Gavop's guide to buying homeowners insurance in Harney County, 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 | $50,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $129,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $177,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $147,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $445,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $524 |
| Superior Protection Discount | -$64 | $575 |
| Fire & Security Discount | -$57 | $581 |
| Hail Resistant Roof Discount | -$19 | $619 |
| Newly Constructed Home Discount | -$140 | $498 |
| 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 |
| Harney County | $2,500 | $631 | $3,131 | $458 | $2,958 | $172 |
| Harney County, OR | $1,500 | $631 | $2,131 | $458 | $1,958 | $172 |
| Diamond, OR | $200 | $690 | $890 | $501 | $701 | $188 |
| Hines, OR | $200 | $452 | $652 | $328 | $528 | $123 |
| Drewsey, OR | $2,500 | $591 | $3,091 | $429 | $2,929 | $161 |
| Home Insurance Company Harney County, OR | Homeowners Insurance Agency Harney County, OR | Address | Popularity Score | Distance from Harney County (miles) |
|---|---|---|---|---|
| Farmers | Mark Palmer | 761 Ponderosa Vlg, Burns, OR, 97720 | 35.8 | |
| Allstate | Steens Mountain Ins | 397 N Broadway Ave, Burns, OR, 97720 | 36.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $450 | $930 | $480 |
| Harney County, OR | $111,900 | $639 | $460 | $870 | $410 |
| Harney County, OR | $111,900 | $639 | $430 | $870 | $440 |
| Diamond, OR | $295,500 | $698 | $500 | $970 | $470 |
| Hines, OR | $112,400 | $457 | $320 | $650 | $330 |
| Drewsey, OR | $210,100 | $598 | $410 | $860 | $450 |