Oregon Insurance
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Oregon Insurance Coverage

Oregon Insurance

When shopping for Oregon insurance for your autos, home, business, belongings and life, it's important to understand the risks you and your family face and discuss them with your agent. It is your agent's job to find and present you with quotes that fit your lifestyle and budget. In the end, it's you who has to make the final decision on the type of Oregon insurance that will best meet your needs.

While you might only be looking for home or car insurance, it's important to understand what other types of Oregon insurance coverages are available. This way, at least you will be aware of the coverages that might be helpful in protecting your income and assets.

Types Of Oregon Insurance

Oregon insurance helps protect individuals, families & businesses from potential losses they couldn't afford to pay out of pocket and makes it possible to legally drive a car and get a mortgage to own a home without risking financial destruction (like if your house burnt down). Oregon lines insurance can be broken down into three main categories:

Oregon Life Insurance

Oregon Life Insurance

A OR life insurance policy is a contract with an insurance company. In exchange for your premium payments, the insurance company provides a one time payment, known as a death benefit, to beneficiaries upon the insured's death.

If anyone like your spouse, children or parents relies on your income, you should have Oregon life insurance. If no one would suffer financially if you passed, then you don't need life insurance. Following are some of the most common types of life insurance:


Oregon Life Insurance

Oregon Car Insurance

Oregon Car Insurance

If you cause an auto accident that injures someone or damages their property, Oregon car insurance can help pay for the other person's losses and/or damages. If you were found at fault, you can be held responsible for costs associated with the accident. These may include; legal fees, the hurt person's medical expenses or their lost income compensation. Without liability coverage (or adequate liability limits), you would likely have to pay these costs out of your own pocket.

Following are some of the most common OR auto insurance coverages:


Oregon Car Insurance

Oregon Homeowners Insurance

Oregon Homeowners Insurance

Homeowners insurance offers coverages that may help pay to repair or replace your home or belongings if they are damaged by certain perils, like fire, hail or theft. It can also help cover costs if someone who does not live with you is injured at your home. If you live on the coast see Oregon coastal homeowners insurance.

While there are many endorsements you can add on to your OR homeowners policy, following are some of the most common coverages:


Oregon Homeowners Insurance

Oregon Flood Insurance

Oregon Flood Insurance

Flood insurance covers physical damage to your property and belongings from flood-related losses. Homeowners insurance typically doesn't cover flooding - where groundwater rises up and floods your home. If you're in an area that has a high flood risk, you should have flood insurance. Your mortgage lender might require you to buy it if you're in a flood zone.

The National Flood Insurance Program (NFIP) recommends flood insurance because situations that cause flooding like; heavy rain, melting snow and severe coastal weather can happen all over. Flood insurance covers your home and your possessions inside, subject to certain limits.

Oregon Flood Insurance

Oregon Renters Insurance

Oregon Renters Insurance

Renters insurance is an affordable way to cover your belongings and protect yourself from if someone not living with you is injured while in your apartment.

Your landlord's insurance does not cover your belongings - that is on you. Your landlord insures the building but not your property inside. Following are some of the things renters insurance covers:



Oregon Renters Insurance

Oregon Condo Insurance

Oregon Condo Insurance

Condominium insurance insures your Oregon property and any parts of your unit that aren't covered by your HOA's insurance policy. Your condo association could have one of three types of policies: one that insures only the primary building and common areas; one that insures your building and any items in your unit other than Oregon property or one that insures the building, your unit, and any fixtures or improvements you make to your unit.

You will need to know which they have so you can purchase the right coverage. Following are some of the things OR condo insurance can cover:

Oregon Condo Insurance

Oregon Umbrella Insurance

Oregon Umbrella Insurance

Oregon umbrella insurance helps protect you from large liability claims and judgments. Umbrella provides excess liability coverage above the limits of your homeowners, auto, and boat insurance policies.

It kicks in when the liability on these other policies has been exhausted.

Common claims covered are bodily injury, property damage, and it can also provide coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.

Oregon Umbrella Insurance

Oregon Disability Insurance

Oregon Disability Insurance

Disability insurance offers coverage that can help pay your rent, loans, mortgage, and other expenses. Many people are surprised to learn that social security disability benefits are not available if you are expected to be out of work for less than a year.

If you are totally disabled due to sickness or injury & are unable to work, it can also help you from dipping into your retirement plan or education savings. While most people think that disabilities are caused by accidents, the majority of disability claims are due to an illness.

Experts agree that when insurance budgets are tight, it usually makes sense to buy enough disability insurance to cover mortgage or rent payments so you can remain in your home.

Oregon Disability Insurance

Oregon Long-Term Care Insurance

Oregon Long-Term Care Insurance

Long-term care insurance is coverage to help pay for the medical and other care of people with chronic illnesses, disabilities or other conditions that need care daily, for an extended period of time.

The type of help needed can range from assistance with simple activities, referred to as activities of daily living (ADLs), like as bathing, dressing and eating, to skilled care that's provided by nurses, doctors, therapists or other professionals.

There are many policy options to choose from and OR long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home.

Oregon Long-Term Care Insurance

Oregon Motorcycle Insurance

Oregon Motorcycle Insurance

There are different types of motorcycle insurance coverage options based on your needs, including collision, comprehensive, and bodily injury, along with replacement cost, rental reimbursement, roadside assistance, optional & special equipment coverage, and others.

There is also protection for different types of bikes from manufacturers such as Harley-Davidson, Honda, Indian, and more, and including models such as Cruisers, Touring, Dirt and Sport Bikes.

On some policies you can add coverage for most of the personal property you carry on your bike if it's damaged or stolen. This includes camping gear, clothing and even your cell phone.

