How Can I Make My Klamath Falls, OR Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Klamath Falls, OR by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Klamath Falls, OR Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $111,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $144,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $292,500 | $260,000 | $200,000-$250,000 |
| 5 Bedroom | $223,500 | $200,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Klamath Falls, OR | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $605 |
| Superior Protection Discount | -$66 | $671 |
| Fire & Security Discount | -$74 | $664 |
| Hail Resistant Roof Discount | -$22 | $715 |
| Newly Constructed Home Discount | -$214 | $524 |
Choose the Right Deductible for your Klamath Falls, OR Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Klamath County | $1,500 | $722 | $2,222 | $525 | $2,025 | $197 |
| Klamath Falls, OR | $2,000 | $728 | $2,728 | $529 | $2,529 | $199 |
| Altamont, OR | $300 | $692 | $992 | $503 | $803 | $189 |
| Merrill, OR | $2,000 | $558 | $2,558 | $406 | $2,406 | $153 |
| Malin, OR | $300 | $488 | $788 | $355 | $655 | $133 |
| Tulelake, CA | $1,500 | $460 | $1,960 | $335 | $1,835 | $126 |
| Butte Falls-Prospect, OR | $2,000 | $577 | $2,577 | $419 | $2,419 | $158 |
| Tennant, CA | $400 | $426 | $826 | $309 | $709 | $116 |
| Jackson County, OR | $700 | $606 | $1,306 | $440 | $1,140 | $166 |
| Hornbrook-Hilt, CA | $100 | $584 | $684 | $424 | $524 | $160 |
| Prospect, OR | $2,500 | $510 | $3,010 | $370 | $2,870 | $139 |
Identify Top Home Insurance Agents near Klamath Falls, OR | Back to Top
| Home Insurance Company Klamath Falls, OR | Homeowners Insurance Agency Klamath Falls, OR | Address | Popularity Score | Distance from Klamath Falls (miles) |
|---|---|---|---|---|
| Travelers | Reinholdt & O Harra | 383 East Main St, Ashland, OR, 97520 | 47.5 | |
| State Farm | Jeff Young | 1829 Austin St, Klamath Falls, OR, 97603-4677 | 2.8 | |
| Allstate | Rob Buckmister | 1908 Ashland St Ste C, Ashland, OR, 97520 | 46.0 | |
| Liberty Mutual Independent | Webb Wilson Insurance Agency | 1889 Austin St, Klamath Falls, OR, 97603 | 2.9 | |
| Farmers | Sharleen Hutchison | 1891 Avalon St Ste B, Klamath Falls, OR, 97603 | 2.7 | |
| State Farm | Phill Kensler | 1307 S Alameda Ave Ste 1, Klamath Falls, OR, 97603-3601 | 2.6 | |
| Travelers | Great Basin Insurance | 826 Main St, Klamath Falls, OR, 97601 | 1.1 | |
| State Farm | Brian Conrad | 1806 Ashland St, Ashland, OR, 97520-2331 | 46.2 | |
| Farmers | Melissa Dreyer | 3820 Shasta Way, Klamath Falls, OR, 97603 | 3.0 | |
| State Farm | Chris Watkins | 4729 S 6th St, Klamath Falls, OR, 97603-4958 | 3.8 |
Compare Rates for Klamath Falls, OR Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $450 | $940 | $490 |
| Klamath County, OR | $156,900 | $731 | $500 | $1,000 | $500 |
| Klamath Falls, OR | $153,800 | $737 | $500 | $1,020 | $520 |
| Altamont, OR | $136,200 | $701 | $500 | $970 | $470 |
| Merrill, OR | $182,900 | $565 | $380 | $800 | $420 |
| Malin, OR | $133,100 | $494 | $360 | $680 | $320 |
| Tulelake, CA | $81,000 | $466 | $340 | $630 | $290 |
| Butte Falls-Prospect, OR | $198,500 | $584 | $400 | $820 | $420 |
| Tennant, CA | $65,900 | $431 | $320 | $590 | $270 |
| Jackson County, OR | $240,900 | $613 | $450 | $850 | $400 |
| Hornbrook-Hilt, CA | $154,700 | $591 | $440 | $800 | $360 |
| Prospect, OR | $147,200 | $516 | $370 | $720 | $350 |
Research Home Insurance Companies Reviews in Klamath Falls, OR Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 06, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Allstate has the basic offerings in home insurance, although they seem to be more accepting of the rural lifestyle than others. Fortunately so far I've not yet had to make a homeowner's claims but my agent reviews my coverage yearly and their recommendations seem reasonable.
Date: October 31, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
They use my credit score to determine the rate. I think the preminum is comparable to other insurance companies.
State Farm Home Insurance Reviews
Date: April 04, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
For what we get I feel like our policy is the same as we would get at other companies. We have been with them long enough to stay.
Date: November 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
I like that I can check my payments and plans on the website and see any promotions. There are also planners and calculators for things like retirement that I find useful.
Progressive Home Insurance Reviews
Date: January 08, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Although it has been a few years since we decided to sign up with Progressive, compared to other insurance providers we researched at the time, Progressive had a wide variety of services we could take advantage of.
Date: July 24, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
The premiums and deductibles of our home owners insurance policy is very similar to other companies that we have looked into. The major deciding factor for us was price.
GEICO Home Insurance Reviews
Date: June 15, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Customer Service
I do not have any costumer services experience but only payment issues. overall I can say geico has good costumer services but not great, so my point is 4.