{"id":324432,"date":"2025-11-07T23:28:09","date_gmt":"2025-11-08T04:28:09","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=85671"},"modified":"2025-11-07T23:28:09","modified_gmt":"2025-11-08T04:28:09","slug":"best-in-oregon","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-oregon\/","title":{"rendered":"The Best Oregon Homeowners Insurance Company"},"content":{"rendered":"\n\n\n<p>Oregon homeowners continue to pay some of the<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> lowest home insurance rates<\/a> in the country, with a standard policy for about $250,000 in dwelling coverage averaging roughly $1,250\u2013$1,450 per year in 2025 (about $105\u2013$120 per month). That\u2019s still well below current national estimates around $1,900\u2013$2,100. Our top picks for Oregon homeowners insurance include some of the major insurers in the country: Allstate, American Family, Farmers, and State Farm.<\/p>\n\n\n\n<p>Besides affordable rates, the providers we\u2019ve chosen offer great discounts for first-time homebuyers, families purchasing new houses and seniors heading into retirement. Our favorite carriers also provide excellent standard coverages, along with optional coverages for added protection.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Oregon<\/h2>\n\n\n\n<ul><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Optional Coverage<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>: Best for Affordable Premiums<\/li><li><a href=\"#farmers\" rel=\"nofollow\" class=\"achor-toggles\">Farmers<\/a>: Best for Multi-Tier Coverage Packages<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best for Exceptional Customer Support <\/li><\/ul>\n\n\n\t\t\n<section id=\"block_61e07c8794a39\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare Oregon\u2019s Top Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power Overall Customer Satisfaction<\/a>**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_61e07c8794a39-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,039<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61e07c8794a39-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$535<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61e07c8794a39-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$954<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>813\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61e07c8794a39-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$821<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*Benchmarks reflect recent 2025 Oregon averages for roughly $250,000 in dwelling coverage from consumer quote studies; actual premiums vary by location, home features, and deductible.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2024 U.S. Home Insurance Study<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Allstate\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n\n<p>Allstate also offers exceptional selection of<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.allstate.com\/home-insurance\/homeowners-discounts.aspx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> discounts<\/a>, including loyalty and early-signing savings where available, potential premium reductions for retirees and folks over 55, and numerous optional coverages for more robust protection.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a variety of policy options, and extensive discount opportunities. Compared to other providers, Allstate has also received above-average customer satisfaction scores.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,039*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a variety of policy options, and extensive discount opportunities. Compared to other providers, Allstate has also received above-average customer satisfaction scores.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Above-average customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>High rate of complaints on NAIC complaint index<\/li>\n                                    <li>Financial strength ratings good, but not great<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hail-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s discount list is longer than most national insurers. You could<\/span><a href=\"https:\/\/www.allstate.com\/home-insurance\/homeowners-discounts.aspx\"> <span style=\"font-weight: 400;\">save up to 10%<\/span><\/a><span style=\"font-weight: 400;\"> on your premiums if you sign up for your new policy at least 7 days before the current one expires.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on Allstate:<\/strong><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate renters insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/auto\/allstate-review\/\">Allstate auto insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"American Family\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">American Family<\/h3>\n\n\n\n<p>American Family is often among the more affordable options in recent Oregon quote studies. You can also add optional coverages can help maximize your protection. For example, American Family\u2019s optional equipment breakdown coverage can save you a bundle when computers, electrical systems, and heating and cooling systems fail. <\/p>\n\n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable Premiums<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family\u2019s average premium is far less than the state average and is the lowest of the carriers on our list.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$535*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family\u2019s average premium is far less than the state average and is the lowest of the carriers on our list.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Useful digital tools<\/li>\n                            <li>Extensive coverage options<\/li>\n                            <li>Plenty of advertised discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Subpar customer service<\/li>\n                                    <li>Limited availability<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.amfam.com\/insurance\/home\/discounts\"><span style=\"font-weight: 400;\">Up to a 29% discount<\/span><\/a><span style=\"font-weight: 400;\"> when bundling auto and homeowners policies<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renovated home discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Most major home insurance carriers offer optional coverage, but American Family provides options that some insurers don\u2019t offer. For example,<\/span><a href=\"https:\/\/www.amfam.com\/insurance\/home\/coverages\"> <span style=\"font-weight: 400;\">equipment breakdown coverage<\/span><\/a><span style=\"font-weight: 400;\"> can help pay to replace electrical and mechanical home systems. American Family\u2019s matching siding protection pays up to $20,000 to replace undamaged siding when other sections of siding need replacing due to a covered loss.