Umbrella Insurance in Oregon
Liability coverage that sits above your auto and home limits. Usually the cheapest million dollars of protection a household can buy.
What is different in Oregon
Oregon requires PIP and uninsured motorist coverage on every auto policy. The 2020 Labor Day fires reshaped property appetite across the Cascade foothills and the wildland-urban interface, and Cascadia subduction zone earthquake exposure is excluded from homeowners policies and written separately.
Exposures that shape pricing here
- wildfire
- earthquake
- winter storm
- flood
Umbrella Insurance reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- Coverage explained
Why state minimum auto limits are not enough
Minimum liability limits were set decades ago and have not kept pace with medical costs or vehicle values. What they cover, and what happens when they run out.
- Coverage explained
Umbrella insurance explained
A layer of liability coverage that sits above your auto and home policies and engages when they run out. What it does, and what it does not.
- Buying guides
What a declination letter is, and why you want one
If you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.