Resources
Answers to common Oregon insurance questions.
Reference pages we keep current, with the actual state figures and a link to where they come from. If your question isn’t here, call 541-687-0884 — the good ones end up on this page.
Auto
What auto insurance does Oregon require?
Oregon requires four coverages on every registered vehicle: $25,000 per person and $50,000 per crash in bodily injury liability, $20,000 in property damage liability, $15,000 in personal injury protection, and uninsured motorist coverage at $25,000 per person and $50,000 per crash..
Read the answer →Is Oregon’s minimum auto insurance enough?
Usually not. Oregon’s minimum pays $25,000 toward one person’s injuries and $20,000 toward the property you damage.
Read the answer →Home
Why did my Oregon home insurance go up or get non-renewed?
Most likely wildfire scoring. Carriers rate Oregon homes using models built on surrounding vegetation, slope, and how easily fire equipment can reach you — and they have been retreating from higher-scoring areas.
Read the answer →Does a wood stove affect home insurance in Oregon?
Yes. A wood or pellet stove is a supplemental heat source, and carriers treat it as a meaningful fire exposure.
Read the answer →Business
Do I need workers’ comp insurance in Oregon?
If you have one or more subject workers, Oregon law makes you a subject employer and you must carry workers’ compensation coverage. Every worker in Oregon is a subject worker unless they fall under one of roughly 30 exceptions in state law.
Read the answer →How do I get a certificate of insurance?
Ask your agent — most certificates are issued the same day, often within the hour, once your policy is in force. A certificate is a one-page summary proving coverage exists.
Read the answer →The blog
Longer reads on Oregon coverage
Comparing rates, lowering premiums, denied claims, and what different policies actually pay.