Gavop's guide to buying homeowners insurance in Union 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 | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $137,500 | $130,000 | $100,000-$125,000 |
| 3 Bedroom | $159,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $280,000 | $250,000 | $300,000-$350,000 |
| 5 Bedroom | $182,000 | $150,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $533 |
| Superior Protection Discount | -$58 | $591 |
| Fire & Security Discount | -$65 | $585 |
| Hail Resistant Roof Discount | -$13 | $637 |
| Newly Constructed Home Discount | -$175 | $474 |
| 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 |
| Union County | $2,500 | $642 | $3,142 | $466 | $2,966 | $175 |
| Union County, OR | $2,000 | $642 | $2,642 | $466 | $2,466 | $175 |
| Island City, OR | $100 | $535 | $635 | $388 | $488 | $146 |
| Union, OR | $1,000 | $504 | $1,504 | $366 | $1,366 | $138 |
| North Powder, OR | $500 | $446 | $946 | $324 | $824 | $122 |
| Weston, OR | $300 | $450 | $750 | $327 | $627 | $123 |
| Umatilla County, OR | $400 | $722 | $1,122 | $525 | $925 | $197 |
| Kirkpatrick, OR | $1,500 | $545 | $2,045 | $396 | $1,896 | $149 |
| Ukiah, OR | $100 | $411 | $511 | $299 | $399 | $112 |
| Home Insurance Company Union County, OR | Homeowners Insurance Agency Union County, OR | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| State Farm | Nick Conklin | 2307 Main St, Baker City, OR, 97814-2563 | 37.1 | |
| State Farm | Gregg Hinrichsen | 1722 Campbell St, Baker City, OR, 97814-2148 | 37.1 | |
| Farmers | Terry Becktold | 509 Sw Frazer Ave, Pendleton, OR, 97801 | 45.9 | |
| Travelers | Bisnett Insurance | 121 S Main St, Pendleton, OR, 97801 | 46.0 | |
| Allstate | Brent Wylam | 1108 Adams Ave, La Grande, OR, 97850 | 5.0 | |
| State Farm | Stan Henderer | 33 Se Dorion Ave, Pendleton, OR, 97801-2232 | 45.9 | |
| Farmers | Les Bridges | 309 S River St Ste A, Enterprise, OR, 97828 | 36.1 | |
| Travelers | Ag Insurance | 2119 7th St, Baker City, OR, 97814 | 37.1 | |
| State Farm | Bob Mason | 1209 Adams Ave Ste A, La Grande, OR, 97850-2668 | 4.9 | |
| Farmers | Tom Van Diepen Cic | 2825 10th St, Baker City, OR, 97814 | 36.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $470 | $910 | $440 |
| Union County, OR | $172,100 | $650 | $450 | $920 | $470 |
| Union County, OR | $172,100 | $650 | $470 | $920 | $450 |
| Island City, OR | $164,300 | $541 | $390 | $760 | $370 |
| Union, OR | $143,000 | $510 | $360 | $730 | $370 |
| North Powder, OR | $109,400 | $451 | $310 | $640 | $330 |
| Weston, OR | $111,600 | $455 | $320 | $630 | $310 |
| Umatilla County, OR | $147,900 | $731 | $530 | $1,020 | $490 |
| Kirkpatrick, OR | $172,900 | $552 | $400 | $760 | $360 |
| Ukiah, OR | $92,500 | $416 | $300 | $590 | $290 |