Best Homeowners Insurance Companies in Oregon

At $1,092 annually, American Family provides Oregon homeowners with competitive rates and valuable coverage features. The company's personal property replacement cost coverage pays full value for damaged or stolen items without depreciation deductions. When wildfires, winter storms or other natural disasters force you out of your home, American Family's additional living expenses coverage handles temporary housing costs during repairs.

American Family's $1,092 annual rate sits 3% below Oregon's $1,124 state average and substantially undercuts the $3,467 national average by 68%. The company rewards policy bundling and home security system installations with additional discounts.

American Family balances traditional service with digital convenience for Oregon homeowners. The insurer earned 643 out of 1,000 J.D. Power points, slightly above the industry's 642 average, while operating through local independent agents who offer personalized support. An online management platform handles routine policy tasks for those who prefer self-service options.

American Family provides standard homeowners coverage with optional add-ons:

• Equipment breakdown: Covers appliances, home systems and smart home devices damaged by mechanical or electrical breakdown
• Flash flood: Inland flood coverage pays for water damage from flash floods
• Hidden water damage: Covers leaks within walls, floors, ceilings and cabinets
• Home renovation: Covers foundation collapse and theft or damage to construction materials during renovations
• Matching undamaged siding: Reimburses costs to replace remaining siding so everything matches
• Roof damage: Bridges the gap between your current roof's depreciated value and replacement cost
• Service line: Pays to repair or replace damaged underground piping or wiring
• Sewer backup, septic backup and sump overflow: Covers repair costs from water backing up through drains or overflowing sumps
• Scheduled personal property: Increases coverage for jewelry, gemstones, watches and furs

USAA leads Oregon with the lowest home insurance rates at $882 per year for military families and eligible members. The company pays full repair or replacement costs through its replacement cost coverage. You won't see deductions for depreciation. USAA also protects your belongings while they're in transit, which works well for Oregon's active outdoor culture and military families who move often.

In Oregon, USAA averages $882 per year for home insurance, 22% less than the $1,124 state average and 75% below the national average of $3,467. Policyholders can reduce costs further by bundling policies or adding approved home security systems.

USAA earned 737 out of 1,000 points in J.D. Power customer satisfaction surveys, beating the industry average of 642. The company runs a digital-first service model with direct access and few independent agents. USAA provides coverage options built for Oregon homeowners' needs. You can manage your policy online, though the mobile app has fewer features than some tech-focused competitors.

USAA includes standard homeowners coverage with several practical add-on options:

• Replacement cost coverage: Pays to repair or rebuild without depreciation
• Personal property in transit: Covers belongings during moves or travel
• Dwelling protection: Protects the home’s structure
• Personal property coverage: Covers belongings inside the home
• Liability protection: Helps with legal costs if someone is injured on your property
• Additional living expenses: Pays for temporary housing during covered repairs
• Medical payments: Covers minor guest injuries regardless of fault

State Farm costs Oregon homeowners $1,202 per year. When you lose personal belongings, the replacement cost coverage pays what it costs to buy new items, not what your old stuff was worth. If wildfires or storms force you out, the additional living expenses coverage handles your hotel and meal costs while you're displaced.

Oregon homeowners insured through State Farm pay about $1,202 per year on average, placing rates above the state benchmark but well under the $3,467 national average. Bundling coverage and installing approved security features can reduce costs.

State Farm scored 657 out of 1,000 points in the J.D. Power study, beating the industry average of 642. The company works through local independent agents and direct sales, giving you personalized service and local expertise. You can manage your policy and file claims through its digital platform.

State Farm includes standard homeowners coverage with several add-on options:

• Replacement cost personal property: Reimburses the full value of belongings after a covered loss, without depreciation
• Additional living expenses: Pays for temporary housing when covered events force you to leave your home
• Dwelling protection: Protects the home itself along with attached structures
• Personal liability: Helps cover legal costs if you cause injury or property damage to others
• Medical payments: Pays medical bills for guests injured on your property, regardless of fault
• Personal property protection: Covers belongings damaged by covered events

At $833 per year, Capital Insurance Group offers the lowest average home insurance pricing in Oregon. Rather than relying on broad national templates, its policies reflect local conditions, with coverage that addresses water damage tied to heavy coastal and mountain rainfall along with wildfire exposure in higher-risk regions.

Oregon homeowners pay an average of $1,124 per year for home insurance, while Capital Insurance Group charges about $833 annually, a 26% difference. This pricing also sits 76% below the national average of $3,467. Additional savings apply through policy bundling and qualifying home security system installations.

Local independent agents manage customer service for Capital Insurance Group across Oregon, providing direct support throughout the policy lifecycle. This agent-led structure emphasizes personal guidance rather than self-service digital tools. Homeowners should expect strong in-person assistance with fewer options for online policy management.

Capital Insurance Group includes standard homeowners coverage with add-ons tailored to Oregon conditions:

• Water damage protection: Covers damage tied to heavy rainfall and moisture exposure
• Wildfire coverage: Addresses fire risks in higher-risk Oregon regions
• Standard dwelling coverage: Protects the home’s structure and attached features
• Personal property protection: Covers belongings damaged by covered events
• Liability coverage: Helps cover legal costs tied to injuries on your property
• Additional living expenses: Pays for temporary housing during covered repairs

Farmers charges Oregon homeowners about $1,131 per year for home insurance. The company offers flexible coverage options that let homeowners tailor policies to their specific needs. Equipment breakdown coverage adds protection for appliances and home systems that many standard policies leave out. This coverage appeals to homeowners who want support beyond basic structural protection.

In Oregon, Farmers averages $1,131 annually for home insurance, about 1% higher than the state average of $1,124 while remaining 68% below the national average of $3,467. Homeowners can lower premiums by bundling multiple policies under one account. Discounts also apply when qualifying home security systems are installed.

Farmers scored 631 out of 1,000 points in J.D. Power customer satisfaction surveys, falling short of the industry average of 642. The company works through local independent agents who give you personalized service. Its online platform handles basic policy management but doesn't include advanced digital tools.

Farmers includes standard homeowners coverage with a wide range of optional add-ons:

• Dwelling coverage: Covers the home’s structure against covered events
• Personal property coverage: Protects belongings inside the home
• Liability protection: Helps cover legal costs if someone is injured on your property
• Additional living expenses: Pays for temporary housing during covered repairs
• Equipment breakdown coverage: Covers mechanical failures of home systems and appliances
• Personal umbrella coverage: Extends liability protection beyond standard limits
• Identity theft coverage: Helps with recovery after identity theft
• Water backup coverage: Covers damage from sewer or drain backups