How Can I Make My Ashland, OR Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Ashland, OR covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Ashland, OR Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $110,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $180,500 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $358,500 | $330,000 | $400,000-$500,000 |
| 4 Bedroom | $443,000 | $400,000 | $400,000-$500,000 |
| 5 Bedroom | $845,000 | $770,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Ashland, OR | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $616 |
| Superior Protection Discount | -$66 | $667 |
| Fire & Security Discount | -$59 | $675 |
| Hail Resistant Roof Discount | -$22 | $711 |
| Newly Constructed Home Discount | -$169 | $565 |
Choose the Right Deductible for your Ashland, 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 |
| Jackson County | $2,000 | $606 | $2,606 | $440 | $2,440 | $166 |
| Ashland, OR | $1,000 | $725 | $1,725 | $527 | $1,527 | $198 |
| Southeast Jackson, OR | $400 | $1,108 | $1,508 | $805 | $1,205 | $303 |
| Medford, OR | $700 | $741 | $1,441 | $539 | $1,239 | $203 |
| Central Point, OR | $100 | $692 | $792 | $503 | $603 | $189 |
| Butte Falls-Prospect, OR | $1,000 | $577 | $1,577 | $419 | $1,419 | $158 |
| Montague, CA | $100 | $580 | $680 | $421 | $521 | $158 |
| Happy Camp, CA | $2,500 | $587 | $3,087 | $426 | $2,926 | $160 |
| Selma, OR | $500 | $571 | $1,071 | $415 | $915 | $156 |
| Josephine County, OR | $1,000 | $600 | $1,600 | $436 | $1,436 | $164 |
| Greenview, CA | $1,000 | $552 | $1,552 | $401 | $1,401 | $151 |
Identify Top Home Insurance Agents near Ashland, OR | Back to Top
| Home Insurance Company Ashland, OR | Homeowners Insurance Agency Ashland, OR | Address | Popularity Score | Distance from Ashland (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Focus1 Insurance Group Inc | 3110 State St, Medford, OR, 97504 | 8.7 | |
| Liberty Mutual Independent | Protectors Insurance Llc | 514 Crater Lake Ave, Medford, OR, 97504 | 10.9 | |
| State Farm | Shannon Harris | 3210 Hillcrest Park Dr Ste 102, Medford, OR, 97504-7687 | 9.4 | |
| Allstate | Karen Townsend | 1590 Delta Waters Rd Ste 114, Medford, OR, 97504 | 12.5 | |
| Travelers | Reinholdt & O Harra | 383 East Main St, Ashland, OR, 97520 | 1.5 | |
| Farmers | John Eliot | 134 Nw E St, Grants Pass, OR, 97526 | 34.6 | |
| State Farm | Mark Mcune | 341 E Pine St, Central Point, OR, 97502 | 14.8 | |
| State Farm | Mike Snowden | 8336 Crater Lake Hwy Ste 105, White City, OR, 97503-1024 | 16.6 | |
| State Farm | Rory Wold | 2019 Aero Way, Medford, OR, 97504-9789 | 12.6 | |
| State Farm | Shane Cunningham | 820 S Riverside Ave, Medford, OR, 97501-7840 | 10.2 |
Compare Rates for Ashland, 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 | $480 | $920 | $440 |
| Jackson County, OR | $240,900 | $613 | $450 | $840 | $390 |
| Ashland, OR | $334,400 | $733 | $490 | $1,030 | $540 |
| Southeast Jackson, OR | $467,400 | $1,121 | $800 | $1,600 | $800 |
| Medford, OR | $216,700 | $750 | $510 | $1,040 | $530 |
| Central Point, OR | $203,500 | $701 | $480 | $990 | $510 |
| Butte Falls-Prospect, OR | $198,500 | $584 | $430 | $800 | $370 |
| Montague, CA | $151,500 | $587 | $430 | $800 | $370 |
| Happy Camp, CA | $156,600 | $594 | $440 | $810 | $370 |
| Selma, OR | $193,300 | $578 | $420 | $830 | $410 |
| Josephine County, OR | $235,600 | $607 | $440 | $860 | $420 |
| Greenview, CA | $132,800 | $559 | $410 | $760 | $350 |
Research Home Insurance Companies Reviews in Ashland, OR Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
Customer service is ok and response time is ok. Accountability and them keeping up with paperwork is bad
Date: June 09, 2019 Age: Above 60 Gender: Married Marital Status: Male
Premium
they have premium is quiet good compared to other insurance company. deduction is very reasonable
Date: December 07, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
They have direct debit which is convenient so we never miss a payment. They also offer food and appliance replacement in the event of a power outage which I find extremely unique. There are many power outages in my area and this can be useful if we have a freezer full of food that needs to be thrown out and replace. Although we have not taken advantage of this as of yet, I would rate this at a 5.
Date: October 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My premium is somewhat more than other companies, but I have great customer service. Still, I wish they would lower my premium since I have been a loyal customer. I think I deserve a reward.
Progressive Home Insurance Reviews
Date: December 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
Progressive has good coverage and helps me with piece of mind that i am protected and with just a small premium i know i'm covered
Date: February 07, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
We really enjoy the price and coverage we get. The people are nice. The bundling package was easy to use and helped us to save money versus going with a new company.
Travelers Home Insurance Reviews
Date: December 28, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
They offer the standard coverage plus flood insurance if you need it but they also offer bundles. I like that you can get discounts on your homeowner's insurance if you bundle it with other insurance like auto.
Date: July 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
customer service has been very responsive to any needs i have when i've contacted them through my broker. I have a good understanding of what they cover.
Nationwide Home Insurance Reviews
Date: September 05, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
My experience with Nationwide has been good. All contact has been over the phone and they are very responsive. They got me setup quickly and were able to answer all of my questions quickly.
Liberty Mutual Home Insurance Reviews
Date: May 22, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Male
Premium
The premium and deductible with All State are much less than with other companies, that is one of the reasons why I picked All State.
GEICO Home Insurance Reviews
Date: October 16, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Communication
They are very friendly and helpful. Always welcome to try and help fix any issues.I have never had any issues with a customer service agent