Oregon Renters Insurance From Effective Coverage Protects You Across The Beaver State
Why The Beaver State? The early history of Oregon is connected to beavers, and some claim that beavers are intelligent and industrious. That association has stuck over the years, and the beaver is the official state animal. The beaver also has a home on the state flag.
Oregon is additionally known as the web-foot state, for the significant amounts of rain that fall here. Oregon was called The Hard Case State because of the hardships encountered by the first people to make their home here in the early days of settlement.
The state’s name, Oregon, is said to have come from a French Canadian word that means storm or hurricane. The Columbia River may have been called the “River of Storms” by French Canadian fur traders.
Rivers and mountains that once posed serious threats to traders, explorers, and settlers now are simply natural beauty for residents to enjoy. Oregon is filled with natural beauty and opportunities for outdoor recreation and the state has gone to great lengths to preserve and make these opportunities available to everyone. Whether you prefer biking or want to spend some time on the Oregon Coast Trail, the state has much to offer.
While you may enjoy outdoor recreation, you’ll probably want to live in or near one of Oregon’s many cities. Fortunately, Oregon may well be the state offering the most ideal balance between nature and cities. You’re looking for amenities, a reasonable cost of living, safety, good schools, an acceptable median household income, and friendly people.
If you’re moving to Oregon in 2021, you’re also searching for affordable apartments that give you the quality of life you deserve without breaking the bank. Don’t forget to protect that lifestyle with Oregon renters insurance. While real estate values have risen in recent years, many people choose Portland if they’re moving to Oregon because it’s often still affordable and offers the benefits of a major city. Portland is the largest city in Oregon, boasting half a million residents. If you like varied weather, reasonable local politics a little to the left of center, and a city built around transplants, Portland will appeal to you.
There is a significant size difference between Portland and other cities in Oregon. If Portland is too big for you, Eugene is the next largest city and just under two hours down the road. 156,000 Eugene residents are waiting for you to join them. The outdoors is important to residents, and the city has over 4,000 acres of parks and forests. Natural resources and tourism are a significant part of the economy here. Both lumber and agriculture are major economic sectors.
Salem, OR is just an hour outside Portland. In any other state, Salem would be the suburb from which Oregon renters drove into Portland to work. But in Oregon, people tend to work close to home, spend less time on the interstate, and drive a little less. Fortunately, Salem is a city in its own right as well as the state capital. 154,000 people call the city home. If we had to equate it to a state capital anywhere else in the country, an appropriate sister city might be the capital of Vermont. Both Salem and Montpelier are small capitals where people are just as likely to work for the family business as for the government. You’ll find a friendly atmosphere with small town charm in Salem.
Gresham has a rapidly growing population of renters. This is largely due to nearby companies like Boeing offering solid twenty-first century jobs to residents and attracting talent to the city. Just twelve miles from Portland, the cities are technically adjacent. Like other Oregon cities, there is a focus on parks and outdoor recreation but Gresham and Portland also offer much more in the way of entertainment and employment options.
Other important cities to consider if you’re relocating here include Hillsboro, Beaverton, Bend, Medford, and Springfield. All of them offer great opportunities for you and your family. Moving to Oregon in 2021 is more popular than ever. Not only are there plenty of jobs and a growing economy, but more and more jobs can be done from anywhere. This offers the perfect chance to live somewhere that offers everything you want while still keeping your career on track.
If you’re looking for other good reasons to move to Oregon, remember that the minimum wage is higher and you don’t have to pump your own gas. Adults are treated like adults and may choose their recreational substance of choice when off the clock. (Federal law says that your employer may disagree in certain scenarios, such as government contractors, so beware!) Clean air and water abound. It’s beautiful regardless of the time of year. Whether you want mountains or the coast, there is something here for you and Oregon is full of hope for you and your family.
Many famous and successful people have come from Oregon or moved to Oregon.
- Kenneth Acker, a cornerback for the 49ers
- Neil Everett, ESPN sportscaster
- Clark Gable, actor
- Herbert Hoover (moved to Oregon), US President
- Bettie Page, well-known model
The full list of important people from Oregon is much longer, of course. Oregon is a great place to live and a great place to rent a home. It’s easy to protect your family with affordable Oregon renters insurance no matter where in the state you choose to live. Whether you live in a rented home, an apartment, or some other living situation, renters insurance in Oregon protects you and your future.
2021 Oregon Renters Insurance Guide Table Of Contents
- Does Oregon Renters Insurance Cover Floods?
- What Does Oregon Renters Insurance Cover In 2021?
