Renters Insurance - Portland, Oregon
Affordable Renters Insurance for Oregon and the Pacific Northwest
Based in Portland, Oregon, EPB&B Insurance knows the the needs of renters across the state of Oregon and around the Northwest. From Baker City to Gresham and beyond we can help you have peace of mind that your possessions are taken care of. Get A Renters Insurance QuoteDo you need Renters Insurance?
Renters insurance might be for you if you do not own the property you reside in, but would like to keep your posessions protected.
Have you ever tried to put a dollar amount on the items you personally own? The cost of replacing your laptop, your favorite comfy couch, or your killer shoe collection could be expensive should you lose them in the event of an accident. It is critical to note that the Dwelling Fire Insurance policy of the property owner does not cover your renters items if they are damaged or destroyed.
At EPB&B we work with renters across Oregon and Washington, including Vancouver, Beaverton, Hillsboro, Lake Oswego, Tigard, Salem and more.
How an Independent Insurance broker can help
EPP&B of Portland, Oregon, will help you find the best renters’ insurance policy that will protect your personal belongings and assets, help you avoid liability issues. We’re real people right here in the Rose City that take care of you in case of forced relocation due to a covered loss.
Finding out how much renters insurance is for your situation is quick and easy, and is worth investigating if you live in an apartment, condo, ADU or single-family residence. Consider a bundled insurance plans to take advantage of discounts.
What does Renters Insurance cover?
- Replacing personal belongings inside the dwelling due to a covered loss.
- Provides temporary relocation assistance if you need to stay somewhere else while your rented residence is being repaired due to a covered loss.
- Protect your personal assets if you are found liable. