Klinner Insurance, Inc.
738 E Perkins St, Medford, WI 54451
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738 E Perkins St, Medford, WI 54451
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Medford residents.
Medford home insurance averages $705-$1,910/year. Learn about flood risks near Mystic River, winter storm coverage, and historic home policies.
Home insurance premiums in Medford have doubled or quadrupled in recent years primarily due to wildfire risk in Southern Oregon. The region experiences dry summers and is surrounded by forested areas, creating significant fire exposure. While Oregon law requires insurers to include wildfire coverage and prohibits them from using risk maps to deny coverage, the actual claims history in fire-prone areas has driven up costs across the board.
Oregon requires $25,000 per person and $50,000 per accident for bodily injury liability, $20,000 for property damage, $15,000 in personal injury protection (PIP), and $25,000/$50,000 in uninsured motorist coverage. These minimums apply statewide, including in Medford. Additionally, vehicles 20 years old or newer in the Medford area must pass emissions testing.
Standard homeowners policies in Oregon exclude earthquake damage, so you'll need to purchase earthquake coverage as a separate endorsement. Medford sits near active fault lines and experiences seismic activity regularly. Given the Cascadia Subduction Zone threat to western Oregon and the fact that earthquake damage can be catastrophic, many insurance experts recommend adding this coverage, though it does increase your premium costs.
Oregon law provides significant protection: insurers cannot use wildfire risk maps as grounds for denying coverage, canceling policies, or refusing to renew. They must include wildfire coverage in homeowners policies. However, this doesn't guarantee affordable rates—premiums have increased substantially in fire-prone areas. Rural properties outside city limits may face more difficulty finding coverage, particularly with major carriers.
No, Oregon is an at-fault state, meaning the driver responsible for an accident pays for damages. However, Oregon has a unique hybrid system that requires personal injury protection (PIP) coverage—typically only mandatory in no-fault states. This means you get immediate coverage for medical expenses regardless of fault, while still retaining the right to pursue claims against at-fault drivers.
Bundle your auto and home policies for multi-policy discounts, install fire-resistant roofing and home security systems, maintain a clean driving record, and complete defensive driving courses if eligible. Create defensible space around your home to reduce wildfire risk. Shop your coverage annually since the insurance market in fire-prone areas changes frequently, and work with local agents who know which carriers are actively writing policies in Jackson County.
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