Homeowners
Dwelling, belongings, and liability coverage priced to the real cost of rebuilding your home.
Home / Home insurance
Home insurance for Portland and Oregon homeowners
Whether you own a 1920s bungalow in Ladd's Addition or rent a new apartment in the Pearl, we'll match you with a policy that rebuilds what you'd lose.
Home coverage we place
Protection for the place you live, the things inside it, and the properties you rent out.
Renters
Affordable protection for your belongings and liability, often for less than a dinner out each month.
Condo
Covers your unit's interior, upgrades, and personal property beyond your HOA's master policy.
Manufactured home
Coverage for manufactured and mobile homes on your own land or in a park, including attached structures and belongings.
Rental property
Coverage for single-family rentals, duplexes, and short-term rentals, including lost rent.
Earthquake and flood
Standard policies exclude both. In the Pacific Northwest, it's worth knowing your options.
Personal umbrella
Extra liability protection above your home and auto policies, starting at $1 million.
How getting a home quote works
Tell us about the home
Address, year built, square footage, and any updates to the roof or systems.
We estimate rebuild cost
So you're not underinsured if the worst happens.
Compare carriers
See coverage and price from several companies, side by side.
Bind and bundle
Start your policy and add auto for a multi-policy discount.
Home insurance questions
Don't see yours? Ask us directly.
Does homeowners insurance cover earthquakes in Oregon?
Not usually. Earthquake coverage is typically added as an endorsement or bought as a separate policy. We'll quote it alongside your home policy so you can decide.
How much home insurance do I need?
Enough to rebuild your home at today's construction costs, which is often different from its market value. We calculate that for you before quoting.
Can I switch home insurance mid-year?
Yes. Most carriers refund unused premium. If your mortgage company pays through escrow, we'll send them the new policy information.
Will bundling home and auto save money?
It often does, but not always. We quote both bundled and separate so you can see which is cheaper.
Do you insure older homes?
Yes. Older homes with updated roofs, wiring, and plumbing are easier to place. We know which carriers are friendly to Portland's historic housing stock.
Make sure your home is covered for what it would cost to rebuild
Get a free home insurance review from a local Portland agent.