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Josephine County, OR Homeowners Insurance Quotes
Josephine County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Oregon homeowners policy.
Josephine County Coastal Home Insurance
Because Josephine County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Josephine County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Josephine County.
Basic Coverage Protection and Rates
For a basic standard homeowners policy in Josephine County also referred to as an HO-3 policy, you are looking at paying around $61.25 per month. Most homeowners pay annually for home insurance which is estimated to be around $735 per year. Josephine County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Oregon enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Josephine County homeowners policy for you.
For all Josephine County, OR residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
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Are you looking for a homeowners insurance quote in Josephine County? Simply enter your zip code to get your Oregon homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Josephine County, OR Housing Demographics
With 82,713 residents living within the Josephine County area there are over 38,001 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 22,498 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Josephine County.
Demographic | Values |
---|---|
Total Occupied Households | 34,646 |
Family Households (families) | 22,498 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 38,001 |
Josephine County, OR Coastal Wind, Hail & Flood Information
For all homeowners living in Josephine County (FIPS: 41033), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Oregon is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Josephine County, OR, it's important that you look into hurricane and windstorm insurance options.
Josephine County, OR Home Insurance Average Premiums
For the state of Oregon, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 51 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $439 /yr. |
Current Average Cost: | $583 /yr. |
Maximum Range: | $735 /yr. |
Josephine County, OR Coastal Wind, Hail & Flood Information
Josephine is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Oregon Homeowners Insurance News & Information
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]
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Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024
Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]
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What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024
As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic. Following is a brief overview of what to do […]
Discounts For Homeowners in Josephine County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Oregon homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Josephine County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Josephine County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Josephine County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Josephine County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 38001 |
Occupied Housing Units | 34646 |
Vacant Housing Units | 3355 |
Vacant Housing Units for Rent | 846 |
Vacant Housing Units Rented Not Occupied | 45 |
Vacant Housing Units For Sale | 579 |
Vacant Housing Units Sold Not Occupied | 133 |
Vacant Housing Units For Seasonal Occasional Use | 669 |
Vacant Housing Units All Other Vacants | 1083 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 7 |
Housing Tenure Occupied Units | 34646 |
Housing Tenure Occupied Units Owner Occupied | 23112 |
Housing Tenure Occupied Units Owner Occupied Population | 53808 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 11534 |
Housing Tenure Occupied Units Renter Occupied Population | 27304 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |