Homeowners Insurance

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Home coverage built around what it costs to rebuild in Oregon.

Older homes near downtown Silverton, newer builds out toward the hills, and everything in between. What matters is whether your policy would actually rebuild your house at today’s labor and material costs, not what you paid for it.

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The Basics

What a homeowners policy protects.

A homeowners policy covers the structure itself, your belongings, your liability if someone is hurt on your property, and the cost of living somewhere else while repairs happen.

The number that matters most is your dwelling limit. Construction costs in the Willamette Valley have moved considerably, and policies that were accurate five years ago are often well short today. We review replacement cost rather than rolling last year’s number forward.

  • Dwelling coverage set to real replacement cost
  • Personal property, with scheduling for high-value items
  • Personal liability and medical payments to others
  • Loss of use while your home is being repaired

Worth Asking About

  • • Water backup and sump failure
  • • Earthquake, which is excluded by default
  • • Flood, which needs a separate policy
  • • Ordinance or law coverage on older homes
What’s Included

Core protections under a homeowners policy

Dwelling Coverage

Rebuilds the structure of your home after a covered loss, up to your policy limit.

Other Structures

Covers detached garages, shops, fences and outbuildings on your property.

Personal Property

Covers your belongings. Jewelry, firearms and collections often need to be scheduled separately.

Personal Liability

Protects you if someone is injured on your property or you damage someone else’s.

Loss of Use

Pays for somewhere to stay while your home is uninhabitable after a covered loss.

Water Backup

Optional coverage for damage from a backed-up drain or failed sump pump.

Common Questions

Homeowners Insurance FAQs

Does homeowners insurance cover earthquakes?
No. Earthquake damage is excluded from a standard homeowners policy and needs a separate policy or endorsement. Given Oregon’s seismic risk, it is worth pricing out rather than assuming.
Does it cover flooding?
No. Flood requires a separate policy, typically through the National Flood Insurance Program or a private carrier. Water that comes up from the ground is flood; water that comes down through your roof is usually covered.
How much dwelling coverage do I need?
Enough to rebuild at current construction costs, which is a different number from market value or your purchase price. We run a replacement cost estimate rather than guessing.
My home is older. Does that matter?
It can. Older homes may need ordinance or law coverage, which pays the extra cost of rebuilding to current building code. Roof, wiring and plumbing age also affect which carriers will write you and at what price.

Let’s talk about your home insurance coverage.

Silverton-based advisors comparing multiple Oregon carriers.

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