Homeowners
Insured for what it costs to rebuild. Not what you paid.
Most underinsured homes in Lane County aren’t underinsured on purpose — the policy was written years ago and construction costs moved. We check that number.
Replacement cost, not market value
What your house would sell for and what it would cost to rebuild are different numbers. Only one of them matters after a fire.
Wildfire scoring is real here
Carriers score Oregon properties by brush proximity and access. Two houses on the same street can rate very differently — and some carriers are far more forgiving than others.
Wood and pellet stoves
A supplemental heat source changes who will write you. We know which carriers shrug at it and which decline outright.
Bundled with auto
Most of our clients save 20–25% pairing the two. If you’re buying home coverage, quote both.
Questions we get
Common questions about home insurance
Does home insurance cover wildfire?
Standard Oregon homeowners policies cover fire, including wildfire. What varies is whether a carrier will write your address at all, and at what price — that is a scoring question, not a coverage question.
Does it cover earthquake?
No. Earthquake is excluded from standard policies and has to be added separately. Worth a conversation given where we live.
What about flood?
Also excluded. Flood is written through the NFIP or a private flood carrier. If you’re near the Willamette or the McKenzie, ask us.
My rate jumped and nothing changed. Why?
Reconstruction costs and carrier loss experience both moved sharply in Oregon. That is precisely when re-shopping pays — the carrier that was cheapest three years ago often isn’t now.
Also worth quoting
Auto
Auto insurance for Eugene and the Willamette Valley, shopped across 100+ carriers.
Renters
Renters insurance for Eugene apartments, houses, and student rentals.
Life
Term and permanent life insurance through Core Insurance Group in Eugene, Oregon.
Boats, RVs & toys
Coverage for boats, RVs, motorcycles, ATVs, and trailers across Oregon — the coast, the dunes, and the McKenzie.
Get a quote in about a minute.
Answer a few questions and we’ll shop it across our carriers. A real person reviews every quote before anyone calls you.