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Best Renters Insurance in Portland, OR

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    by Sandi Pope ConsumerAffairs Research Team

    If you’re renting your home, your landlord’s insurance doesn’t cover your personal belongings. A renters insurance policy reimburses you for property loss and protects you if someone is injured in your house or apartment. We found the best renters insurance companies in Portland that give residents the maximum coverage at the best price.

    Top 11 Portland Renters Insurance Companies

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      portland skyline

      People continue to flock to Portland because it provides many amenities while maintaining a laid-back atmosphere. Correspondingly, property crime has also risen and is the second-highest in Oregon and double the national average. Portland residents should consider renters insurance to protect their property from theft or damage.

      What’s the average price of renters insurance in Portland?

      The average price of renters insurance in Portland is between $20 and $25 a month, which adds up to between $260 and $300 per year.

      Rates of renters insurance policies vary among neighborhoods. Areas with higher crime rates, like parts of Brooklyn or the Lloyd District, tend to have more expensive renters insurance prices. Residents in affluent neighborhoods and suburbs may also have high renters insurance rates because they have more property that must be insured. The value of your property, the amount of liability coverage and the amount of the deductible all affect the cost of renters insurance.

      Choosing renters insurance coverage in Portland, Oregon

      Finding the best renters insurance company isn’t easy — remember, price isn’t the only factor to consider. It’s important to research companies regardless of whether you want to gather quotes yourself or use a local broker to help you sift through national renters insurance carriers.

      Find a company that has a reputation for helping customers file claims. When you’re dealing with the aftermath of having your home broken into or damaged in a storm, you want an agent who cares about your situation. Get recommendations from friends, family and neighbors and read online reviews from other Portland residents. If you plan to use a local broker, look for one who doesn’t charge extra fees and has a reputation for compassion and knowledge.

      In addition to finding the best renters insurance company in Portland, you need to determine the level of coverage you need. Start by taking an accurate inventory of the property you want covered and determining its real value. Next, decide how much liability coverage you want and choose a deductible you’re comfortable with paying.

       Is renters insurance required in Oregon?

      Renters insurance is not legally required by Oregon or the City of Portland. However, Oregon landlords may require their tenants to purchase renters insurance. Your landlord’s insurance does not cover your belongings, so it’s in your best interest to buy renters insurance in Portland.

      For just $20 per month, you’re covered in the event of a break-in or accident. Less than $300 per year is a small price to pay to help with the potential of tens of thousands of dollars worth of damage.

      Not sure how to choose?

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        Portland renters insurance company information

        EPB&B Insurance

        EPB&B Insurance specializes in renters insurance and other insurance solutions for individuals and businesses. The company’s renters insurance covers possessions inside your rented home, including clothing, furniture, kitchenware and electronics. EPB&B agents help customers decide which renters insurance policy is right for them and assist with filing claims after incidents.

        • Service areas: Pacific Northwest
        • Address: 1521 SW Salmon St., Portland, OR 97205
        • Phone: (503) 227-1771
        • Hours: Call for hours
        • Website: epbb.com
        State Farm Renters Insurance Portland

        State Farm offers a complete line of insurance products, including renters insurance. Customers receive discounts when bundling renters insurance with other policies. Pricing depends on the value of your insured items, the extent of coverage and the deductible you choose, but Portland residents can expect to pay $15 a month for $35,000 of property coverage.

        • Service areas: Portland
        • Address: 5048A SE Hawthorne Blvd., Portland, OR 97215
        • Phone: (503) 232-2444
        • Hours: M - F: 9am - 5pm
        • Website: marikolocke.net
        Century Benefits

        Century Benefits features renters insurance policies from a variety of carriers. You can receive discounts by paying your premiums in full or bundling other insurance products. The agents take no additional fees outside of your monthly insurance payments.

        • Service areas: Oregon
        • Address: 2110 SW Jefferson St., 3rd floor, Portland, OR 97201
        • Phone: (503) 608-7768
        • Hours: Call for hours
        • Website: centurybenefits.com/homeowners/renters
        Chamberlain Insurance

        Chamberlain Insurance provides renters insurance that covers personal possessions and additional living expenses. It also provides liability protection. Ask your insurance agent if you qualify for discounts if you have a security system, good credit, multiple policies with Chamberlain Insurance or are more than 55 years old. Pay your premiums online and make claims by calling the company’s office during business hours or, in an emergency, the company’s 24/7 line.

        • Service areas: Portland, Beaverton and Gresham
        • Address: 7831 SE Stark St., Ste. 102, Portland, OR 97215
        • Phone: (503) 256-1448
        • Hours: Call for hours
        • Website: chamberlaininsurance.com
        Focus 1 Insurance Group, Inc.

        Focus 1 Insurance Group Inc. offers renters insurance. Natural disasters and high-end valuables like jewelry are not covered under a standard policy but can be added for an additional fee. Focus 1’s renters insurance also includes liability coverage to financially protect renters if they’re sued because of injuries that happen at their home.

        • Service areas: Portland, Medford and Bend
        • Address: 1420 NW 17th Ave., Ste. 588, Portland, OR 97209
        • Phone: (503) 206-6588
        • Hours: Call for hours
        • Website: focus1ins.com
        Country Financial Renters Insurance

        Country Financial’s premier renters insurance coverage includes all the items under basic coverage plus power surge damage to appliances, damage from spilled paint and damage to antique furniture. Choose liability limits up to $1 million and medical coverage up to $25,000. You can opt to get your claims for lost or damaged belongings based on their actual cash value or replacement cost.

        • Service areas: Portland and Northwest area
        • Address: 3630 SW River Parkway, Portland, OR 97239
        • Phone: (503) 646-3205
        • Hours: Call for hours
        • Website: representatives.countryfinancial.com/eric.lindberg
        Chet Hill Renters Insurance

        Chet Hill Insurance’s renters insurance covers you, your family, your guests and your personal property, even when you’re away. For a small additional premium, you can choose full-value coverage for your belongings to receive the actual replacement cost. You can also select coverage to defray medical expenses incurred by a visitor injured in your home. Chet Hill provides a mobile app to help find information on your renters insurance policy, follow up on your claim or inquire about billing.  

        • Service areas: Portland
        • Address: 10402 NE Sandy Blvd., Portland, OR 97220
        • Phone: (503) 256-2020
        • Hours: M - F: 8am - 5pm
        • Website: chethill-ins.com
        Hukari Insurance Agency

        Hukari Insurance Agency’s agents receive constant training to keep up with new insurance laws. Ask about any current discounts or promotions. Renters insurance premiums depend on the coverage amount, your credit score and your previous loss history. Typically, the monthly premium of a policy with average limits, good credit and no loss history ranges from $15 to $25 a month.

        • Service areas: Beaverton
        • Address: 7787 SW Cirrus Drive, Beaverton, OR 97008
        • Phone: (503) 291-9317
        • Hours: M - F: 9am - 5pm
        • Website: hukariinsurance.com/renters-insurance-portland
        Vern Fonk Renters Insurance

        Vern Fonk offers renters insurance to protect you financially if your personal property is damaged or stolen. The company’s agents help clients decide which renters insurance policy is right for them. Customers can make payments online, by phone or by mail.

        • Service areas: Oregon and Washington
        • Address: Serves Portland residents
        • Phone: (800) 455-8276
        • Hours: Call for hours
        • Website: vernfonk.com/renters-insurance
        by Sandi Pope ConsumerAffairs Research Team

        Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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