7 Things Nobody Tells You About Homeowners Insurance In 2025
When buying a home, you often focus on mortgage rates, property taxes, and whether the mountain view is worth it. But what about homeowners’ insurance? Most see it as another box to check, yet there’s more to it—especially in Central Oregon. Here are seven things nobody tells you, but everyone should know.
1. Not Everything Is Covered—Read the Fine Print
Many assume insurance covers all damage, but that’s rare. Standard policies often exclude floods, earthquakes, and mold. In Central Oregon, snowmelt and ice dams can cause water issues, so know what your policy doesn’t cover as well as what it does.
2. Market Value ≠ Replacement Cost
Your home’s market value and replacement cost differ greatly. Market value includes land and location; replacement cost is the amount required to rebuild. If your insurance uses market value, you could be underinsured after a total loss. Always ensure that coverage matches the replacement cost, not the purchase price.
3. Home Renovations Can Leave You Underinsured
If you’ve remodeled, added a garage, or built a deck, your insurance needs have changed. Unless you inform your insurer, your policy won’t reflect that value. Keeping your insurer updated ensures that you’re properly covered in the event of a disaster.
4. Your Personal Belongings Might Be Worth More Than You Think
Most policies limit coverage for personal items, such as jewelry, electronics, and artwork. If you’ve invested in high-value outdoor gear, consider purchasing extra coverage to fully protect it.
5. Liability Protection Is a Big Deal
Homeowners insurance isn’t just for your house—it protects you from lawsuits, too. If someone is hurt on your property, you could be liable. In our litigious world, it’s wise to increase liability coverage beyond standard limits.
6. Claims History Affects Your Premiums
Even asking about a claim can affect your insurance rates. Every claim—big or small—goes on your record. Making too many claims may label you as high-risk, which could lead to higher premiums or risk policy non-renewal.
7. Shopping Around Can Save You More Than You Think
Not all insurers are equal. Rates and coverage vary, especially in Central Oregon, where wildfire risk is a factor. Compare policies yearly to get the best deal and coverage.
Contact Us
Homeowners insurance isn’t just a formality—it protects your investment. By learning the details and considering Central Oregon-specific factors, you’ll make informed decisions and avoid costly surprises.
Get an affordable homeowners insurance quote by calling us at (541) 318-8835 or click here to connect with us online.
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