Midland Empire Insurance
527 Main Street, Klamath Falls, OR 97601
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527 Main Street, Klamath Falls, OR 97601
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6508 S 6th St, Klamath Falls, OR 97603
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2710 Washburn Way, # 4, Klamath Falls, OR 97603
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Learn about insurance coverage options specific to Klamath Falls residents.
Klamath Falls home insurance averages $369-$499/year. Learn about wildfire risks, geothermal coverage, and how to save on rates in Oregon's high desert.
General Insurance EducationComplete insurance guide for Klamath Falls, Oregon. Learn auto minimums, earthquake coverage, geothermal system protection, and business insurance options.
Car InsuranceKlamath Falls auto insurance guide: Oregon's 25/50/20 minimums, at-fault rules, winter driving risks on US-97, and coverage for Crater Lake gateway drivers.
Wildfire risk is the main driver. Since 2020, Oregon has experienced nearly $3 billion in wildfire insured losses, and Klamath County sits in a region where climate change is raising wildfire risks. Insurers are responding by raising premiums statewide, though Klamath Falls rates remain below the Oregon average. Additionally, rising construction costs mean it's more expensive to rebuild homes, which increases coverage costs.
Standard homeowners policies typically cover attached equipment like the indoor geothermal components, but you should specifically ask your insurer about coverage for the well itself and any specialized equipment. Some systems may require an equipment breakdown endorsement. On the positive side, geothermal heating can sometimes qualify for green home discounts, and it reduces fire risk compared to wood stoves or propane heating.
No. Oregon law now prohibits insurers from using state wildfire hazard maps alone to cancel policies, refuse renewals, or increase premiums. However, insurers can still assess your individual property's risk based on specific factors like defensible space, roofing materials, and proximity to wildlands. Taking mitigation steps can help protect your coverage and potentially lower your rates.
It depends on your specific location and elevation. Flood insurance isn't included in standard homeowners policies and requires a separate policy. If you're not in a FEMA-designated flood zone, your lender won't require it, but you should still evaluate your risk from spring snowmelt and heavy rains. Flood policies have a 30-day waiting period, so don't wait until fire season or spring thaw to purchase coverage.
Create defensible space by clearing vegetation 30-100 feet from your home, install Class A fire-resistant roofing, seal vents with metal mesh, and consider fire-resistant siding and decking. Document these improvements with photos and share them with your insurer. While Oregon is considering legislation to require insurers to factor in mitigation efforts, many insurers already offer discounts for these measures—and they strengthen your case for coverage in a tightening market.
Your dwelling coverage should be based on rebuild cost, not your home's $318,000 market value. Construction costs have risen significantly, so work with your agent to calculate accurate replacement cost coverage. Consider extended replacement cost coverage that pays 25-50% above your dwelling limit in case rebuild costs exceed expectations. Don't forget adequate personal property, liability (at least $300,000), and loss of use coverage.
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