Gavop's guide to buying homeowners insurance in Baker City, 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.
| Baker City, OR - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 3rd St W, Foothill Dr, Grace St, Jury Rd, 9th Dr, Myrtle St, Pocahontas Rd, N Cedar St, N Cedar St, Spring Garden Ave | $134,500 | $110,000 | $150,000-$175,000 | $64,000 | $60,000 | $50,000-$75,000 |
| Best Frontage Rd, Quail Ridge Ln, State Hwy 203, Taggert Ln, Western Heights Ln, Fulton St E, Old US Hwy 30, Westview Dr, Sutton Cr Rd, H St | $178,000 | $150,000 | $175,000-$200,000 | $133,000 | $120,000 | $125,000-$150,000 |
| Birch St, Atwood Rd, Adams St W, K St, Washington St W, Campbell St, D St, Jefferson St W, Ash St, Indiana Ave | $108,000 | $100,000 | $100,000-$125,000 | $133,500 | $110,000 | $125,000-$150,000 |
| Old Oregon Trail Hwy, Hughes Ln, Story Ln, F St, la Grande-Baker Hwy, Chestnut St, Schetky Rd, Tamar St, N 3rd St, College St | $142,500 | $130,000 | $150,000-$175,000 | $157,500 | $150,000 | $150,000-$175,000 |
| 14th St, C St, McCarty Bridge Rd, Coffey Rd, Prowell Ln, Middle Brg Lp, Church St, Slough Rd, Valentine Rd, D St | $128,000 | $110,000 | $150,000-$175,000 | $160,000 | $140,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$56 | $645 |
| Home and Two Car | -$119 | $582 |
| Home and Three Car | -$161 | $540 |
| 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 |
| Baker County | $1,500 | $631 | $2,131 | $458 | $1,958 | $172 |
| Baker City, OR | $700 | $692 | $1,392 | $503 | $1,203 | $189 |
| Eagle Valley, OR | $500 | $576 | $1,076 | $419 | $919 | $157 |
| Wingville-Haines, OR | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| North Powder, OR | $100 | $446 | $546 | $324 | $424 | $122 |
| Sumpter, OR | $2,500 | $474 | $2,974 | $345 | $2,845 | $130 |
| Richland, OR | $500 | $489 | $989 | $355 | $855 | $134 |
| Hereford, OR | $1,500 | $508 | $2,008 | $369 | $1,869 | $139 |
| Joseph, OR | $1,000 | $657 | $1,657 | $477 | $1,477 | $180 |
| Prairie City, OR | $200 | $520 | $720 | $378 | $578 | $142 |
| Home Insurance Company Baker City, OR | Homeowners Insurance Agency Baker City, OR | Address | Popularity Score | Distance from Baker City (miles) |
|---|---|---|---|---|
| State Farm | Nick Conklin | 2307 Main St, Baker City, OR, 97814-2563 | 6.2 | |
| State Farm | Gregg Hinrichsen | 1722 Campbell St, Baker City, OR, 97814-2148 | 6.1 | |
| Allstate | Brent Wylam | 1108 Adams Ave, La Grande, OR, 97850 | 43.8 | |
| Travelers | Ag Insurance | 2119 7th St, Baker City, OR, 97814 | 6.5 | |
| State Farm | Bob Mason | 1209 Adams Ave Ste A, La Grande, OR, 97850-2668 | 43.7 | |
| Farmers | Tom Van Diepen Cic | 2825 10th St, Baker City, OR, 97814 | 6.8 | |
| Travelers | Wheatland Insurance Center Inc | 1405 Campbell, Baker City, OR, 97814 | 5.9 | |
| Travelers | Bisnett Insurance Inc | 1798 Campbell St, Baker City, OR, 97814 | 6.2 | |
| Travelers | Bisnett Insurance Inc | 1798 Campbell St, Baker City, OR, 97814 | 6.2 | |
| Liberty Mutual Independent | Valley Insurance | 1603 Washington Ave La Grande, La Grande, OR, 97850 | 43.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $480 | $940 | $460 |
| Baker County, OR | $145,600 | $639 | $440 | $910 | $470 |
| Baker City, OR | $129,400 | $701 | $480 | $970 | $490 |
| Eagle Valley, OR | $197,900 | $583 | $390 | $830 | $440 |
| Wingville-Haines, OR | $222,700 | $612 | $420 | $840 | $420 |
| North Powder, OR | $109,400 | $451 | $300 | $620 | $320 |
| Sumpter, OR | $125,000 | $480 | $330 | $660 | $330 |
| Richland, OR | $134,100 | $495 | $360 | $700 | $340 |
| Hereford, OR | $146,100 | $514 | $350 | $710 | $360 |
| Joseph, OR | $269,500 | $665 | $450 | $920 | $470 |
| Prairie City, OR | $153,900 | $526 | $350 | $730 | $380 |