Isham & Sprague INS
2730 NE Hwy 101, Lincoln City, OR 97367
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2730 NE Hwy 101, Lincoln City, OR 97367
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3202 NE Hwy 101, Lincoln City, OR 97367
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1330 SE 9th Street, Suite 3, Lincoln City, OR 97367
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Learn about insurance coverage options specific to Lincoln City residents.
Protect your Lincoln City oceanfront home with the right coverage. Learn about flood insurance, wind deductibles, and coastal risks in this complete guide.
Complete insurance guide for Lincoln City, OR. Learn about coastal home coverage, Oregon PIP requirements, Highway 101 driving risks, and costs for 2026.
Car InsuranceLincoln City drivers need 25/50/20 liability, $15K PIP, and uninsured motorist coverage. Learn about Oregon's requirements and coastal driving considerations.
Even if you're not in a designated flood zone, flood insurance is worth considering. About 20-25% of all flood claims come from properties outside high-risk zones. Lincoln City's proximity to both the Pacific Ocean and the Siletz River means flooding can occur in unexpected areas, especially during severe storms. Standard homeowners insurance doesn't cover flood damage regardless of where your property is located.
Coastal properties in Lincoln City typically pay more than Oregon's state average of $677-$1,124 annually due to wind exposure and proximity to water. The exact cost depends on your home's age, construction, distance from the ocean, coverage amounts, and deductibles. Flood insurance averages $645 per year for the 744 Lincoln City properties that carry it, though this varies based on your flood risk zone.
Many coastal policies include a separate wind deductible calculated as a percentage (typically 2-5%) of your dwelling coverage, not a flat dollar amount. On a $400,000 home, a 3% wind deductible means you pay the first $12,000 of wind damage out of pocket. This is separate from your standard deductible and applies specifically to wind-related claims, which are common in Lincoln City's coastal environment.
No, salt air corrosion is considered a maintenance issue rather than a covered peril. Insurance policies exclude damage from normal wear and tear or lack of maintenance. You're responsible for regularly inspecting and replacing corroded fixtures, fasteners, and plumbing components. If an adjuster determines that damage resulted from neglected maintenance rather than a sudden event, your claim can be denied.
Oregon offers the FAIR Plan as a last-resort option for properties that can't obtain coverage in the standard market. It provides actual cash value coverage up to $600,000 for dwellings. While more expensive and limited than standard policies, it ensures you have basic protection. Use it as a temporary solution while you address issues making your property difficult to insure, such as deferred maintenance or structural concerns.
While not required by most lenders, earthquake coverage deserves serious consideration. Lincoln City is in western Oregon near the Cascadia Subduction Zone, an area with significant seismic risk. Standard policies exclude earthquake damage, and a major event could cause catastrophic loss. The coverage is expensive, but consider whether you could afford to rebuild without it if a major earthquake struck.
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