- Why Do I Need Liability Coverage On Oregon Renters Insurance?
- How Much Does Oregon Renters Insurance Cost In 2021?
- How Can I Buy Oregon Renters Insurance?
- Oregon Renters Insurance Fast Facts
- Bonus Section: 2021 Guide To Renting In Oregon
Does Oregon Renters Insurance Cover Floods?
- All floods are water damage, but not all water damage is a flood.
- Burst pipes are covered losses. Water moving along the ground is not.
- Liability for water damage that impacts your neighbors is covered by renters insurance in Oregon.
What is a flood under insurance? All water damage is not a flood, though people often colloquially refer to it that way. A flood is defined as water moving along, through, or under the ground. Flood is not a covered loss on Oregon renters insurance, or on any insurance policy other than flood insurance. You can get contents coverage for floods as a renter. It’s a separate type of policy, and most of the underwriting risk on flood insurance is taken by a Federal program.
Is any water damage covered by renters insurance in Oregon? Absolutely. A burst pipe is a covered loss. A frozen pipe is also a covered loss. The pipes themselves aren’t covered by your policy, but they’re not your responsibility. If your neighbor goes away for the weekend in the winter and leaves their windows open or forgets to turn on the heat, the water damage from those frozen pipes to your property would be covered.
Renters insurance covers a number of different types of damage to your personal property from water, along with many other types of damage. That coverage is simply part of your policy. Both the coverage and the specific language that shows floods are not covered can be found in the policy document. The best way to understand your policy is to read it, but if you have questions about renters insurance in Oregon, Effective Coverage has insurance experts who are here to help. Just call (800)892-4308.
What Does Oregon Renters Insurance Cover In 2021?
- Your policy provides broad coverage, but it’s important to read the policy document.
- Personal property is covered against a list of perils named in this policy.
- You can expand the coverage to “open perils” for just a few dollars a year.
Coverage under your policy is broad and designed to cover many of the most devastating losses that a family might face. Your personal property is covered at replacement cost against a long list of covered renters insurance perils. Each one is carefully defined in the policy – it may look daunting, but if you take the policy section by section, it quickly becomes clear what is intended to be covered and what is not. There are several broad groups of perils against which your property is protected.
Things That Go Boom
Perils in this group include fire or lightning, explosion, smoke, volcanic eruption, and sudden and accidental damage from artificially generated electric current. All of these are sudden, unexpected, and catastrophic.
It doesn’t matter whether a fire is due to your negligence or just one of those things that happens, the coverage is there for you. Smoke includes smoke from a neighbor’s fire. It does not, of course, include damage from your intentionally lit smoking materials.
These perils all move swiftly, and cause a great deal of damage quickly. There’s no predicting many kinds of fires, and fire and smoke damage are nearly instant. The damage can easily extend to your entire home or the entire building. They also almost invariably require you to live somewhere else, and the covered loss triggers coverage for those additional living expenses as well as for the personal property that’s damaged.
Things That Go Thump
Perils in this group include aircraft and vehicles that you do not own. These perils include parts of aircraft, so if you live near an airport and something falls off a plane you’re covered as long as it comes through the walls or roof of your home to damage your property. Vehicles you don’t own are covered as well.
Vehicles enter buildings more frequently than anyone like to think about. It usually causes a significant loss, and there’s another wrinkle. Many people drive with insufficient auto insurance. The state minimum coverage is simply not enough when dealing with the sort of property damage that comes from driving into a building.
Oregon only requires that drives have $20,000 of property damage liability. You, the landlord, and anyone else who suffers damage from that accident will be looking to collect against that coverage. Oregon renters insurance pays for the damage to your personal property as well as your additional living expenses, and then it’s your insurance company’s problem to collect from the driver rather than yours.
Things That Go Dangerously In The Night
Does renters insurance in Oregon protect you against crime? Absolutely. Riot or civil commotion is a covered loss. While this sounds like an unlikely risk in, say, Portland or Gresham, riot or civil commotion is broader coverage than it sounds.
A riot or civil commotion doesn’t have to mean the entire city is on fire. It can be a much smaller disturbance than that. Any disturbance involving a group of people is likely to cause significant property damage and your policy covers that loss.
Vandalism or malicious mischief is covered be your policy as well. That could cover anything from kids with a can of spray paint to major damage caused by an ex who doesn’t live with you – or who did live with you, but no longer does.
YouTube and similar sites offer a wide variety of examples of such behavior. Vandalism and malicious mischief by a former romantic partner is an incredibly common way to inflict violence upon you without actually assaulting you.
