Rental property insurance for Beaverton landlords

Beaverton is home to roughly 98,000 people in Washington County, and about 49% of its 41,156 occupied homes are rented rather than owner-occupied, above the Oregon rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.

Beaverton rental housing by the numbers

Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.

Dwelling limits for Beaverton landlords

The median owner-occupied home in Beaverton is valued at about $569,800, higher than the Oregon median of $477,600. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.

NAIC data for 2023 shows an average Oregon dwelling-fire premium of $1,193 in the $500,000–$599,999 coverage band, which brackets Beaverton's median value; across all coverage amounts the state average was $886. Treat it as background, since landlord pricing depends on the building and occupancy.

Fair rental value coverage for Beaverton units

The Census median gross rent for Beaverton, $1,826 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $21,912 per unit.

Building age and underwriting in Beaverton

Beaverton's median home dates to about 1987. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.

Single-family, small multi-unit, and apartments in Beaverton

Beaverton's housing is mixed: about 53% single-family, 9% in 2–4 unit buildings, and 38% in buildings of five or more units. Dwelling forms fit up to four units; larger buildings need commercial apartment coverage.

Beaverton versus other large Oregon communities

For comparison, Hillsboro comes in at 50% rented and $521,100 median value, with median rent of $1,978. In Tigard, 38% of occupied homes are rented and the median value is $610,500. Nearby Portland reports 48% renter households and a $581,500 median home value, so proportionally fewer renters than Beaverton. By renter share, Beaverton is number 4 on our list of 20 Oregon cities. Buildings with five or more units hold about 38% of Beaverton's homes; those generally need commercial apartment coverage rather than dwelling forms.

Beaverton weather exposures that affect landlord claims

For rentals in Beaverton, the hazards that most often shape Oregon landlord coverage include earthquake, excluded unless added by endorsement and heavy rain and water intrusion during winter storms. Ask how your policy handles each, and whether any separate deductible applies.

Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.

What to have ready for a Beaverton quote

• Desired liability limit and loss-of-rents amount
• Property location in Beaverton and unit count
• Year built and roof age
• Occupancy: long-term lease, month-to-month, short-term, or vacant
• Dates of wiring, plumbing, and HVAC upgrades
• Current insurer and any losses in five years
• Lender name for the mortgagee clause

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Beaverton landlord insurance questions

Other Oregon cities

• Hillsboro
• Tigard
• Portland
• Salem
• Eugene
• Gresham
• Bend
• Medford

Landlord insurance in Oregon · Cost by state

Last updated October 15, 2026. Sources and method: how we research.