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on American Family:<\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\">American Family Home Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"farmers\" title=\"Farmers\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Farmers<\/h3>\n\n\n\n<p>Typically, home insurance companies offer similar standard homeowners policies and allow customers to add endorsements or riders for greater protection. Farmers simplifies the process by offering<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.farmers.com\" target=\"_blank\"> three levels of protection<\/a>, for budget-minded first-time homebuyers, homeowners who need higher coverage limits, and long-time homeowners looking for dwelling and personal property replacement cost coverages. <\/p>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Multi-Tier Coverage Packages<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers an unusual quoting system that features three tiers of service. Within those three tiers, you can further customize your policy if you have, say, expensive electronics or jewelry to cover.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$954*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">813**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers an unusual quoting system that features three tiers of service. Within those three tiers, you can further customize your policy if you have, say, expensive electronics or jewelry to cover.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Three tiers of coverage<\/li>\n                            <li>Bundling discounts<\/li>\n                            <li>Identity theft coverage available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not many discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.farmers.com\/home\/homeowners\/discounts\/\"><span style=\"font-weight: 400;\">Nonsmokers discount<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple policies discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Professional group member discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Farmers\u2019<\/span><a href=\"https:\/\/www.farmers.com\/home\/\"> <span style=\"font-weight: 400;\">three tiers<\/span><\/a><span style=\"font-weight: 400;\"> \u2014 standard, enhanced, and premier \u2014 let you pick the best coverage based on cost and coverages. The highest level, premier, includes replacement cost coverage with 100% reimbursement regardless of policy limits.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Farmers:<\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\">Farmers Homeowners Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">State Farm<\/h3>\n\n\n\n<p>State Farm backs its homeowners policies with sound financial ratings and excellent customer support. Unlike some carriers, State Farm continues to operate local offices, enabling you to work with a dedicated agent when you need to file a claim, buy another policy, or simply ask a few questions about your current coverage. <\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Exceptional Customer Support<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$821*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially strong<\/li>\n                            <li>19,000+ agents nationally<\/li>\n                            <li>Informative blog<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited discounts<\/li>\n                                    <li>Higher premiums<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.statefarm.com\/insurance\/home-and-property\/homeowners\/discounts\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">State Farm\u2019s<\/span><\/a><span style=\"font-weight: 400;\"> comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company\u2019s app.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on State Farm:<\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li><\/ul>\n\n\n\n<p><em>*Benchmarks reflect recent 2025 Oregon averages for roughly $250,000 in dwelling coverage from consumer quote studies; actual premiums vary by location, home features, and deductible.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2024 Home Insurance Customer Satisfaction Study, based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Oregon Homeowners Insurance Guide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Oregon<\/h2>\n\n\n\n<p>Recent 2025 consumer rate studies indicate Oregon homeowners pay about $1,250\u2013$1,450 per year on average for a standard policy with roughly $250,000 in dwelling coverage, depending on city, wildfire exposure, home characteristics, and deductible. That remains materially below current national averages around $1,900\u2013$2,100, keeping Oregon relatively affordable. Premiums have risen year over year due to wildfire risk, higher reinsurance costs, and elevated construction prices, though increases have generally been milder than in the most stressed states.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You<\/h2>\n\n\n\n<p>Although California and Washington often experience moderate to severe seismic activity, Oregon faces significant earthquake risk from the Cascadia Subduction Zone, and the United States Geological Survey\u2019s<a href=\"https:\/\/www.usgs.gov\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"> updated hazard model<\/a> indicates high shaking potential across much of western Oregon. Nonetheless, some Oregon homeowners may want to consider purchasing earthquake insurance, particularly those living in northwest Oregon, near<a href=\"https:\/\/www.usgs.gov\/volcanoes\/mount-st-helens\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"> Mount St. Helens<\/a>, one of the most seismically active volcanoes in the Cascades.