Gavop's guide to buying homeowners insurance in Astoria, 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 | $78,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $199,000 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $257,000 | $220,000 | $250,000-$300,000 |
| 4 Bedroom | $363,000 | $310,000 | $400,000-$500,000 |
| 5 Bedroom | $583,500 | $470,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $491 |
| Superior Protection Discount | -$60 | $539 |
| Fire & Security Discount | -$48 | $551 |
| Hail Resistant Roof Discount | -$12 | $587 |
| Newly Constructed Home Discount | -$168 | $431 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,312 |
| Hail Damage | $5,265 |
| Wind Damage | $10,216 |
| Expensive Claims | |
| Fire | $37,853 |
| Accidental Discharge/Leakage | $8,539 |
| Optional Coverage Losses | $7,991 |
| Home Insurance Company Astoria, OR | Homeowners Insurance Agency Astoria, OR | Address | Popularity Score | Distance from Astoria (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Knutsen Insurance | 3410 Highway 101 N, Gearhart, OR, 97138 | 8.7 | |
| State Farm | Dave Hollandsworth | 1808 2nd St, Tillamook, OR, 97141-2209 | 46.8 | |
| State Farm | Jeremy Mills | 815 S Holladay Dr, Seaside, OR, 97138-6608 | 11.2 | |
| Travelers | Aaa - North Coast | 135 S Hwy 101, Warrenton, OR, 97146 | 4.2 | |
| State Farm | Joel Avina | 29 Nehalem St Po Box 1048, Clatskanie, OR, 97016 | 29.7 | |
| Allstate | Arthur Strand Ins | 953 Bridge St, Vernonia, OR, 97064 | 35.6 | |
| Allstate | Clatskanie Ins Agy | 315 E Columbia River Highway, Clatskanie, OR, 97016 | 29.8 | |
| Liberty Mutual Independent | Hudson Insurance | 612 Pacific Ave, Tillamook, OR, 97141 | 47.0 | |
| Liberty Mutual Independent | Knutsen Insurance | 3410 Hwy 101 North, Gearhart, OR, 97138 | 8.7 | |
| Liberty Mutual Independent | Knutsen Insurance | 3410 Highway 101 N, Gearhart, OR, 97138 | 8.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $440 | $930 | $490 |
| Clatsop County, OR | $253,900 | $628 | $460 | $860 | $400 |
| Astoria, OR | $251,200 | $599 | $410 | $850 | $440 |
| Long Beach, WA | $174,200 | $663 | $470 | $950 | $480 |
| Wahkiakum County, WA | $202,600 | $654 | $480 | $930 | $450 |
| East Cathlamet, WA | $177,300 | $667 | $450 | $930 | $480 |
| Ocean Park, WA | $173,600 | $662 | $440 | $950 | $510 |
| Wheeler, OR | $257,900 | $652 | $480 | $920 | $440 |
| Rockaway Beach, OR | $167,200 | $545 | $400 | $750 | $350 |
| South Bend, WA | $107,500 | $533 | $360 | $760 | $400 |
| Goble, OR | $241,000 | $632 | $460 | $870 | $410 |
| Toledo-Vader, WA | $163,000 | $645 | $460 | $920 | $460 |
| Tillamook County, OR | $233,500 | $580 | $420 | $800 | $380 |