Theft is also a covered peril on your Oregon renters insurance. That theft could be from your home, your car, or even while you’re on vacation. Your personal property is protected wherever you happen to be. Your coverage travels with you to ensure that you’re protected.
Things That Go Whoosh
Does renters insurance in Oregon protect you from weather risk? Absolutely. While western Oregon is known more for rain, snow is not unheard of. The rest of the state gets more snow. Wherever you live, damage caused by the weight of ice, snow, or sleet is covered. Generally this would be in the form of damage to the roof, but there is other coverage as well.
Don’t forget that liability protects you from the risk of someone falling on ice on your premises, because both you and the landlord would be sued if that happened – no matter whose responsibility the lease says it is to clear the precipitation. Your policy also protects you against windstorm or hail. While Oregon doesn’t have much of a risk of hurricanes or tornadoes, there is certainly risk from wind and hail.
Things That Go Snap, Crackle, or Pop
Accidental discharge or overflow of water or steam is covered, but what does that mean? The coverage is specifically in reference to discharge from plumbing or heating systems. Broken pipes, old water heaters that burst, and even steam escaping from a broken radiator are covered losses. These pipes and systems run through your entire home, as would the damage from such a break.
Sudden and accidental tearing apart, cracking, or burning refers to pipes, plumbing, steam or hot water systems, air conditioning systems, and fire protection sprinkler systems. These things sometimes happen even when preventative maintenance is properly completed. While most landlords follow best practices, defects in materials or workmanship are statistically unavoidable. You shouldn’t have to suffer as a result, and your policy is there to protect you. You’re even covered against water damage from frozen pipes.
As you can see, renters insurance in Oregon offers broad coverage from the most common and damaging risks that you face. But there’s more to the policy than protecting your personal property. We’ve mentioned both liability and additional living expenses coverage on your policy, what are they about? Are they necessary parts of your policy? The insurance experts at Effective Coverage have the answers, read on.
Why Do I Need Liability Coverage On Oregon Renters Insurance?
Oregon renters insurance is a package policy. The standard policy form comes with personal property coverage replacement cost, loss of use, medical payments to others, and liability. The policy form includes all of these types of coverage because they work together to protect you. Liability is the reason your landlord requires you to have a policy in 2021, to ensure that any damages caused by tenant negligence can be covered without the landlord’s insurance company having to sue a tenant personally.
Liability coverage pays for bodily injury or property damage that’s caused by your negligence. If you leave the window open in your apartment in Portland and go on vacation for more than 48 hours or so, there will be damage from the rain. Your downstairs neighbor will also suffer a loss from your negligence when the water leaks down into their apartment. You need liability coverage on renters insurance in Oregon to pay for unexpected, and even unlikely, losses just like this that you cause others to suffer.
The chances of you being sued over that water damage may be small, but many liability claims do involve a lawsuit. You have to be proven to be responsible for the loss before you can actually be held responsible to pay for it. A slip and fall or accidental property damage that you cause to someone else can result in a lawsuit that requires tens of thousands of dollars of defense costs. Your policy pays for these costs, as well.
Defense coverage on your policy is outside the limits of the policy. That means that the amount of money the insurance company spends on your defense is irrelevant to the amount of money available to pay the claim. Your liability limit is not affected by the costs of your defense. It just makes sense for the insurance company to have a duty to defend on renters insurance because it prevents false or fraudulent claims from being paid. This protects the integrity of claims and also ensures that premiums remain affordable.
Liability coverage protects your family as well. You as the named insured are covered, as are resident relatives, your spouse who lives with you, and specific children who are in your care. Even some intentional acts by children are covered, because they’re presumed not to understand the full consequences of their actions. If your kids under 13 get into a fight or accidentally cause property damage, the coverage is available.
When you have liability coverage on your policy, your future and your future assets are protected. If you were sued for bodily injury or property damage and didn’t have a policy, you’d be responsible for the defense costs as well as the costs of the judgement. Those costs would follow you around for the rest of your life.
How Much Does Oregon Renters Insurance Cost In 2021?
- The average price of Oregon renters insurance is $15.00 a month.
- Having a policy is always more affordable than going without coverage.
- Many people pay for the year, but easy payment options are available.
What does it cost not to have renters insurance? Replacing everything you own after a fire would cost you tens of thousands of dollars. A liability claim could cost you hundreds of thousands of dollars between the damages and the costs of mounting a defense. If you can’t afford a defense, you might have to pay for damages you didn’t actually cause because a defense is the only way to prove it’s not your responsibility.
