Arends Insurance Agency Inc
55 E Powell Blvd, Gresham, OR 97030
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55 E Powell Blvd, Gresham, OR 97030
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995 NE Cleveland Ave, #B, Gresham, OR 97030
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1217 NE Burnside Rd, Ste 403, Gresham, OR 97030
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10746 NE Halsey St, Gresham, OR 97030
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55 E Powell Blvd, Gresham, OR 97030
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Learn about insurance coverage options specific to Gresham residents.
Discover Gresham, OR insurance requirements, average costs, and local agents. Learn about auto, home coverage, bundling discounts, and Oregon's unique rules.
Home InsuranceGresham homeowners pay $739/year on average for a $300K home. Learn about Johnson Creek flood zones, coverage options, and ways to save on your premium.
No, Oregon doesn't legally require homeowners insurance. However, if you have a mortgage—which most homeowners do—your lender will require it as a condition of your loan. Even if you own your home outright, insurance protects hundreds of thousands of dollars in equity from fire, theft, and liability claims. It's a small price to pay for that protection.
Gresham has higher auto theft rates than many Oregon cities—about 1 in 97 chance your vehicle will be stolen—which increases insurance costs. Additionally, Gresham's population density and traffic volume in the East Portland Metro area contribute to more frequent accidents. That said, rates are still reasonable compared to many other states, typically around $80-$100 per month for full coverage.
Most insurers offer 20-30% discounts when you bundle auto and home policies, which translates to $400-$600 in annual savings for typical Gresham residents. For example, if you're paying $1,200 for home insurance and $1,000 for auto separately ($2,200 total), bundling could reduce that to $1,600-$1,800. The savings are real and substantial.
Most Gresham residents don't need flood insurance unless they live in designated flood zones near Johnson Creek or other waterways. Standard homeowners policies don't cover flood damage, so if you're in a flood zone, you'll need a separate policy through the National Flood Insurance Program. Check FEMA's flood maps or ask your insurance agent to determine if your property is at risk.
Actual cash value pays what your possessions are worth today after depreciation—your five-year-old couch might only get you $200. Replacement cost coverage pays to buy new items at today's prices—that same couch would be replaced with a new one worth $800. Replacement cost costs about 10-15% more in premiums but provides significantly better protection when you file a claim.
Oregon sits in an earthquake zone, and standard homeowners policies don't cover earthquake damage. Whether you need it depends on your risk tolerance and financial situation. Earthquake insurance typically costs $800-$3,000 annually with high deductibles (10-25% of dwelling coverage). If a major earthquake would financially devastate you, consider the coverage. If you have significant savings and could rebuild without insurance, you might self-insure.
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