Logsden, OR Homeowners Insurance Rate Quotes!

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Are you looking for affordable home insurance rates in Logsden, OR? Although price is a common factor for Logsden homeowners when it comes to looking for a new homeowners policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your homeowners insurance provides the protection you need for home related damages due to home fires, theft, loss or weather damage. Not a bad deal for only around $49 a month! Better coverage options doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may not realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Logsden home insurance agent help you today!

LocationPremiumPer MonthShop Rates
Logsden$590 /yr.$49 /mo.

Facts About Logsden, OR

There are 253 people that happily call the great city of Logsden home. Did you know, there are 110 housing units in town, making the average owner occupied household size roughly 3?

The average household income in Logsden is around $53,600. One more great fact about Logsden is the average cost of a house, which is $347,700 so housing is very affordable.

Average Logsden Home Insurance Rates

Logsden homeowners have the advantage of finding very affordable home insurance rates when you compare quotes from different companies. For a basis HO-3 homeowners insurance policy, you can find rates as low as $340 per year, this would cover a home around 1,500 square feet. Higher-end homes with much larger square footage size will cost more around $890 per year. Most of the time, your home insurance cost is due to the replacement cost value or dwelling coverage needed to rebuild your home.

You may not know that home insurance in Logsden comes in a variety of types. The following types are just a few of the specific homeowners insurance types that are available:

Logsden, OR Home Insurance Average Premiums

Local Logsden, OR home insurance quotes comparison

$340 /yr.

Shows Logsden's lowest average rates with discounts applied.

For the city of Logsden, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$340 /yr.
Average Coverage:$590 /yr.
2600 sq. ft. or higher
(all discounts applied)		$890 /yr.

What is the average home insurance cost for a home in Logsden, OR?

  • • The average homeowners insurance premium paid annually for a home in Logsden is around $590 per year.

What does it cost on average per month for home insurance in Logsden, OR?

  • • Homeowners in Logsden pay an average cost per month around $49.00 for insurance coverage.

Logsden, OR Coastal Wind, Hail & Flood Information

Logsden is located in 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.

Flood Zone Notice: The beautiful coastal city of Logsden is know for it's beautiful beaches and waterways. Because Lincoln County (FIPS: 41041) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Logsden, OR.

Logsden, OR - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $0 $0
February $0 $0
March $0 $0
April $522,905 $0

Homeowners insurance will help cover the cost to repair or replace your Logsden home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Logsden
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Logsden, OR homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Logsden, OR rates all in one place!

Saving Money Tips on Logsden Home Insurance

A great way to save money on Logsden homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Logsden area? Check out what homeowners are paying on average for Oregon homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
554 ft. This is the average home elevation in Logsden, OR

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Logsden, Oregon.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Logsden, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Lincoln County.

Oregon Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • 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 […]

  • 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 […]

  • 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 […]

  • 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 […]

Logsden, OR Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Logsden so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Logsden, OR?

- The average square footage in Logsden is around 1,573 Sq. Ft. which would cost you around $347,700 to replace the home if you base the home on the price to build per square foot of $221.

Minimum Replacement Cost Total: $347,700

Location: Logsden, Oregon (Lincoln County)

Average Building Cost Per Square Foot in Logsden: $221 (low end)

Average Square Footage in Logsden: 1,573 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$221$347,700
Some Additional Upgrades$276$434,625
Major Home Updates or Advancements$332$521,550

The dwelling coverage is calculated by the average cost per square foot ($221) in Logsden, Oregon times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $690,625 (Media price to build of $276 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.