On the other hand, the cost to have Oregon renters insurance is surprisingly affordable. Most people pay about fifteen dollars a month for all of the protection their policy provides. Renters insurance costs less than a pizza a month. Often, you can pay even less. The coverage you’re paying for saves you thousands of dollars when there’s a loss, and the cost to you is quite minimal.
While many people choose to pay for the entire year because the policy is so affordable, there are options for payments. It’s easy and affordable to get covered, and Effective Coverage has worked tirelessly to ensure that renters insurance can be available to everyone because everyone deserves the protection.
How Can I Buy Oregon Renters Insurance?
Effective Coverage has worked hard to ensure that Oregon renters insurance is easily accessible to everyone. You don’t need to spend time comparing options, because our system automatically does that for you. If you have questions, we have plenty of answers online and an insurance expert is just a phone call away at (800)892-4308. You can buy a policy online in just sixty seconds by clicking above, or call and get all your questions answered by an expert.
Oregon Renters Insurance Fast Facts
- The average price of renters insurance in Oregon is about fifteen dollars a month,.
- Renters insurance in Oregon protects more than just your property in 2021!
- The average fire loss per structure is $20,700 according to the NFPA.
- Oregon renters insurance is designed to protect your family, but not roommates.
- Your policy defends you and pays for the loss up to the policy limit, if you’re liable.
- Renters insurance protects you from liability risk, risk to your personal property, and costs incurred following a covered loss
It’s quick and easy to get started! You can click above and get covered in sixty seconds, or call (800)892-4308 to speak with an insurance expert who will take the time to make sure you have the coverage you deserve.
Bonus Section: 2021 Guide To Renting In Oregon
Your Rights And Renting An Apartment In Oregon
- As a tenant in Oregon, you have rights that you should understand.
- Some rights come from your lease, some from the law.
- You have the exclusive right to possess the apartment, but there are reasons the landlord can enter.
- Your apartment must be habitable, as per Oregon law.
If you’re renting a home in Oregon, you should know your rights. Your lease gives you some rights, but the law also gives you rights as well. Your lease and the law also create obligations for you and for the landlord. You have the exclusive right to possess the apartment, and the landlord needs to give you proper notice before entering, or follow proper procedures if he doesn’t want to rent to you anymore.
Your exclusive right to possess the apartment does not mean that the landlord can never enter. 24 hours notice is sufficient, unless there is an emergency. Landlords can enter the apartment in an emergency or to protect their property.
If there is a water leak, for example, the landlord can enter and fix it with or without notice. The landlord needs to maintain the home in a habitable condition, as well. That’s required by the law, not by your lease.
What is “habitable” when it comes to an Oregon apartment? Your apartment needs to be safe to live in. There can’t be any infestation when you move in, and there needs to be appropriate wiring, plumbing, heating, and weatherproofing. The landlord generally can only make you pay for utilities that are used in your own apartment, not in common areas or other rental units.
If there are necessary repairs, the landlord has to make them. The repair is on the landlord if it’s normal wear and tear, but you can be charged for the repair if it is your fault. You have some options to force repairs when need be, but you’d be well advised to contact a lawyer before availing yourself of them.
What Housing Discrimination Protections Do You Have In Oregon?
There are Federal, state, and local laws that protect you against housing discrimination in Oregon. Federal law protects you against discrimination based on race, color, national origin, religion, sex, family status, or disability. Note that these protections may not apply in smaller buildings where the landlord lives, or if the landlord rents a part of their home.
It’s also important to know what discrimination on the basis of family status means. The landlord is bound by local codes and certificates of occupancy. If the home can only legally house two people, the landlord cannot rent to you, your spouse, and your child or children. That’s not discrimination. Discrimination would be when an apartment can and may be legally rented to you, but the landlord tells you that it’s not available because of your family status.
The landlord cannot refuse to provide the chance to rent, refuse to negotiate a rental, lie about availability, treat someone differently based on a protected class, or attempt to remove a tenant because of their status as a member of a protected class. It’s also illegal in Oregon to refuse to rent to someone based on a previous arrest or certain types of criminal convictions, or because of an eviction more than five years ago. Additionally, Section 8 tenants in Oregon are protected against discrimination. A landlord cannot refuse to rent to you because you have a Section 8 voucher. If the apartment is not compliant with Section 8 rules, that’s a different matter.
