Oregon Renters Insurance
Affordable renters insurance coverage for around $11 per month.[1]
Already have a policy? Call 800-640-2920 so we can help you.
Renters Insurance in Oregon
Oregon also known as the Beaver State is celebrated for its natural beauty — outdoor enthusiasts flock to its forests and beaches — and it features more waterfalls than any other state. There are so many pluses to living here you may be wondering if there’s a downside. If you call Oregon home, you’ll need to be prepared for snow and rain and the possibility of wildfires. But fear not — you can protect yourself and your belongings for around $11 a month when you purchase renters insurance from Wawanesa.[1]
See how affordable an Oregon renters insurance policy can be by getting a free quote.
What does renters insurance cover in Oregon?
A renters insurance policy in Oregon can cover your personal belongings from damage or theft, covers your liability (subject to policy limits) if a visitor is injured on the property and can help pay for additional living expenses if you’re temporarily displaced due to a covered loss. Some coverages are included in a basic policy at no additional cost, while extended coverage limits are available for certain higher end items. Renters insurance can financially protect what you own from damage or loss even if it occurs away from home.
Here’s what’s included with your basic renters insurance policy
Personal Property
A basic renters insurance policy covers your personal property up to policy limits. You may not think you own a lot, but you’d be surprised at the value of just some basic furniture and kitchen equipment. Then there’s your clothes, shoes and don’t forget about your electronics. Your pride and joy sound system, flat screen television, and all the rest. If you were the victim of a burglary, you may not be able to replace all these items without insurance. Your belongings would be covered even when you’re away from home. For example, if your bike is stolen while it’s chained up at work or your luggage goes missing after a flight.
Loss of Use
Renters insurance also covers expenses if you've been displaced by a covered incident and need a temporary place to stay. Your landlord's insurance policy doesn't cover any of those expenses — even if a pipe bursts or the electrical system causes a fire. Without renters insurance, you would have to pay for your own hotel accommodations and additional living expenses while the damage to your place was being fixed.
Personal Liability Protection
No one likes to think that a friend or family member will take them to court, but it’s best to be on the safe side with liability protection, which is included in an Oregon renters insurance policy. Say your sister brings her friend with her when she visits, and your dog accidently bites that friend in your home. If that friend is injured, they could file a lawsuit against you for those injuries. The policy will provide a defense and indemnification of any award that might be rendered (subject to policy limits). A renters insurance policy will also give you financial protection if you (or your pet) accidentally cause damage away from your residence.
Medical Payments to Others
The medical payments coverage in your Oregon renters insurance policy helps give you peace of mind. If a visitor in your home falls and gets injured, your renters insurance can help pay for any medical expenses incurred (up to the limits of the policy). Accidents and injuries do happen, no matter how careful we are. Keep in mind that this coverage does not cover you, the policyholder or regular residents of the household. (You would use your own health insurance coverage if you were injured.)
Optional Coverages
We also offer optional coverages that can customize your renters insurance policy such as earthquake coverage, increased limits on items of higher value, business pursuits, and more. Get a quote online or give us a call at 800-640-2920.
Why get renters insurance in Oregon?
If your place is damaged by fire or flooding, for example, your landlord’s insurance covers only the cost of repairing the building structure. You need renters insurance in Oregon to financially protect yourself in case of disaster or domestic mishaps.
Your personal belongings will be covered in the event of damage as a result of any of the following covered events, unless the loss is excluded by the policy:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism
- Theft
- Falling objects
- Freezing
- Weight of ice, snow, or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental tearing apart, cracking, burning or bulging
- Sudden and accidental damage from artificially generated electrical current
- Volcanic eruption
How much is renters insurance?
Oregon renters insurance quotes will vary depending on a variety of factors. Your premium could cost more or less depending on the type of coverage you buy, your location, and the value of your belongings. A typical renters insurance policy will run you around $11 a month.[1] As if that wasn’t low enough, you can receive discounts to lower your rates even more. You can see all available discounts when you get a quote or checkout what renters insurance discounts are available in Oregon.
Learn More About Renters Insurance
Oregon renters insurance protects more than you may realize. In addition to protecting l your personal belongings inside and outside your home, renters insurance protects you against liability from guest injuries, and temporary displacement after a covered incident. Find out about coverage needs, money-saving discounts, and how round-the-clock claim handling works.
Get an Oregon renters quote, for same day coverage or call one of our helpful agents at 800-640-2920.
Oregon Renters Insurance FAQs
Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Disclaimers
- Average premium cost of $11 per month in the state of Oregon, for a Wawanesa 12-month renters insurance policy of personal property liability limit of $15,000.↩
Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.