From severe snowstorms in the winter to strong windstorms from the Pacific Ocean, Oregon homes can be impacted by natural disasters. Luckily, home insurance keeps you from having to pay large amounts of money out of pocket to rebuild your home or replace your belongings, ensuring a fast recovery after a catastrophe.

To save our readers time, the This Old House Reviews team researched dozens of home insurance companies, comparing them on factors such as policy coverage, customer service, and reputation. We compiled a list of the best home insurance companies in Oregon to help you determine which company is best for you.

Although we include sample quotes for a few homes in various cities throughout the state, we recommend calling 855-948-5219 or entering your ZIP code into the quote tool below to get custom quotes based on your information:

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Oregon’s Top 3 Home Insurance Companies



Lemonade: Easiest Sign-Up

  • J.D. Power Rating: NR
  • AM Best Rating: NR

Lemonade scored lower than the other providers during our review with an 83.5 out of 100. It primarily lost points for its limited years of experience in the industry, as well as its lower Better Business Bureau (BBB) score of C, which is likely due to a high number of complaints about its insurance products, including renters insurance and pet insurance.

However, we were impressed with the company for having a 90-second quote and sign-up process, which is faster than most companies on the market. Its AI technology helps process your information, gives you advice on necessary coverage, and even makes decisions on claims, providing payouts within minutes of filing basic claims.

We recommend this provider to homeowners who want to avoid the hassle of going back-and-forth with insurance agents and adjusters throughout the duration of their policy. Get started with Lemonade’s fast quote tool by visiting the website or downloading the company’s mobile app.

Lemonade also features these added benefits:

  • Donates your unused premiums to the charity of your choice through its giveback program
  • Offers swimming pool liability coverage as an add-on for those who have pools on their properties
  • Provides a low deductible option of $500 for homeowners who want to minimize their out-of-pocket costs during a claim

Lemonade Sample Pricing

City (ZIP code)Portland (97206)Eugene (97404)Salem (97302)
House square footage2,0001,6001,900
Year built194220041988
Dwelling limit$298,000$250,000$325,000
Personal property coverage$179,000$275,000$242,500
Liability coverage$100,000$300,000$100,000
All-peril deductible$1,000$1,000$1,000
Wind/hail deductibleN/AN/AN/A
Monthly premium$68.25$73.50$87.50

Get Your Free Quote: Lemonade Home Insurance Quote

Learn More: Lemonade Home Insurance Review

*A.M. Best ratings accurate as of January 2023



State Farm: Best Endorsements

For Oregon homeowners who want to fine-tune their home insurance policy, we recommend State Farm, which scored a 96.6 out of 100 in our review and offers an extensive list of additional coverage options, also known as endorsements. For example, you can add water back-up coverage, identity theft protection, loss assessment coverage for unexpected HOA fees, energy efficiency upgrade coverage for adding green equipment to your home during a claim, and service line coverage.

Since earthquakes can be a common occurrence throughout Oregon, turn to State Farm for its earthquake insurance add-on, which adds earthquakes to a list of covered perils with a separate deductible of 15% or 20% of your dwelling limit. If none of those options include the protection you need, your local State Farm insurance agent may be able to offer other options.

State Farm also stands out for the following reasons:

  • Provides a generous discount of up to 35% (based on the sample quotes we received) for homeowners who bundle their home insurance policy with auto insurance
  • Offers medical payment coverage options up to $10,000, which is $5,000 more than most competitors
  • Includes extra protection for personal property items, including silverware, goldware, jewelry, and firearms

State Farm Sample Pricing

City (ZIP code)Portland (97206)Eugene (97404)Salem (97302)
House square footage2,0001,6001,900
Year built194220041988
Dwelling limit$293,000$282,000$325,000
Personal property coverage75% of dwelling75% of dwelling75% of dwelling
Liability coverage$100,000$300,000$100,000
All-peril deductible$2,000$2,000$2,000
Wind/hail deductibleN/AN/AN/A
Monthly premium$78.16$75.83$84.75

Get Free Quote: Call 1-360-262-2561

Learn More: State Farm Home Insurance Review



Allstate: Best Coverage Options

During our review, Allstate scored a 98.1 out of 100 for its impressive performance in nearly all of our rating categories. Although its prices on our sample quotes were a bit higher than Lemonade and State Farm, we named it the ‘Best Overall’ for its combination of outstanding customer service with 24/7 availability, comprehensive policy coverage with customization and helpful add-ons, and substantial discounts, such as the Easy Pay Plan, which lowers your premium for signing up for automatic billing.

Visit Allstate’s website to use its easy online tool for estimating your home’s value and giving you an instant quote without requiring a phone number or Social Security number.