If you have a disability, Oregon law gives you the right to make changes to your rental home to allow you to use it. This might include a wheelchair ramp, for example. The landlord does not have to pay for these changes in market-rate housing. Some subsidized housing may require the landlord to pay for these changes. Any rules the landlord sets must apply to all tenants – a curfew for children that does not apply to adults would not be legal, for example.
Landlord Rules In Oregon
An Oregon landlord can set rules for the use of the property, including the yard and other associated areas. These rules are legally enforceable as long as they meet a few criteria. The rule needs to protect tenants, protect property from abuse, or fairly provide services to all residents. The rule must be related to its purpose. The rule also has to be clear enough to be easily understandable.
Landlord rules must be applied to all tenants in a fair and reasonable way. Rules made by the landlord can’t be designed to help the landlord avoid their legal obligations. The tenant needs to get a copy of the rules when signing the lease, or when they come into force. Rules are common, and they may or may not be part of your lease. They’re a convenient way for the landlord to make sure that tenants treat the property reasonably, avoid problems, and help ensure peace between tenants. Rules also help to clarify who can and may occupy an apartment to help the landlord remain in compliance with occupancy codes.
Apartment Costs In Oregon
There are many fees and charges that you can expect to pay in Oregon when renting an apartment. What’s allowed? What can you be required to pay? What should you never pay? These are common questions, and the security deposit is the most common fee to be questioned.
In Oregon, your security deposit is money that you deposit with the landlord to cover the costs of damages at the end of the lease beyond normal wear and tear. Normal wear and tear does not give the landlord the right to retain damages from your deposit, of course. Oregon does not set a maximum security deposit, it can be any amount your lease requires. The landlord needs to give you a receipt, but does not have to pay any interest on the deposit.
It’s common in Oregon to require last month’s rent to be prepaid. If you pay prepaid rent, it can be applied to your final month. If additional rent is owed when you move out, it can be taken from your security deposit. Prepaid rent may not be applied towards anything except rent. If you move out with damages in excess of your security deposit and pay your last month of rent, the prepaid rent must be returned to you.
An additional deposit cannot be required during the first year of your lease unless there is a change to the lease. That might be something like a pet deposit, which requires a change in the lease to allow you to have a pet. If an additional deposit is required after the first year of the lease without a relevant change to the terms, you have at least three months to pay the additional deposit.
The landlord can also require you to pay a deposit to hold an apartment. If you move in, the deposit is applied to your rent or refunded. If you don’t move in, the landlord can retain the deposit.
There are some fees that are non-refundable. An early termination fee is a fee to terminate your lease before the end of its term. The maximum amount is a month and a half of rent, and it doesn’t apply to certain military members and certain domestic violence victims. Often this fee will be written into your lease, but if you need to move before the end of the lease it may be negotiable as well.
Late fees are common, but can only be charged when they are made a part of the lease. A late fee can’t be charged until four days after rent is due, and failure to pay a late charge does not give the same grounds for termination of a tenancy that failure to pay rent would. A late fee can be a reasonable flat amount once per rental period, a reasonable per-day amount not more than six percent of the rent, or five percent of your rent per five days the rent is late.
Screening fees are permitted in Oregon. These fees help the landlord to recoup the costs of the checks that they run on prospective tenants. There are disclosures that must be provided based on the screenings that are conducted, and if you don’t get the apartment the landlord must tell you in writing what company provided the information that led to the decision.
The law allows a number of other fees to be charged by your landlord, and your lease may permit others. These are standard parts of most rental agreements. When you’re renting an apartment in Oregon, communication is crucial – most fees must be disclosed in advance before they are charged.
Finding an Apartment In Oregon
Depending where you’re looking, finding an apartment can be easy or challenging. In cities like Portland, Eugene, Salem, and Gresham, you’ll have to work all available sources to find apartments and you’ll need to move quickly. If you’re renting with roommates, you’ll want to view the apartment with them so you can all apply together. You’ll want to pay attention to occupancy requirements and make sure that the apartment will fit the number of people you want to put in it.
In smaller cities in Oregon, there may be lower competition for any individual apartment but there also are fewer apartments to choose from. Often, you’ll find apartments that don’t need to be shared in these smaller cities. You’ll also find apartments with historical charm in these smaller cities, and features that make your house feel more like a home.
Finding an apartment in Oregon doesn’t have to be difficult, and neither does protecting it. Living in Oregon is a great choice, no matter which part of the state you choose. When you’ve found the perfect apartment, get the perfect protection with Oregon renters insurance from Effective Coverage. You can get covered in under a minute by clicking above, or call our insurance experts at (800)892-4308.
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