Average homeowners insurance cost in Hillsboro, Oregon

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In Hillsboro, homeowners pay an average annual rate of $1,481 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $1,101 less than the national average of $2,582 .

Homeowners insurance premiums can vary significantly from one property to another. In Hillsboro, the cost of home insurance is influenced by several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

Nationwide is the cheapest homeowners insurance company in Hillsboro with an average annual premium of $857 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Hillsboro. Keep reading to learn about the monthly cost of homeowners insurance in Hillsboro, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Hillsboro.

Key Takeaways

In Hillsboro, homeowners insurance costs $1,481 annually.
Nationwide offers the most affordable homeowners insurance in Hillsboro with an average annual premium of $857 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $339 higher.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Hillsboro pay an average of $123 per month. It’s $22 less than the state average of $145 and $92 less than the national average for home insurance across the nation.

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

The average cost of homeowners insurance in Hillsboro, OR is $1,142 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

Hillsboro residents pay an average of $1,481 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $339 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Hillsboro by company

Among the carriers we analyzed, Nationwide is the cheapest homeowners insurance company in Hillsboro. Its average annual rate for Hillsboro homeowners is $857 , while American Family ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Hillsboro and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
Nationwide	$857
American Family	$951
State Farm	$1,138
Allstate	$1,204
Country Financial	$2,773
Farmers	$1,810
USAA*	$1,355

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Oregon that can impact your home insurance

Natural disasters are a part of life in Oregon, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Oregon is commonly affected by Landslide.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Hillsboro 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.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.