Average homeowners insurance cost in Eugene, OR

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In Eugene, homeowners pay an average annual rate of $1,531 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,051 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Eugene depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Eugene, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Eugene.

Key takeaways

Homeowners insurance costs $1,531 per year in Eugene.
At $871 per year, Nationwide offers the cheapest homeowners insurance in Eugene.
Your home insurance rates increase by $352 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Eugene per month

Residents of Eugene pay an average of $128 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $17 less than the state average of $145 and $87 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Eugene may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Eugene

The average cost of homeowners insurance in Eugene, OR is $1,179 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Eugene

According to Insure.com’s rate analysis, homeowners in Eugene typically pay an average of $1,531 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $352. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Eugene by Company

Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Eugene. It’s average annual rate for Eugene homeowners is $871. State Farm ranks second and American Family makes it to the third spot with an average annual home insurance rate of $1,267.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Eugene and prepared a list of the cheapest home insurance providers. You can find below the Eugene home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Nationwide	$871
American Family	$1,267
Allstate	$1,275
Farmers	$1,872
Country Financial	$2,688
State Farm	$1,147
USAA*	$1,378

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Eugene for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.