How Can I Make My Medford, OR Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Medford, OR by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Select the Suitable Coverage Value for your Medford, OR Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $71,500 $60,000 $50,000-$75,000
2 Bedroom $155,000 $130,000 $150,000-$175,000
3 Bedroom $257,500 $210,000 $200,000-$250,000
4 Bedroom $389,000 $320,000 $400,000-$500,000
5 Bedroom $371,500 $300,000 $350,000-$400,000

Estimate your Savings with Home Insurance Discounts in Medford, OR | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$120 $630
Superior Protection Discount -$68 $683
Fire & Security Discount -$60 $690
Hail Resistant Roof Discount -$15 $735
Newly Constructed Home Discount -$180 $570

Choose the Right Deductible for your Medford, OR Home | Back to Top

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
Jackson County $2,000 $606 $2,606 $440 $2,440 $166
Medford, OR $1,000 $741 $1,741 $539 $1,539 $203
Eagle Point, OR $300 $574 $874 $417 $717 $157
Williams, OR $300 $715 $1,015 $520 $820 $195
Grants Pass, OR $2,000 $722 $2,722 $525 $2,525 $197
Glendale, OR $100 $462 $562 $336 $436 $126
Keno, OR $1,000 $563 $1,563 $409 $1,409 $154
Wilderville, OR $700 $600 $1,300 $436 $1,136 $164
South Umpqua, OR $100 $582 $682 $423 $523 $159
Tri-City, OR $700 $488 $1,188 $355 $1,055 $133

Identify Top Home Insurance Agents near Medford, OR | Back to Top

Home Insurance Company Medford, OR Homeowners Insurance Agency Medford, OR Address Popularity Score Distance from Medford (miles)
Liberty Mutual Independent Focus1 Insurance Group Inc 3110 State St, Medford, OR, 97504
4.2
State Farm Mark Mcune 341 E Pine St, Central Point, OR, 97502
2.0
State Farm Shannon Harris 3210 Hillcrest Park Dr Ste 102, Medford, OR, 97504-7687
3.9
Allstate Karen Townsend 1590 Delta Waters Rd Ste 114, Medford, OR, 97504
1.4
Liberty Mutual Independent Protectors Insurance Llc 514 Crater Lake Ave, Medford, OR, 97504
2.0
Travelers Reinholdt & O Harra 383 East Main St, Ashland, OR, 97520
14.3
Liberty Mutual Independent Siskiyou Insurance Marketplace 704 Sw 4th St, Grants Pass, OR, 97526
23.5
State Farm Rory Wold 2019 Aero Way, Medford, OR, 97504-9789
1.4
State Farm Shane Cunningham 820 S Riverside Ave, Medford, OR, 97501-7840
2.8
Allstate Michael Neilitz 716 E Jackson St, Medford, OR, 97504
2.0

Compare Rates for Medford, OR Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Oregon $265,700 $661 $440 $950 $510
Jackson County, OR $240,900 $613 $440 $880 $440
Medford, OR $216,700 $750 $530 $1,070 $540
Eagle Point, OR $234,500 $581 $400 $830 $430
Williams, OR $314,400 $724 $520 $1,040 $520
Grants Pass, OR $229,300 $731 $490 $1,020 $530
Glendale, OR $118,400 $468 $330 $650 $320
Keno, OR $186,400 $570 $390 $810 $420
Wilderville, OR $259,100 $607 $430 $860 $430
South Umpqua, OR $202,500 $589 $410 $810 $400
Tri-City, OR $133,300 $494 $360 $680 $320

Research Home Insurance Companies Reviews in Medford, OR Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: October 24, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The premium and deductible are pretty high, I am fairly certain I could of gotten a better deal had i shopped around or if I wasn't to lazy to swap at the moment.

Date: December 10, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
i have always used State Farm since being a homeowner. I did shop around for better pricing but didnt find a company with better pricicng.


Date: September 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
They are friends and neighbors in a small town so the communication is immiscible. If you don't catch them during office hours, chances are you see them at church or the grocery store anyway

Date: August 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
it's a small town so everyone knows everyone. The customer service agents are always friendly and helpful and respond immediately to inquiries or problems.

