Gavop shows you how to buy homeowners insurance in Talent, OR by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $85,500 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $122,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $202,500 | $170,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $593 |
| Home and Two Car | -$103 | $541 |
| Home and Three Car | -$161 | $483 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,488 |
| Hail Damage | $4,806 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $17,054 |
| Home Insurance Company Talent, OR | Homeowners Insurance Agency Talent, OR | Address | Popularity Score | Distance from Talent (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Focus1 Insurance Group Inc | 3110 State St, Medford, OR, 97504 | 5.6 | |
| Farmers | Terry Spitz | 1690 Williams Hwy, Grants Pass, OR, 97527 | 31.0 | |
| State Farm | Shannon Harris | 3210 Hillcrest Park Dr Ste 102, Medford, OR, 97504-7687 | 6.5 | |
| Allstate | Karen Townsend | 1590 Delta Waters Rd Ste 114, Medford, OR, 97504 | 9.5 | |
| State Farm | Rory Wold | 2019 Aero Way, Medford, OR, 97504-9789 | 9.6 | |
| Liberty Mutual Independent | Protectors Insurance Llc | 514 Crater Lake Ave, Medford, OR, 97504 | 7.7 | |
| Travelers | Reinholdt & O Harra | 383 East Main St, Ashland, OR, 97520 | 4.8 | |
| Farmers | John Eliot | 134 Nw E St, Grants Pass, OR, 97526 | 31.2 | |
| Liberty Mutual Independent | Siskiyou Insurance Marketplace | 704 Sw 4th St, Grants Pass, OR, 97526 | 31.3 | |
| Travelers | Hart Insurance Agency | 321 Se I St, Grants Pass, OR, 97526 | 31.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $470 | $940 | $470 |
| Jackson County, OR | $240,900 | $613 | $410 | $880 | $470 |
| Talent, OR | $197,200 | $644 | $430 | $910 | $480 |
| Medford, OR | $216,700 | $750 | $540 | $1,070 | $530 |
| Central Point, OR | $203,500 | $701 | $510 | $960 | $450 |
| Butte Falls, OR | $125,900 | $482 | $350 | $660 | $310 |
| Trail, OR | $289,300 | $690 | $460 | $990 | $530 |
| Keno, OR | $186,400 | $570 | $410 | $790 | $380 |
| Merlin, OR | $268,900 | $664 | $480 | $950 | $470 |
| Happy Camp, CA | $156,600 | $594 | $440 | $810 | $370 |
| Grenada, CA | $133,700 | $561 | $420 | $760 | $340 |
| Takilma, OR | $300,000 | $704 | $510 | $970 | $460 |
| Dorris, CA | $101,700 | $507 | $380 | $690 | $310 |