Focus1 Insurance Group
431 NW Franklin Ave, Suite 200, Bend, OR 97703
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431 NW Franklin Ave, Suite 200, Bend, OR 97703
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796 SW Bradbury Way, Ste 102, Bend, OR 97702
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320 SW Upper Terrace Dr, Suite 102, Bend, OR 97702
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2248 NE Division St, Bend, OR 97703
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20980 Sunset Place, Bend, OR 97703
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1900 NE 3rd St, Ste 106, Bend, OR 97701
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Learn about insurance coverage options specific to Bend residents.
Bend drivers save 19% on car insurance, but wildfire risk has doubled home insurance costs. Get the complete guide to auto, home, and property coverage.
Home InsuranceWildfire risk is driving Bend home insurance premiums up dramatically. Learn what coverage costs, how to lower rates, and what to do if you're denied.
Car InsuranceBend drivers pay $1,898/year for full coverage. Learn Oregon's 25/50/20 requirements, Highway 97 risks, and why higher limits matter in Central Oregon.
Home insurance costs in Bend have surged primarily due to wildfire risk. Central Oregon's dry climate, dense forests, and increasing summer temperatures have made the region high-risk for wildfires. Insurance companies have responded by raising premiums, with many policies doubling or tripling in recent years. Deschutes County ranks among Oregon's top three counties for wildfire hazard, which directly impacts insurance availability and pricing.
Oregon requires 25/50/20 liability coverage, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. You also need $15,000 in personal injury protection (PIP) and $25,000 in uninsured motorist coverage. These requirements remained unchanged in 2025, and Bend drivers actually pay the lowest rates in Oregon for minimum coverage at around $587 annually.
If your policy was canceled, contact the Oregon Fair Plan Association, which serves as a last-resort insurer for homeowners who can't get coverage in the standard market. Also request a free defensible space assessment from the Oregon State Fire Marshal—making their recommended improvements can help you qualify for coverage again. Work with a local Bend insurance agent who knows which companies are still writing policies in high-risk areas.
Bundling your home and auto insurance typically saves 15-25% on your premiums in Bend. Given that home insurance has become quite expensive due to wildfire risk, this discount can mean savings of several hundred to over a thousand dollars annually. Most of Bend's local insurance agencies offer bundling options, and it also simplifies your insurance management by having one agent handle both policies.
While Bend isn't typically considered high-risk for flooding compared to coastal areas, properties near the Deschutes River or in low-lying areas may benefit from flood insurance. Standard home insurance policies don't cover flood damage. Check FEMA's flood maps for your specific property and consider the cost versus risk, especially since climate patterns are changing. Flood insurance through the National Flood Insurance Program is relatively affordable in lower-risk zones.
Umbrella insurance is worth considering in Bend, especially given the active outdoor lifestyle that increases injury risk. For $200-400 annually, you get $1 million in additional liability coverage beyond your auto and home policies. This is particularly valuable if you have significant assets to protect, own recreational vehicles, or regularly host guests at your home. It provides crucial financial protection if you're found liable for injuries or damages that exceed your standard policy limits.
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