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Oregon Renters Insurance

Affordable renters insurance coverage for around $11 per month.[1]

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Renters Insurance in Oregon

Oregon also known as the Beaver State is celebrated for its natural beauty — outdoor enthusiasts flock to its forests and beaches — and it features more waterfalls than any other state. There are so many pluses to living here you may be wondering if there’s a downside. If you call Oregon home, you’ll need to be prepared for snow and rain and the possibility of wildfires. But fear not — you can protect yourself and your belongings for around $11 a month when you purchase renters insurance from Wawanesa.[1]

See how affordable an Oregon renters insurance policy can be by getting a free quote.

What does renters insurance cover in Oregon?

A renters insurance policy in Oregon can cover your personal belongings from damage or theft, covers your liability (subject to policy limits) if a visitor is injured on the property and can help pay for additional living expenses if you’re temporarily displaced due to a covered loss. Some coverages are included in a basic policy at no additional cost, while extended coverage limits are available for certain higher end items. Renters insurance can financially protect what you own from damage or loss even if it occurs away from home.

Here’s what’s included with your basic renters insurance policy

Personal Property

A basic renters insurance policy covers your personal property up to policy limits. You may not think you own a lot, but you’d be surprised at the value of just some basic furniture and kitchen equipment. Then there’s your clothes, shoes and don’t forget about your electronics. Your pride and joy sound system, flat screen television, and all the rest. If you were the victim of a burglary, you may not be able to replace all these items without insurance. Your belongings would be covered even when you’re away from home. For example, if your bike is stolen while it’s chained up at work or your luggage goes missing after a flight.

Loss of Use

Renters insurance also covers expenses if you've been displaced by a covered incident and need a temporary place to stay. Your landlord's insurance policy doesn't cover any of those expenses — even if a pipe bursts or the electrical system causes a fire. Without renters insurance, you would have to pay for your own hotel accommodations and additional living expenses while the damage to your place was being fixed.

Personal Liability Protection

No one likes to think that a friend or family member will take them to court, but it’s best to be on the safe side with liability protection, which is included in an Oregon renters insurance policy. Say your sister brings her friend with her when she visits, and your dog accidently bites that friend in your home. If that friend is injured, they could file a lawsuit against you for those injuries. The policy will provide a defense and indemnification of any award that might be rendered (subject to policy limits). A renters insurance policy will also give you financial protection if you (or your pet) accidentally cause damage away from your residence.

Medical Payments to Others

The medical payments coverage in your Oregon renters insurance policy helps give you peace of mind. If a visitor in your home falls and gets injured, your renters insurance can help pay for any medical expenses incurred (up to the limits of the policy). Accidents and injuries do happen, no matter how careful we are. Keep in mind that this coverage does not cover you, the policyholder or regular residents of the household. (You would use your own health insurance coverage if you were injured.)

Optional Coverages

We also offer optional coverages that can customize your renters insurance policy such as earthquake coverage, increased limits on items of higher value, business pursuits, and more. Get a quote online or give us a call at 800-640-2920.

Why get renters insurance in Oregon?

If your place is damaged by fire or flooding, for example, your landlord’s insurance covers only the cost of repairing the building structure. You need renters insurance in Oregon to financially protect yourself in case of disaster or domestic mishaps.

Your personal belongings will be covered in the event of damage as a result of any of the following covered events, unless the loss is excluded by the policy:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Falling objects
  • Freezing
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Sudden and accidental damage from artificially generated electrical current
  • Volcanic eruption

How much is renters insurance?

Oregon renters insurance quotes will vary depending on a variety of factors. Your premium could cost more or less depending on the type of coverage you buy, your location, and the value of your belongings. A typical renters insurance policy will run you around $11 a month.[1] As if that wasn’t low enough, you can receive discounts to lower your rates even more. You can see all available discounts when you get a quote or checkout what renters insurance discounts are available in Oregon.

Learn More About Renters Insurance

Oregon renters insurance protects more than you may realize. In addition to protecting l your personal belongings inside and outside your home, renters insurance protects you against liability from guest injuries, and temporary displacement after a covered incident. Find out about coverage needs, money-saving discounts, and how round-the-clock claim handling works.

Get an Oregon renters quote, for same day coverage or call one of our helpful agents at 800-640-2920.

Oregon Renters Insurance FAQs

Is renters insurance required in Oregon?
No. the state of Oregon does not mandate that residential tenants buy renters insurance. However, an increasing number of landlords and property management companies require you to show proof of renters insurance as part of your rental lease agreement.
Can landlords require renters insurance in Oregon?
Yes, they can and an increasing number of landlords do require renters insurance as part of the lease agreement. But while you may not like having to buy renters insurance, this requirement benefits you financially by protecting you, your personal belongings, and your liability for a minimal financial outlay per month.
How much coverage is needed in Oregon?
Your renters insurance coverage in Oregon will depend on the type and amount of personal property you own. Most renters underestimate the value of their belongings. Take the time to do a full inventory of all your stuff and you’ll be amazed at how it adds up. If you own expensive equipment, like golf clubs or valuable artwork, you can (and should) buy extended coverage to protect those items too.
How much does renters insurance cost in Oregon?

Your renters insurance premium will depend on several factors. Rates can differ from one Oregonian renter to the next based on the amount of personal property they own, and which discounts they qualify for. Typically, a basic renters insurance policy will cost you around $11 a month[1] for $15,000 of property protection liability.

Get a free renters insurance quote

Who qualifies for renters insurance discounts?

There are multiple money-saving renters insurance discounts that you may qualify for. You’ll receive a discount if your place features a smoke alarm, fire extinguisher, or burglar alarm (residence protection discount). If your home is equipped with a sprinkler system, you’ll save with the sprinkler protection discount.

Learn more about the renters insurance discounts offered in Oregon.

What would happen if a renter has no renters insurance?
Many renters go without renters insurance because they don’t want to spend the money (even if it is great value). Or they take a gamble on nothing disastrous happening to them, their home, or their personal property. But accidents do happen. Kitchen fires and water damage happens to tenants all the time. Bikes, phones, and laptops get lost or stolen every day all across the country, not just in Oregon. If you don’t have renters insurance coverage, you would be on the hook to replace your damaged or stolen property. It makes sense to get renters insurance given how affordable it can be and how much protection it offers.
What is the minimum renters insurance coverage offered in Oregon?
In Oregon, the minimum liability limit of renters insurance offered by Wawanesa is $15,000 and will cost you around $11 per month[1] for a 12-month policy.

Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Renters Insurance FAQs


  1. Average premium cost of $11 per month in the state of Oregon, for a Wawanesa 12-month renters insurance policy of personal property liability limit of $15,000.

Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

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