Oregon Motorcycle Insurance

Oregon Snowmobile Insurance

Oregon Snowmobile Insurance

Snowmobiling is fun but risky winter sport. The speed of the machine, multi-use trails and sometimes compromised visibility can cause issues.

Additionally, snow on the ground can make it hard to see hazards such as rocks, wire fences, stumps and open water.

Snowmobile insurance covers; bodily injury to someone else or property damage that you accidentally caused, your injuries due to an accident with an uninsured snowmobiler and damage to your own snowmobile caused by an accident. It also covers fire, vandalism, and other losses even while your snowmobile is in storage.

Oregon Snowmobile Insurance

Oregon ATV Insurance

Oregon ATV Insurance

ATV insurance works like auto insurance in some ways. Because riding ATVs can be risky for the riders, passengers and others - ATV insurance is designed to help cover the costs associated with an accident or theft.

This coverage recover financially so that the cost of repairs, injuries and even lawsuits ae covered by the insurance company.

Many states require ATV insurance for vehicles operated on land owned by the State. Your homeowners policy might not cover your ATV if you ride it off your own property.

Oregon ATV Insurance

Oregon Boat Insurance

Oregon Boat Insurance

Boat insurance helps protect you against the risks of owning an operating a watercraft, its motor and trailer. Also OR boat insurance also offers liability protection for lawsuits and medical payments.

Common watercraft covered are; Sport Boats, Cruisers, Yachts, Sailboats, Bass Boats, Jet Skis, Houseboats, Kayaks & Canoes.

There are two main types of boat insurance coverage:

Oregon Boat Insurance

Oregon Jewelry & Valuables Insurance

Oregon Jewelry & Valuables Insurance

Most homeowners policies can limit coverage or coverage amounts based on the type of item and cause of loss.

Valuable items coverage can provide more for your valuable possessions in the event of covered loss from, for example, theft or fire.

Following are some items that can you can get 'floater' or increased amounts of coverage on, beyond the limits of your homeowners policy:

Oregon Jewelry & Valuables Insurance

Oregon Department of Insurance

Whether you are looking to purchase Oregon insurance or simply trying to understand the insurance you currently have, the OR Division of Financial Regulation can provide guidance and help you make the right decision for your situation. Questions about your health insurance? Get in a car wreck? Was your home damaged by fire? Or a neighbors tree? They have a dedicated team of consumer advocates who are there to help, free of charge. Read more at the Oregon Division of Financial Regulation.

The Oregon Department of Insurance can be reached at 1-888-877-4894 and their main office is located:

Insurance Terms & Definitions

For help on understanding insurance terms and definitions, you can also check out these glossaries:

OR Insurance Quotes

OR Insurance

Request a Oregon Insurance quote in Albany, Ashland, Baker City, Beaverton, Bend, Canby, Central Point, Coos Bay, Cornelius, Corvallis, Cottage Grove, Dallas, Damascus, Eugene, Forest Grove, Gladstone, Grants Pass, Gresham, Happy Valley, Hermiston, Hillsboro, Keizer, Klamath Falls, La Grande, Lake Oswego, Lebanon, McMinnville, Medford, Milwaukie, Monmouth, Newberg, Newport, North Bend, Ontario, Oregon City, Pendleton, Portland, Redmond, Roseburg, Salem, Sandy, Sherwood, Springfield, St. Helens, The Dalles, Tigard, Troutdale, Tualatin, West Linn, Wilsonville, Woodburn and all other cities in OR.

Insurance Regulations In Orgeon

Let's take a look at insurance in Oregon. There are definitely some state regulations that govern insurance in the state of Oregon. You should become familiar with what these regulations are, even if they do not necessarily apply to you.

You will be much better informed about insurance if you know what types of insurance businesses are required by law and what types they normally get regardless of law. You also may want to know the regulations governing personal insurance such as automobile insurance and life insurance. Let's take a closer look at OR insurance regulations.

Oregon Business Insurance

The first type of insurance that we will start with is business insurance. Specifically, we will be discussing general liability insurance. Commercial liability, sometimes called general liability, is a type of insurance that protects your business in case someone slips and falls on your floor or experiences roofing materials falling on their car that does damage. There are many other situations in which general liability insurance may kick in.

There are also some types of insurance that are mandated by law including Worker's Compensation insurance for any company that has one or more people working for them full-time or part-time.

Oregon does not have any laws stipulating that companies must carry disability insurance like in many states, but if there are vehicles being used for commercial purposes, then they must carry commercial auto insurance.

OR Personal Insurance

There are definitely some regulations that govern the auto insurance that normal motorists are required to carry on their vehicle. These are pretty standard across the states and match what is required in most. In Oregon, you are required to carry $25,000 per person for bodily injury and $50,000 per accident for the same. Property damage is a little higher than you will find in other states at $20,000 per accident and there is also an additional requirement that requires a personal injury protection amount of $15,000 per person.

Finally, there are regulations governing life insurance in Oregon as well. Unlike most states, there is no free look period for life insurance. However, there is the normal grace period Of 30 days when it comes to late payments. Lastly, insurance companies are required to make payment within 30 days of receiving notification of the death described in the policy. If they do not make payment within 30 days then the person that is the beneficiary of the policy may receive interest as well.


If you are looking for state specific insurance quotes, costs and information: California Insurance, Colorado Insurance, Delaware Insurance, Florida Insurance Illinois Insurance, Kentucky Insurance, New Jersey Insurance, New York Insurance, Oregon Insurance, Pennsylvania Insurance, Texas Insurance, Washington Insurance.

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