Gavop's guide to buying homeowners insurance in Josephine 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 | $79,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $175,000 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $244,500 | $220,000 | $250,000-$300,000 |
| 4 Bedroom | $333,500 | $310,000 | $250,000-$300,000 |
| 5 Bedroom | $332,000 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $498 |
| Superior Protection Discount | -$55 | $553 |
| Fire & Security Discount | -$67 | $540 |
| Hail Resistant Roof Discount | -$12 | $595 |
| Newly Constructed Home Discount | -$140 | $468 |
| 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 |
| Josephine County | $2,500 | $600 | $3,100 | $436 | $2,936 | $164 |
| Josephine County, OR | $1,000 | $600 | $1,600 | $436 | $1,436 | $164 |
| Wilderville, OR | $100 | $600 | $700 | $436 | $536 | $164 |
| Grants Pass, OR | $2,000 | $722 | $2,722 | $525 | $2,525 | $197 |
| Rogue River, OR | $400 | $533 | $933 | $387 | $787 | $146 |
| Gold Hill, OR | $100 | $522 | $622 | $379 | $479 | $143 |
| Curry County, OR | $2,500 | $636 | $3,136 | $462 | $2,962 | $174 |
| Canyonville, OR | $400 | $464 | $864 | $337 | $737 | $127 |
| Days Creek, OR | $2,500 | $543 | $3,043 | $395 | $2,895 | $149 |
| Myrtle Creek, OR | $100 | $525 | $625 | $381 | $481 | $143 |
| Smith River-Gasquet, CA | $2,000 | $711 | $2,711 | $517 | $2,517 | $194 |
| Home Insurance Company Josephine County, OR | Homeowners Insurance Agency Josephine County, OR | Address | Popularity Score | Distance from Josephine County (miles) |
|---|---|---|---|---|
| Farmers | Terry Spitz | 1690 Williams Hwy, Grants Pass, OR, 97527 | 13.6 | |
| Liberty Mutual Independent | Focus1 Insurance Group Inc | 3110 State St, Medford, OR, 97504 | 39.8 | |
| Allstate | Jason Lewis | 1023 Ne 7th St, Grants Pass, OR, 97526 | 14.8 | |
| Liberty Mutual Independent | Siskiyou Insurance Marketplace | 704 Sw 4th St, Grants Pass, OR, 97526 | 14.0 | |
| State Farm | David Allen Ii | 16333 Lower Harbor Rd, Brookings, OR, 97415-8306 | 41.4 | |
| Travelers | Reinholdt & O Harra | 383 East Main St, Ashland, OR, 97520 | 47.3 | |
| Liberty Mutual Independent | Gerald Ross Agency Inc. | One Ross Rd, Brookings, OR, 97415 | 42.1 | |
| Farmers | John Eliot | 134 Nw E St, Grants Pass, OR, 97526 | 14.4 | |
| State Farm | Mark Mcune | 341 E Pine St, Central Point, OR, 97502 | 34.9 | |
| Liberty Mutual Independent | Gerald Ross Agency Inc. | 1 Ross Rd, Brookings, OR, 97415 | 42.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oregon | $265,700 | $661 | $480 | $930 | $450 |
| Josephine County, OR | $235,600 | $607 | $440 | $840 | $400 |
| Josephine County, OR | $235,600 | $607 | $420 | $860 | $440 |
| Wilderville, OR | $259,100 | $607 | $410 | $840 | $430 |
| Grants Pass, OR | $229,300 | $731 | $530 | $1,030 | $500 |
| Rogue River, OR | $163,100 | $539 | $370 | $770 | $400 |
| Gold Hill, OR | $155,400 | $528 | $360 | $720 | $360 |
| Curry County, OR | $221,300 | $644 | $460 | $910 | $450 |
| Canyonville, OR | $119,400 | $470 | $320 | $650 | $330 |
| Days Creek, OR | $171,300 | $550 | $400 | $790 | $390 |
| Myrtle Creek, OR | $157,600 | $531 | $380 | $750 | $370 |
| Smith River-Gasquet, CA | $250,900 | $720 | $530 | $980 | $450 |