Date: May 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I'm not sure about the premium of other companies- I've been with state farm for over 20 years. It doesn't seem too high when talking with other people about what they pay but I also don't know if we are comparing apples to apples or if they're policy is different

Date: December 07, 2017    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
replacement value of the home if its destroyed, repair/replacement outbuildings, contents against loss/theft, natural disasters including flood, I think there is some medical payment coverage but I don't know how much


Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
it can be difficult to access some information and I must search for it. In particular, the policy terms and conditions so I usually just call and ask instead of wasting time trying to find the information

Liberty Mutual Home Insurance Reviews

Date: December 24, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
They have many of the same offerings as other companies. One downside is the inability to manage my plan online, which is a significant downfall. on the other side, my agent is very responsive and helpful regarding all things insurance related.


Date: September 15, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I feel my premium is too high and continues to rise despite the fact that has never filed a claim and has been with the company for 20 years.

Date: August 24, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
The only time the company contacts me is when the premium is due. They never check in or look to review my coverage with me.

Date: August 05, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
I have never been on the company's app, and have only visited the website a few times. It appears to be average, nothing special.

Date: July 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
My coverage provides protection for the swelling, other structures on the property personal property, and medical coverage.


Date: January 25, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have never filed a claim, and have no first-hand knowledge of their home insurance claims process.

Farmer's Insurance Home Insurance Reviews

Date: January 08, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
I use Farmers for my home insurance. I never imagined I would ever need home owners insurance but when a hurricane hit over a year ago, I was glad I had it. Farmers handled claims and processed paperwrok fast..


Date: October 05, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
It is not user-friendly. It is out-of-date. Does not let me view my bill in complete detail. It also directs me to call my agent if I wanted to view complete details of my coverage on the site. However, that information is available on declarations pdf file.

Date: September 17, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I like that I have a reliable agent who is open 8 to 5 Monday through Saturday and is available for my needs. He also has consulted with me on changing my coverages to fit my needs.

Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I feel like it is too expensive for the coverage and house value I currently have. They also pulled earthquake insurance when they could have kept it, but the state placed a new law stating that earthquake insurance can be separate.

Date: July 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
It covers dwelling, in fire or other losses, it offers complete loss and rebuild of home. It also pays liability in case I get sued, at around 500,000.


Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Communication
So far they have been pretty good. I even have called their billing department and have spoken to competent insurance customer service representatives.

Nationwide Home Insurance Reviews

Date: September 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like that I can get answers from the insurance company almost immediately. They are also very quick to respond to any questions or concerns I may have.

Date: September 07, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
I like that I am able to view my policies online as well as pay or view my bill. I am able to find the contact information as well.

Date: August 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The customer service is always on point with Nationwide. I am able to contact my insurer anytime by email or phone. Email responses usually come back to me the same day.

Date: August 08, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Home insurance covers any damage that may occur to my home from the surrounding environment as well as anything that could potentially be caused from severe weather.


Date: December 26, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
My premium seems to be competitive with other companies. Since all my insurances are bundled together, I am able to receive a better rate on my home insurance policy.

GEICO Home Insurance Reviews

Date: February 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I am not familiar with what other insurance companies offer with their plans. I am satisfied with the options that were provided by the company I use.


Date: September 12, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Premium
Lighthouse is significantly cheaper than other companies for the same coverage.

Date: September 02, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
They use a third party which makes it hard to reach a customer service rep that understands the issues.

Date: August 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
Third parties that deal with claims without being able to talk to the actual insurance company.

Allstate Home Insurance Reviews

Date: July 26, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
They have been pretty fair about the rates and coverage. i would give them a 4

Date: April 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
My experience with my home insurance company's customer service has been great. They have always been very friendly and knowledgeable. They answer any questions.

Date: October 28, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
Again, I am unsure how the website functions, my husband takes care of all the insurance needs in our household. I am assuming the website runs well as he never complains about it.

Country Financial Home Insurance Reviews

Date: December 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I believe that my insurance offerings work well, I think they cover everything that I need but I've never been so sure because' I've never had to file a claim.


Progressive Home Insurance Reviews

Date: July 15, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
It is very useful in the customer. It is customer satisfied in the very good.


Safeco Insurance Home Insurance Reviews

Date: November 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
We switched a few years back and it was a smart move. We got a lower rate and more coverage, including an umbrella policy.


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