Updated: November 27, 2024
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In Eugene, Oregon, Nationwide is the best and cheapest home insurance company overall. However, if customer service is your priority, American Family is the top option.
These companies cater to different needs, so choose a provider based on what matters to you, like cost, customer service or coverage options.
Best HomeInsuranceEugene, ORTable of Contents
Why Trust MoneyGeek? Using data from Oregon's Department of Insurance and Quadrant Information Services, we identify the best homeowners insurance in Eugene.
In Eugene, home insurance premiums represent the most competitive rates as of September 2024.
Nationwide is the best home insurance option for 100K dwelling coverage in Eugene, OR, with a MoneyGeek score of 91 out of 100.
Home insurance companies in Eugene have scores ranging from 50 to 91, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Nationwide | 91 | $501 |
| State Farm | 87 | $607 |
| Farmers | 84 | $532 |
| American Family | 84 | $681 |
| Allstate | 63 | $880 |
| Capital Insurance Group | 63 | $629 |
| COUNTRY Financial | 50 | $1,173 |
Nationwide is the best home insurance company in Eugene, OR, for $100K dwelling coverage because it offers a balance of affordability and high customer satisfaction. The overall top providers are:
While cost is important, consider other factors like customer support and claims handling; these are essential when making a claim.
Nationwide scores high in affordability and coverage, making it a top choice for home insurance. Its comprehensive coverages include cyber event/ID theft and scheduled personal property. Guaranteed replacement cost coverage helps rebuild your home after a loss. Service line coverage financially protects against losses due to damage to underground lines, and equipment breakdown covers repairs for mechanical issues.
Discounts for bundling policies and equipping your home with protective devices like smoke detectors or alarms can help you save money.
American Family offers the best customer service in home insurance for $100K dwelling coverage in Eugene, OR. The top providers in this category are:
American Family excels in customer satisfaction, earning a high MoneyGeek score. It offers reliable service and comprehensive coverage without unnecessary hassle.
Excellent service in home insurance means quick claims processing and friendly support.
American Family scores high on MoneyGeek for customer satisfaction and coverage. Its equipment breakdown coverage protects your appliances from damage, while backup of sewer or drain coverage protects your basement from water damage. Personal property replacement cost coverage ensures you get new items if yours are damaged.
You can save with smart home and bundle discounts. Use eligible devices to qualify for the smart home discount.
Nationwide is the best cheap home insurance company for $100K dwelling coverage in Eugene, OR, due to its strong customer satisfaction and high affordability scores. The top budget-friendly providers for this coverage amount are:
Opting for cheap home insurance with lower coverage can save money but may leave gaps in protection. If saving on premiums is your goal, explore the cheapest homeowner insurance companies may be beneficial. The best cheap provider, like Nationwide, stands out by balancing affordability and benefits, offering more value than the absolute cheapest options.
Nationwide is the best cheap home insurance company with a MoneyGeek score of 95 out of 100, excelling in affordability and coverage. Discounts like bundle, for combining home and auto policies, and protective device, for homes with alarms or smoke detectors, help reduce premiums.
Nationwide offers valuable coverages, such as equipment breakdown for repairing damaged electronics, and service line to cover underground utility damage, along with cyber event/ID theft and scheduled personal property.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 10, 2024
Many factors, like location, affect homeowners insurance in Eugene. Comparing rates is the best way to save, but it can take as long as 15 minutes per company. Comparing at least three companies means more than an hour of research. MoneyGeek's home insurance calculator helps you save time by focusing on critical factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details for an estimate.
Nationwide offers the lowest home insurance rates in Eugene, OR. Here are the cheapest overall providers:
The primary factor affecting home insurance costs is the dwelling coverage you select. Nationwide offers the cheapest rates for $100K and $250K coverages, while Capital Insurance Group is the most affordable for $500K coverage.
Opting for the cheapest homeowners insurance in Oregon can help you save and manage your budget effectively.
| Nationwide | $501 |
| Farmers | $532 |
| State Farm | $607 |
| Capital Insurance Group | $629 |
| American Family | $681 |
| Allstate | $880 |
| COUNTRY Financial | $1,173 |
Capital Insurance Group is the cheapest option for high-value home insurance in Eugene, OR. Properties with high replacement costs require higher dwelling coverage, which raises home insurance costs.
While Capital Insurance Group is the cheapest option for insuring expensive homes, it isn't the best overall choice.
| Capital Insurance Group | $1,631 |
| Nationwide | $2,251 |
| Allstate | $2,435 |
| State Farm | $2,519 |
| American Family | $2,562 |
| Farmers | $2,642 |
| COUNTRY Financial | $4,817 |
Nationwide offers the cheapest insurance for new homes in Eugene, OR.
Nationwide is affordable and highly rated by some measures, but choosing coverage that fully protects your home is crucial.
| Nationwide | $288 |
| Capital Insurance Group | $347 |
| State Farm | $379 |
| Farmers | $397 |
| American Family | $454 |
| COUNTRY Financial | $707 |
| Allstate | $850 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To understand how much home insurance coverage you need, consider your home's rebuilding costs, personal property value and liability coverage.
Research insurance companies operating in Eugene, OR. Look for those with good financial stability, positive customer reviews and a history of quality service.
Once you identify necessary coverages, compare home insurance quotes. In Eugene, OR, average annual premiums for $100K dwelling coverage range from $501 with Nationwide to $1,173 with COUNTRY Financial.
Inquire with each provider about discounts, such as for bundling policies, having safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage if a claim arises.
Enhancing home security with alarm systems and strong locks can lower your home's risk profile and potentially decrease insurance costs.
Keeping a good credit score can affect your insurance rates. Pay bills on time and work to lower outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, to qualify for discounts and save money.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Eugene, OR.
The average annual home insurance cost in Eugene, Oregon, is $584.
Nationwide offers the cheapest home insurance in Eugene, Oregon, with an average annual premium of $501.
Nationwide provides the best home insurance in Oregon for Eugene residents, with a MoneyGeek score of 91 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
