cannot thank them enough for their prompt payment and support.”

Ruth

“Our experience with The Hartford's claims process went very smoothly. Everything was promptly handled with extreme professionalism. We recommend The Hartford highly!”

Stephen

“Contact with The Hartford Insurance was a pleasant experience – I was treated respectfully and was kept up to date with each aspect of my claim.”

Lillian

“I was assigned a claim number right away and an agent contacted me within 48 hours. My agent was comforting and assuring during this stressful time. A tree had fallen on my house during a storm. The Hartford approved emergency tree service for removal and all repairs to structures. I felt confident they would take care of all damages and they have.”

Cynthia

“My husband & I are very happy with the way our claim was handled for our roof that was blown off by the wind. Our representative stayed in contact with us letting us know every step that was being taken and quickly had contractors getting a hold of us for an estimate and got our claim paid and taken care of very quickly. We highly recommend The Hartford Insurance.”

Edward

Oregon Homeowners Insurance FAQs

Is Oregon Home Insurance Required by Law?

Oregon home insurance is not legally required, but your lender may require you to have it if you have a mortgage.

What Are Some Common Homeowners Insurance Claims in Oregon?

From severe thunderstorms and winds to winter storms and wildfires, Oregon homeowners face different weather-related risks throughout the year.

What Is the Average Cost of Homeowners Insurance in Oregon?

According to 2024 averages, home insurance in Oregon costs $986 a year, or $82 a month.6 This is $1,244 less than the national average of $2,230.⁷

Quotes for Homeowners Insurance in Oregon From The Hartford

When it comes to Oregon homeowners insurance, The Hartford is here to help you get the coverage you need so you can have peace of mind. Oregon residents can get a quote online or call 877-422-2345 to speak with a representative.

Homeowners Insurance in Oregon for AARP Members

Oregon Home Insurance Coverage