Question 1

Do I really need earthquake insurance in Beaverton?

Accepted Answer

While it's not required, earthquake insurance is worth serious consideration in Beaverton. The area sits near multiple fault lines, and scientists estimate a 37% chance of a major earthquake in the next 50 years. Standard home insurance doesn't cover any earthquake damage, so without separate earthquake coverage, you'd be responsible for 100% of repair costs. For $200 to $300 per year, you can get coverage with a 10-15% deductible, which is far better than being completely unprotected.

Question 2

How much does home insurance cost in Beaverton?

Accepted Answer

Beaverton homeowners typically pay between $1,000 and $1,500 annually for home insurance, making it one of the most affordable areas in Oregon. This is significantly less than the national average of $2,423. However, actual costs vary based on your home's value, age, construction type, and the coverage limits you choose. Shopping around can save you up to $183, so it's worth getting quotes from multiple insurers.

Question 3

Does my home insurance cover water damage from Oregon's heavy rain?

Accepted Answer

It depends on the source of the water. Standard policies cover sudden, accidental water damage like burst pipes or roof leaks caused by storm damage. However, they don't cover flooding (rising water from outside) or gradual moisture damage from poor maintenance. In Beaverton's wet climate, it's smart to add water backup coverage for sewer and drain overflows, and consider separate flood insurance if you're in a flood-prone area.

Question 4

Will my insurance cover wildfire smoke damage even though Beaverton isn't in a fire zone?

Accepted Answer

Yes, standard homeowners insurance in Oregon covers smoke and ash damage from wildfires, even if the fire itself is miles away. This includes damage to your HVAC system, smoke staining on walls and belongings, and even additional living expenses if smoke forces you out of your home during professional cleaning. Given Oregon's increasingly severe wildfire seasons, this coverage has become more important even for metro-area homeowners.

Question 5

How often should I review my home insurance coverage?

Accepted Answer

You should review your coverage annually, especially in Beaverton's fluctuating housing market. Home values have been volatile, and construction costs have increased significantly in recent years. Make sure your dwelling coverage reflects current replacement costs, not just your home's market value. Also check that your personal property coverage is adequate—most people underestimate the value of their belongings until they actually need to replace everything.

Question 6

Can insurers cancel my policy because of wildfire risk in Oregon?

Accepted Answer

As of 2024, Oregon law prohibits insurers from using state-produced wildfire hazard maps to cancel, refuse to renew, or increase premiums on homeowners insurance policies. However, some insurers have stopped writing new policies in certain high-risk areas of central, southern, and eastern Oregon. Beaverton homeowners have been largely unaffected by these restrictions, but it's still important to maintain your existing coverage and avoid lapses in coverage that could make it harder to find affordable insurance.

Insurance Agents in Beaverton, Oregon (OR)

Insurance agencies serving Beaverton

ABC Agency Inc

Chen & Associates Insurance Agency 中融保险

Insurance Agents in Beaverton, Oregon (OR)

Insurance agencies serving Beaverton

ABC Agency Inc

Chen & Associates Insurance Agency 中融保险

Empire Insurance Brokers

Empire Insurance Brokers

Metro Insurance Group LLC

Northwest Community Insurance

Northwest Community Insurance

NW Preferred Insurance Group

NW Preferred Insurance Group

Pacific Insurance Services

Insurance Guides for Beaverton

Home Insurance in Beaverton

Auto Insurance in Beaverton

Car Insurance Costs in Beaverton

Beaverton Insurance Guide

Frequently asked questions