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Oregon Home Insurance
Oregon home insurance has many different policies to choose from—two are popular for single family home dwellings. The basic policy, called the HO-2 policy, offers protection from the following perils: fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broad HO-3 policy offers homeowners bodily injury liability protection for their property. When you purchase a home with a mortgage, the lenders usually require that you carry Oregon home insurance for the duration of the loan.
Oregon Home Insurance Coverage
The varied geography of Oregon can cause the rates to increase in certain areas. The threat of landslides, fires, flooding, thunderstorms, heavy winds, and hail can drive rates up in certain counties. If you run a risk of your home flooding, then you will need to purchase additional flood insurance to cover any damages. Oregon home insurance does not cover flood damages or the damages caused by earthquakes and mudslides/landslides. Homeowners should review the “exclusions” section of their policy to see what will not be covered by their Oregon homeowners insurance.
Oregon Home Insurance Rates
Oregon home insurance rates fell below the national average in 2003. The average cost for Oregon home insurance was $461 in 2003, which was a 29.5% increase from 2001. If you live in a hilly area and have experience a lot of rain, then you may consider purchasing additional earthquake, mudslide, and landslide insurance. The majority of Oregon home insurance policies do not cover mudslides or earthquakes. This additional coverage will sometimes drive the rates of Oregon home insurance over the 2003 national average.
When you purchase your home insurance, you can receive discounts from many insurance providers. Insurance companies hand out discounts when you add storm shutters, reinforce your roof, and use stronger roofing materials on your home. Insurance companies also give discounts when you purchase more than one policy with them. Every homeowner can find savings by simply shopping around before buying Oregon home insurance.
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