Oregon Home Insurance Quotes
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Oregon Home Insurance Policies
When buying homeowner’s insurance in Oregon, there are four levels of coverage that you must consider. These are sections A-D on your policy.
- Section A - Includes protection for your house, any attached structures, inside fixtures and built-in appliances.
- Section B - Includes coverage for detached structures like garages, as well as fences and patios.
- Section C - Includes coverage for your personal property - essentially the contents of your home. Be aware that there may be limits on coverage for firearms, artwork, jewelry, electronic data, business property and money. Your auto will also not be covered by your homeowner’s insurance.
- Section D - Includes a provision for living expenses if you cannot live in your home while it is being repaired, or if you are denied access by government order.
When you choose your Oregon homeowner’s insurance policy, you will decide what limits you want for each of these sections. Keep in mind that it is always important to take into consideration the replacement value of your home and possessions, rather than the cash value.
In Oregon, you may also purchase renters insurance, which covers your personal possessions and liability. Condominium, townhouse and mobile home owners can purchase types of homeowner’s insurance similar to the standard homeowner’s policy.
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