First Choice Health Insurance, Inc.
2000 W Harvard Ave, Ste 100, Roseburg, OR 97471
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Roseburg households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2000 W Harvard Ave, Ste 100, Roseburg, OR 97471
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428 NW Garden Valley Blvd, Roseburg, OR 97470
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1224 NE Walnut St, #243, Roseburg, OR 97470
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708 SE Mosher Ave, Roseburg, OR 97470
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1490 NW Valley View Dr, STE 300, Roseburg, OR 97471
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Learn about insurance coverage options specific to Roseburg residents.
Complete insurance guide for Roseburg: auto requirements, affordable home insurance, flood risk along South Umpqua River, and local Douglas County agents.
Car InsuranceLearn about Roseburg auto insurance requirements, rates, and coverage options. Oregon requires 25/50/20 liability plus PIP. Get informed today.
While not legally required outside high-risk areas, flood insurance is worth considering even for low-risk properties in Roseburg. FEMA reports that 25% of flood claims come from outside high-risk zones, and low-risk flood insurance typically costs less than $500 per year. Given Roseburg's location near the South Umpqua River and recent flooding events, it's relatively affordable protection against a potentially catastrophic loss.
Oregon requires 25/50/20 liability coverage ($25,000 per person/$50,000 per accident for bodily injury, $20,000 for property damage), $15,000 in personal injury protection (PIP), and 25/50 uninsured/underinsured motorist coverage. These minimums apply throughout Oregon, including Roseburg, but many residents choose higher limits for better protection.
Roseburg homeowners pay an average of $1,124 per year for home insurance, which is 68% less than the national average of $3,467. Your actual cost depends on your home's value, age, location within Douglas County, deductible choice, and coverage amount. Oregon ranks as one of the most affordable states for homeowners insurance.
Yes, properties inside Roseburg city limits qualify for a 15% discount on National Flood Insurance Program policies because the city maintains a Class 7 rating under FEMA's Community Rating System. This discount reflects Roseburg's proactive floodplain management efforts and can result in significant savings over the life of your policy.
Local Roseburg agents understand area-specific risks like flood zones along the South Umpqua River and wildfire concerns. Independent agents can shop multiple carriers for you, while online quotes offer convenience and may reveal competitive rates. The best approach is getting quotes from both local agents and online sources, then comparing coverage and price to find the best fit for your needs.
Standard homeowners insurance policies in Oregon do not cover earthquake damage—it requires a separate earthquake insurance policy or endorsement. While Oregon faces earthquake risk from the Cascadia Subduction Zone, earthquake insurance is optional and costs vary based on your home's construction, location, and chosen deductible.
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