Allstate also offers these benefits:

  • Features helpful resources on its website to educate and prepare homeowners for natural disasters, such as hail or windstorms
  • Offers a unique discount for homeowners who have a backup generator on their property
  • Provides the Claim RateGuard add-on, which keeps your premium from increasing when you file a claim

Allstate Sample Pricing

City (ZIP code)Portland (97206)Eugene (97404)Salem (97302)
House square footage2,0001,6001,900
Year built194220041988
Dwelling limit$250,000$250,000$325,000
Personal property coverage60% of dwelling75% of dwelling60% of dwelling
Liability coverage$100,000$300,000$100,000
All-peril deductible$2,000$2,000$2,000
Wind/hail deductible$2,000$2,000$2,000
Monthly premium$118.00$116.00$154.00

Get Your Free Home Insurance Quote: Allstate Quote

Learn More: Allstate Home Insurance Review



Our Conclusion

Purchasing home insurance in Oregon is a great way to receive peace of mind that your investment in your home will be protected during unpredictable events or natural disasters. Each of these companies offers quality coverage and unique benefits that make their policies valuable. Look to Allstate for impressive overall coverage, discounts, and customer service, State Farm for an extensive list of add-ons and extra protection, and Lemonade for a fast sign-up process and hassle-free claims filing.

Our biggest recommendation to readers is to get quotes based on your personal information and property details.

Get started with providers near you by calling 855-948-5219 or entering your ZIP code into the free quote tool below:
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Compare Homeowners Insurance Companies in Oregon

ProviderAllstateState FarmLemonade
Get a free quoteAllstate.comNot available through This Old
Our score98.196.683.5
Personal property coverage limits60% or 75% of dwelling75%–100% of dwelling40%–83% of dwelling
Liability coverage limits$100,000, $200,000, $300,000, $500,000$100,000, $300,000, $500,000, $1 million$100,000, $200,000, $300,000, $400,000, $500,000, $1 million
Sample premium*$118.00$78.16$68.25
Discounts available755
Unique add-onsRoof surfaces extended coverage, water backup protection, green improvementsEarthquake insurance, service line coverage, home systems protectionCoverage for musical instruments, significant other coverage, swimming pool liability protection
Customer service24/724/7 for claims, local agents’ hours varyOnline chat on website and mobile app
BBB rating**A+NRC

*Based on sample quotes we received on a 2,000-square-foot single-family house in Portland, Oregon

**Figures pulled from the companies’ Better Business Bureau (BBB) profiles as of May 26, 2021



Oregon Homeowners Insurance Coverage

Your Oregon homeowners insurance policy includes coverage for the following:

  • Dwelling coverage—If your home is impacted by a peril covered by your provider, such as a fire or windstorm, your dwelling coverage pays for the repair, replacement, or rebuilding of its structure. The limit for this type of coverage should be equal to or greater than the estimated value of your house. Although each of the providers in this review offers helpful home value estimation tools during the online quote process, speak with a professional appraiser to get the most accurate estimate and ensure you purchase the right amount of coverage.
  • Other structures coverage—This pays for repairing or rebuilding damaged or destroyed structures on your property that are separate from your home, such as a fence, detached garage, or shed. The limit for this coverage type is usually around 10% of your dwelling limit, but it should be customized based on how many external structures you have on your property. For instance, you may not need much coverage if you don’t have any external buildings on your property.
  • Personal property coverage—This coverage pays for lost, damaged, stolen, or vandalized personal belongings up to a certain amount, which is usually around 75% of your policy’s dwelling limit. For an addition to your premium, you can add replacement cost coverage, which pays for new replacements of your items, rather than reimbursing you for their depreciated value.
  • Loss of use coverage—This covers additional living expenses that may arise after a covered peril displaces you from your home. For instance, while your house is being rebuilt after a fire, your provider will pay for your hotel fees and meals before you can move back into your home.
  • Personal liability coverage—With coverage limits typically around $100,000–$300,000, this category provides insurance for costs associated with an accident or injury to someone on your property for which you’re responsible. This could include both medical costs and legal fees.
  • Medical payments to others coverage—With this coverage type, you can help pay for medical costs of others who were injured on your property—usually up to $1,000–$5,000. This category is separate from personal liability coverage because it’s specifically designed for injuries or accidents that weren’t the homeowner’s fault.



Factors To Consider Before Buying Homeowners Insurance

Think about the following factors before purchasing your home insurance in Oregon to ensure you get the coverage you need without overpaying:

  • Endorsements—Each company offers a handful of additional home insurance coverage options to help policyholders get the most out of their home insurance in Oregon. These are commonly referred to as add-ons, floaters, riders, or endorsements. For instance, if you have a pool, consider adding Lemonade’s swimming pool liability coverage for any accidents that could occur in or around the pool.
  • Discounts—One of the best ways to get the cheapest homeowners insurance is by bundling your policy with a car insurance policy. Allstate and State Farm both offer home and auto bundle options. However, home insurance providers also offer other discounts. For example, the providers in this review can lower your premium if you have fire safety features or home security systems installed on your property. You could also get a considerable discount from Allstate for signing up with its automatic payment plan.
  • Deductibles—When you file a claim after a covered peril, you’ll owe a deductible—which is set when signing up for the policy—before the provider starts to make payments. For example, if your deductible is $2,000 and you file a claim for $20,000 in repairs to your home after a storm, your provider will pay $18,000 after you pay the deductible amount. You can increase your deductible during sign-up to lower your premium, but keep in mind that this could result in excessive out-of-pocket spending during a claim.



FAQs About Homeowners Insurance in Oregon



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at

A.M. Best Disclaimer