Oregon
Landlord insurance in Oregon
Costs, coverage, and local rental data for Oregon property owners. A quote is not a binder.
Oregon has about 630,439 renter-occupied homes, 37% of all occupied housing. The median owner-occupied home is valued at $477,600 and median gross rent is $1,525 a month (ACS 2020–2024). This page covers what landlord insurance costs in Oregon, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Oregon
The NAIC's average dwelling-fire premium in Oregon was $886 in 2023, which ranks 3 of the ten states we serve (highest first). The Oregon HO-3 homeowners average was $1,003. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Oregon average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $594 |
| $150,000–$199,999 | $737 |
| $200,000–$224,999 | $747 |
| $225,000–$249,999 | $787 |
| $250,000–$274,999 | $803 |
| $275,000–$299,999 | $852 |
| $300,000–$324,999 | $871 |
| $325,000–$349,999 | $855 |
| $350,000–$399,999 | $971 |
| $400,000–$449,999 | $1,104 |
| $450,000–$499,999 | $1,315 |
| $500,000–$599,999 | $1,193 |
| $600,000–$699,999 | $1,059 |
| $700,000–$999,999 | $1,553 |
| $1,000,000 and over | $886 |
| All amounts (state average) | $886 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Oregon Division of Financial Regulation.
What moves your landlord quote in Oregon
- Weather exposure: ice storms and winter wind in the valleys; late-summer wildfire, especially in southern and eastern Oregon; earthquake, excluded unless added by endorsement; heavy rain and water intrusion during winter storms.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Oregon home was built in 1981; roof, wiring, plumbing, and heating updates matter.
- Building type: 7% of Oregon homes are in 2–4 unit buildings and 68% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Oregon rental markets
- Portland 48% renters · median value $581,500
- Salem 44% renters · median value $416,900
- Eugene 52% renters · median value $460,400
- Gresham 44% renters · median value $458,700
- Hillsboro 50% renters · median value $521,100
- Bend 38% renters · median value $718,400
- Beaverton 49% renters · median value $569,800
- Medford 44% renters · median value $417,100
- Corvallis 58% renters · median value $502,900
- Springfield 45% renters · median value $358,700
- Tigard 38% renters · median value $610,500
- Albany 41% renters · median value $389,200
- Lake Oswego 31% renters · median value $932,200
- Grants Pass 43% renters · median value $382,600
- Keizer 37% renters · median value $434,100
- Oregon City 35% renters · median value $555,800
- Redmond 36% renters · median value $462,500
- McMinnville 37% renters · median value $432,800
- Woodburn 36% renters · median value $331,800
- Happy Valley 21% renters · median value $725,300
Coverage guides for Oregon landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Oregon communities we serve
We accept quote requests for rentals anywhere in Oregon, including these communities, grouped by county.
Baker County: Baker City, Haines, Halfway, Huntington, Richland, Sumpter, Unity
Benton County: Adair Village, Monroe, Philomath
Clackamas County: Barlow, Canby, Estacada, Gladstone, Johnson City, Milwaukie, Molalla, Rivergrove, Sandy, West Linn, Wilsonville
Clatsop County: Astoria, Cannon Beach, Gearhart, Seaside, Warrenton
Columbia County: Clatskanie, Columbia City, Prescott, Rainier, Scappoose, St. Helens, Vernonia
Coos County: Bandon, Coos Bay, Coquille, Lakeside, Myrtle Point, North Bend, Powers
Crook County: Prineville
Curry County: Brookings, Gold Beach, Port Orford
Deschutes County: La Pine, Sisters
Douglas County: Canyonville, Drain, Elkton, Glendale, Myrtle Creek, Oakland, Reedsport, Riddle, Roseburg, Sutherlin, Winston, Yoncalla
Gilliam County: Arlington, Condon, Lonerock
Grant County: Canyon City, Dayville, Granite, John Day, Long Creek, Monument, Mount Vernon, Prairie City, Seneca
Harney County: Burns, Hines
Hood River County: Cascade Locks, Hood River
Jackson County: Ashland, Butte Falls, Central Point, Eagle Point, Gold Hill, Jacksonville, Phoenix, Rogue River, Shady Cove, Talent
Jefferson County: Culver, Madras, Metolius
Josephine County: Cave Junction
Klamath County: Bonanza, Chiloquin, Klamath Falls, Malin, Merrill
Lake County: Lakeview, Paisley
Lane County: Coburg, Cottage Grove, Creswell, Dunes City, Florence, Junction City, Lowell, Oakridge, Veneta, Westfir
Lincoln County: Depoe Bay, Lincoln City, Newport, Siletz, Toledo, Waldport, Yachats
Linn County: Brownsville, Halsey, Harrisburg, Lebanon, Lyons, Mill City, Millersburg, Scio, Sodaville, Sweet Home, Tangent, Waterloo
Malheur County: Adrian, Jordan Valley, Nyssa, Ontario, Vale
Marion County: Aumsville, Aurora, Detroit, Donald, Gates, Gervais, Hubbard, Idanha, Jefferson, Mount Angel, Scotts Mills, Silverton, St. Paul, Stayton, Sublimity, Turner
Morrow County: Boardman, Heppner, Ione, Irrigon, Lexington
Multnomah County: Fairview, Maywood Park, Troutdale, Wood Village
Polk County: Dallas, Falls City, Independence, Monmouth
Sherman County: Grass Valley, Moro, Rufus, Wasco
Tillamook County: Bay City, Garibaldi, Manzanita, Nehalem, Rockaway Beach, Tillamook, Wheeler
Umatilla County: Adams, Athena, Echo, Helix, Hermiston, Milton-Freewater, Pendleton, Pilot Rock, Stanfield, Ukiah, Umatilla, Weston
Union County: Cove, Elgin, Imbler, Island City, La Grande, North Powder, Summerville, Union
Wallowa County: Enterprise, Joseph, Lostine, Wallowa
Wasco County: Antelope, Dufur, Maupin, Mosier, Shaniko, The Dalles
Washington County: Banks, Cornelius, Durham, Forest Grove, Gaston, King City, North Plains, Sherwood, Tualatin
Wheeler County: Fossil, Mitchell, Spray
Yamhill County: Amity, Carlton, Dayton, Dundee, Lafayette, Newberg, Sheridan, Willamina, Yamhill
Oregon landlord insurance FAQ
Is landlord insurance required in Oregon?
No Oregon statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Oregon?
The NAIC reported a 2023 Oregon average dwelling-fire premium of $886, compared with $1,003 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Oregon?
The Oregon Division of Financial Regulation licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Oregon landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Oregon Division of Financial Regulation
Request a Oregon landlord quote
Last updated October 15, 2026. Sources and method: how we research.