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Portland, Oregon Skyline

As its name suggests, Portland, Oregon resides near the coast, which brings about unique issues for homeowners. Mold, rain and wildfires all present challenges to Oregon homeowners that need to be anticipated and protected against.

How Much Does Homeowners Insurance Cost in Portland, Oregon?

The average cost of homeowners insurance in Oregon is around $55 a month. Homeowners insurance rates in Portland are within the same ballpark, at around $50 a month. This puts Portland on the low end compared to average homeowners insurance rates across the United States.

Does Homeowners Insurance Cover Mold?

Homeowners insurance typically covers mold if the mold grows due to a listed incident and not out of neglect on the homeowner's part. This coverage is tricky. There are certain instances where an insurance company won't cover mold — such as if a flood causes mold or if mold grows inside your shower. Make sure to be vigilant for mold when it's wet and humid outside, as insurance companies won't always cover the cost to remove it.

There are ways to get around this, however. You can purchase a flood policy that covers mold and mildew or purchase an endorsement for your insurance policy to add mold coverage. Examine your homeowners insurance policy closely for any mention of mold. And speak with your Action Insurance Company agent about adding this coverage.

Does Homeowners Insurance Cover Wildfires?

Wildfires can be one of the scariest, fast-moving destructive forces that can hurt your home. With the unfortunate recent increase of wildfires, it's important to know if your home will be protected. While Portland may seem covered because of its size, it's also surrounded by wildlife. Affects from the fire can be felt from miles away. In 2015, around 685,809 acres burned in Oregon due to wildfires.

Luckily, homeowners insurance can help cover damages due to wildfires. Dwelling and property damage coverage can protect your home and its contents, and additional living expenses can offer monetary help if you must temporarily live elsewhere after a wildfire. Some insurance policies also help with paying for fire department calls.

No matter where you live, there is always risk. Homes are investments. And you want to make sure that investment is covered, no matter what. If you don't have the right amount of coverage, you may find yourself without a home. Or you could end up with a seemingly endless list of bills and no way to pay them. Talk to your Action Insurance Company agent today and make sure your policy has the right coverage.

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