Best Homeowners Insurance in Oregon


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in Oregon are American Family, State Farm and Nationwide.

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American Family offers the best overall home insurance for most Oregon homeowners. For newer homes, State Farm could be a more suitable option.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in Oregon?

Oregon's best home insurance companies are American Family, State Farm, Nationwide, Capital Insurance Group and Allstate. American Family excels in coverage and customer service, while Capital Insurance Group is the most affordable. Compare all our top picks below.

American Family93212
State Farm92423
Nationwide90331
Capital Insurance Group70155
Allstate70543

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Best Homeowners Insurance Companies by Category

While our rankings show the best overall home insurance providers, individual needs or property types can lead to different choices. Below, we present top picks across key categories.

American Family93Overall
American Family93Older Homes
American Family92Newer Homes
American Family93High-Fire-Risk Areas
American Family93Bad Credit
American Family93With Claims History

Best Oregon Home Insurance by City

Home insurance provider rankings in Oregon cities vary widely due to affordability, customer service, and available add-on coverages. For example, State Farm ranks best in Eugene, while American Family leads in Gresham, Hillsboro, Portland and Salem. Below, we've outlined the top overall providers for each city to help you choose the right option locally.

EugeneState Farm93
GreshamAmerican Family93
HillsboroAmerican Family93
PortlandAmerican Family93
SalemAmerican Family93

Best Oregon Home Insurance Reviews

Explore our analysis of leading home insurance providers in Oregon, showing those excelling in affordability, customer service and a range of coverage options.

Capital Insurance Group: Best for Affordability

Capital Insurance Group is the most affordable Oregon home insurance provider, although it's at the bottom of our list for both coverage and customer service in the state. Additionally, it has unique coverage options like service line coverage for underground utilities, complimentary identity theft protection, and optional home cyber protection to enhance your home's security.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
Newer Homes$67$804
Newer Homes in High-Fire-Risk Areas$82$984
Older Homes$120$1,443
Older Homes in High-Fire-Risk Areas$147$1,765

American Family: Best for Customer Service

American Family is the top home insurance provider overall for home insurance in Oregon, mainly due to its second ranking for affordability and its top ranking spot for customer service in the state. It's just around the national average according to J.D. Power for both claims and customer satisfaction.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
Newer Homes$60$723
Newer Homes in High-Fire-Risk Areas$60$723
Older Homes in High-Fire-Risk Areas$93$1,111
Older Homes$93$1,111

Nationwide: Best for Coverage

Nationwide is the third-most affordable option for home insurance in the state, although it takes the top spot for coverage in our study. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Newer Homes$34$414
Newer Homes in High-Fire-Risk Areas$38$452
Older Homes$76$911
Older Homes in High-Fire-Risk Areas$83$994

How to Find the Best Home Insurance in Oregon

We’ve produced a step-by-step guide to help you find the coverage that fits your needs perfectly.

  1. 1

    Determine your coverage needs

    Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.

  2. 2

    Research costs and discounts

    Figure out how much home insurance costs in Oregon to see if providers offer savings. Check for discounts you qualify for, such as bundling or installing safety devices, to maximize your premium savings.

  3. 3

    Find the best providers for you

    After researching coverage and costs, narrow your search for the best and cheapest home insurance in Oregon. Evaluate customer service ratings, pricing tailored to your needs, and suitable coverage add-ons.

  4. 4

    Compare multiple providers through all means

    With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.

Best Homeowners Insurance in Oregon: Bottom Line

American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in Oregon. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.

Best Home Insurance in Oregon: FAQ

Explore our FAQ section for straightforward answers to help you choose the right home insurance provider.

Which company is best for home insurance in Oregon?

Who has the most affordable homeowners insurance in Oregon?

How do you get the best homeowners insurance in Oregon?

How We Decided the Best Home Insurance in Oregon: Our Methodology

We rated the best homeowners insurance providers in Oregon using this methodology:

  • Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
  • Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
  • Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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