Gavop's guide to buying homeowners insurance in Gold Beach, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $69,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $155,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $319,000 | $270,000 | $300,000-$350,000 |
| 4 Bedroom | $337,500 | $290,000 | $350,000-$400,000 |
| 5 Bedroom | $524,000 | $440,000 | $600,000-$700,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$58 | $591 |
| Home and Two Car | -$104 | $546 |
| Home and Three Car | -$149 | $500 |
| 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 |
| Curry County | $1,000 | $636 | $1,636 | $462 | $1,462 | $174 |
| Gold Beach, OR | $1,500 | $642 | $2,142 | $466 | $1,966 | $175 |
| Powers, OR | $700 | $403 | $1,103 | $293 | $993 | $110 |
| Wilderville, OR | $300 | $600 | $900 | $436 | $736 | $164 |
| Smith River, CA | $1,000 | $749 | $1,749 | $544 | $1,544 | $205 |
| Selma, OR | $400 | $571 | $971 | $415 | $815 | $156 |
| Myrtle Point, OR | $400 | $516 | $916 | $375 | $775 | $141 |
| Coquille, OR | $700 | $636 | $1,336 | $462 | $1,162 | $174 |
| Merlin, OR | $200 | $656 | $856 | $477 | $677 | $179 |
| Home Insurance Company Gold Beach, OR | Homeowners Insurance Agency Gold Beach, OR | Address | Popularity Score | Distance from Gold Beach (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gerald Ross Agency Inc. | One Ross Rd, Brookings, OR, 97415 | 30.9 | |
| Liberty Mutual Independent | Gerald Ross Agency Inc. | 1 Ross Rd, Brookings, OR, 97415 | 30.9 | |
| State Farm | Daryn Farmer | 401 Hillside Ave, Brookings, OR, 97415-2550 | 31.1 | |
| State Farm | David Allen Ii | 16333 Lower Harbor Rd, Brookings, OR, 97415-8306 | 31.3 | |
| Liberty Mutual Independent | Murray Insurance Services | 29824 Ellensburg Ave, Gold Beach, OR, 97444 | 5.3 | |
| State Farm | Mark Libby | 150 E 3rd St, Coquille, OR, 97423-1815 | 48.5 | |
| Allstate | Jeffrey Swank | 601 Chetco Ave Ste 1, Brookings, OR, 97415 | 31.1 | |
| State Farm | Dan Farmer | 344 Highway 101, Bandon, OR, 97411-0411 | 43.2 | |
| State Farm | Mark Libby | 150 E 3rd, Coquille, OR, 97423-1815 | 48.5 | |
| Travelers | First Community Insurance | 200 N Adams, Coquille, OR, 97423 | 48.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $440 | $920 | $480 |
| Curry County, OR | $221,300 | $644 | $460 | $900 | $440 |
| Gold Beach, OR | $207,800 | $650 | $450 | $920 | $470 |
| Powers, OR | $88,600 | $408 | $290 | $580 | $290 |
| Wilderville, OR | $259,100 | $607 | $440 | $840 | $400 |
| Smith River, CA | $275,000 | $758 | $560 | $1,030 | $470 |
| Selma, OR | $193,300 | $578 | $390 | $830 | $440 |
| Myrtle Point, OR | $151,400 | $522 | $380 | $730 | $350 |
| Coquille, OR | $168,100 | $644 | $460 | $910 | $450 |
| Merlin, OR | $268,900 | $664 | $480 | $920 | $440 |