Oregon Division of Financial Regulation: Homeowners Insurance Guide

This page from Oregon’s Division of Financial Regulation helps you understand homeowners insurance in clear, simple language. It explains what most policies cover—damage to your house and other buildings, belongings, liability for injuries, and extra living costs if your home is unlivable after a covered loss.

The site also lists common exclusions, like floods, earthquakes, landslides, and cannabis-related damage, and explains how to buy extra protection if you need it. You’ll find tips on shopping for coverage, including a tool to compare insurance companies and learn about rates.

It covers how insurers decide whether to offer a policy and what affects premiums, such as wildfire risk, construction costs, and other local factors.

You can download guides, use a home-inventory checklist, or learn how to file a complaint if you have problems with your insurer. The page also explains why coverage may be harder to get or more expensive in Oregon as natural disaster risks grow, and what steps you can take to be prepared.

This site is a trusted resource for anyone in Oregon looking for clear information on protecting their home with the right insurance.