Homeowners Insurance for Oregon & Washington
Protect your home, your belongings, and your finances — with a local agent who understands Pacific Northwest risks like wildfire and earthquake.
A homeowners policy protects the structure of your home, the things inside it, and you personally if someone is injured on your property. It’s usually required by your mortgage — but the default policy a lender accepts isn’t always the coverage you actually want. We’ll make sure the important gaps are handled.
What Homeowners Insurance Covers
What’s Not Covered
Every policy has limits. Here’s what to plan for separately — we’ll help you handle each one.
Who Needs Homeowners Insurance
First-time homebuyers
Coverage isn’t automatic at closing — we’ll have your policy ready before your keys are.
Homeowners in wildfire zones
We’ll explain your options, including defensible-space credits and last-resort coverage.
Anyone who’s renovated
Upgrades raise your rebuild cost. We’ll make sure your dwelling limit kept up.
Coverage Options & Add-Ons
Build the policy around your real needs — not a one-size-fits-all package.
Earthquake endorsement
Adds coverage for quake damage that a standard policy excludes — important in Cascadia country.
Water backup
Covers damage from a sump-pump failure or sewer backup, which base policies limit.
Extended replacement cost
Pays above your dwelling limit if rebuild costs spike after a widespread event.
Scheduled personal property
Full coverage for jewelry, firearms, or collectibles beyond standard sub-limits.
Oregon & Washington Considerations
Earthquake & wildfire in the Pacific Northwest
Oregon and Washington both sit along the Cascadia Subduction Zone, and standard home policies exclude earthquake damage entirely — so if you want that protection, it has to be added on purpose. Wildfire is the other big regional exposure: Oregon requires standard homeowners insurers to include wildfire coverage, the Oregon FAIR Plan exists as a last resort for hard-to-insure high-hazard homes, and creating defensible space around your home can improve both insurability and price. We’ll walk you through what’s worth adding for your specific address rather than selling you everything.
What Affects Your Cost
Transparency up front — here’s what actually moves your premium.
Frequently Asked Questions
Does my homeowners policy cover earthquake damage?
No — earthquake is excluded from standard policies in both Oregon and Washington. We can add an earthquake endorsement so a Cascadia event doesn’t leave you exposed.
Is flood covered by home insurance?
No. Flood is always separate, typically through the National Flood Program (NFIP) or a private flood policy. If you’re near a river or in a low-lying area, ask us to price it.
What is the Oregon FAIR Plan?
It’s Oregon’s insurer of last resort — basic coverage for homes in high wildfire-hazard areas that standard carriers decline. We’ll only point you there if the regular market can’t write you.
Should my coverage equal my home’s market value?
No — it should equal the cost to rebuild, which can be higher or lower than market value. We’ll help you set an accurate dwelling limit so you’re not under- or over-insured.
Related Coverage
Ready for a free home quote?
A few quick questions and we’ll shop it across our carriers. No obligation, no pressure.