<\/p>\n\n\n\n<p>In the past century, Oregon has experienced several catastrophic floods, including the<a href=\"https:\/\/www.weather.gov\/safety\/flood-states-or\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"> 1996 flood<\/a>, which caused major damage along the Tualatin and Willamette Rivers. Typically, standard home insurance policies don\u2019t cover flood damage to your home\u2019s structure or your personal belongings. Flood coverage is available through the National Flood Insurance Program and a growing private market. If you have a federally related mortgage on a home in a Special Flood Hazard Area, your lender will require flood insurance; otherwise, consider it based on your risk. Note that NFIP policies generally have a 30-day waiting period and use Risk Rating 2.0, which prices coverage based on property-specific risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Oregon<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Homeowner Insurance Companies<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$317<\/td><\/tr><tr><td>Capital<\/td><td>$382<\/td><\/tr><tr><td>Travelers<\/td><td>$448<\/td><\/tr><tr><td>Grange<\/td><td>$512<\/td><\/tr><tr><td>American Family<\/td><td>$535<\/td><\/tr><tr><td>Oregon Mutual<\/td><td>$597<\/td><\/tr><tr><td>USAA<\/td><td>$683<\/td><\/tr><tr><td>State Farm<\/td><td>$821<\/td><\/tr><tr><td>Farmers<\/td><td>$954<\/td><\/tr><tr><td>Allstate<\/td><td>$1,039<\/td><\/tr><tr><td>Country Financial<\/td><td>$1,478<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Company averages change frequently; use these figures as historical examples only. Current statewide averages for roughly $250,000 in dwelling coverage are about $1,250\u2013$1,450 per year (2025).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Oregon&nbsp;<\/h2>\n\n\n\n<ul><li><strong>Mutual of Enumclaw \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><li><strong>Capital \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><li><strong>Travelers \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Oregon<\/h2>\n\n\n\n<ul><li><strong>Country Financial \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><li><strong>Allstate \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><li><strong>Farmers \u2013<\/strong> varies by ZIP code and risk; get current quotes<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Oregon Homeowners<\/h2>\n\n\n\n<p>First-time homeowners can learn the basics of home insurance by reading<a href=\"https:\/\/dfr.oregon.gov\/insure\/home\/Pages\/index.aspx\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"> A Consumer\u2019s Guide to Home Insurance<\/a>, published by the National Association of Insurance Commissioners and downloadable at the Oregon Division of Financial Regulation website. The guide explores topics such as coverages, deductibles, and claims processes, and offers insurance shopping tips.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/appsprod.hcs.oregon.gov\/lenders\/lenderlocator.jsp\" target=\"_blank\">Oregon Housing and Community Services<\/a> provides numerous homeowner resources, including a<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.oregon.gov\/ohcs\/homeownership\/pages\/homebuyer-education.aspx\" target=\"_blank\"> homebuyer education guide<\/a>,<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.oregon.gov\/ohcs\/homeownership\/pages\/housing-counseling.aspx\" target=\"_blank\"> homeownership counseling<\/a>, and an<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/appsprod.hcs.oregon.gov\/lenders\/lenderlocator.jsp\" target=\"_blank\"> online tool<\/a> to help first-time homebuyers find a lender.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ<\/h2>\n\n\n<div id=\"block_5ea1f4d259609\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Oregon?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Oregon law doesn\u2019t require you to purchase homeowners insurance, but if you finance your house, <\/span><span style=\"font-weight: 400;\">your lender will<\/span><span style=\"font-weight: 400;\">. Buying home insurance makes good financial sense. If you don\u2019t carry a homeowners policy, you\u2019ll have to foot the bill for replacing your house and its furnishings if you suffer a total loss.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5ea1f4f15960a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Oregon?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t a single &#8220;cheapest&#8221; company for every homeowner. In 2025, statewide averages for a standard policy with roughly $250,000 in dwelling coverage run about $1,250\u2013$1,450 per year, but the lowest price for you will depend on your city, wildfire exposure, home features, and deductible. <\/span><span style=\"font-weight: 400;\">Compare multiple quotes and weigh financial strength, coverage options, and service history in addition to price.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5ea1f5085960b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does home insurance cover wildfires?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Typically, standard homeowners policies<\/span><a href=\"https:\/\/www.iii.org\/article\/insurance-for-wildfires\"> <span style=\"font-weight: 400;\">cover wildfire damage<\/span><\/a><span style=\"font-weight: 400;\">. Study the terms of your policy carefully and look for exclusions that may exclude paying claims caused by certain types of fire damage. If you live in an area at risk of wildfires, review your policy to make sure you have adequate coverage to rebuild your home and replace your personal belongings following a total loss.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"Methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.<\/li><li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li><li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best\u2019s ratings, which specializes in assessing the financial strength of insurance companies.<\/li><li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li><\/ul>\n\n\n\n<p>Rates are based on recent 2025 statewide averages from consumer quote studies and are intended for comparison only. Your quotes will vary by location, dwelling characteristics, coverage limits, discounts, and deductible.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Oregon homeowners continue to pay some of the lowest home insurance rates in the country, with a standard policy for about $250,000 in dwelling coverage averaging roughly $1,250\u2013$1,450 per year in 2025 (about $105\u2013$120 per month). That\u2019s still well below current national estimates around $1,900\u2013$2,100. Our top picks for Oregon homeowners insurance include some of [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354481,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Oregon Homeowners Insurance Company - Reviews.com<\/title>\n<meta name=\"description\" content=\"Our picks all have strong ratings with both A.M. Best and J.D. 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