Home Insurance Calculator — Oregon (OR) 2025
The average home insurance cost in Oregon is $1,330 per year ($111/month) for a standard policy on a $250,000 home. This is 30% below the national average of $1,900/year. Use our calculator to estimate your premium.
Oregon Home Insurance Calculator
Estimated Annual Premium
$1,330
Estimated Monthly Cost
$111
| Home Value | Basic (HO-1) | Standard (HO-3) | Premium (HO-5) |
|---|---|---|---|
| $150,000 | $559 | $798 | $1,077 |
| $250,000 | $931 | $1,330 | $1,796 |
| $350,000 | $1,303 | $1,862 | $2,514 |
| $500,000 | $1,862 | $2,660 | $3,591 |
| $750,000 | $2,793 | $3,990 | $5,387 |
| $1,000,000 | $3,724 | $5,320 | $7,182 |
Frequently Asked Questions
How much is home insurance in Oregon?▼
The average homeowners insurance premium in Oregon is approximately $1,330 per year for a standard policy on a $250,000 home. Costs vary based on home value, coverage type, location within the state, and your claims history.
What does homeowners insurance cover in Oregon?▼
A standard homeowners insurance policy (HO-3) in Oregon covers damage to your home's structure, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Premium policies (HO-5) offer broader coverage with fewer exclusions.
How can I reduce my home insurance costs in Oregon?▼
To lower your homeowners insurance in Oregon: increase your deductible, install security systems and smoke detectors, bundle with auto insurance, maintain a good credit score, and shop around for competitive quotes annually.
Does Oregon require homeowners insurance?▼
Oregon does not legally require homeowners insurance. However, if you have a mortgage, your lender will almost certainly require you to maintain adequate homeowners insurance coverage for the duration of the loan.
What factors affect home insurance rates in Oregon?▼
Key factors include your home's location, age, and construction type, the replacement cost, your claims history, credit score, proximity to fire stations, and whether the area is prone to natural disasters such as hurricanes, tornadoes, or flooding.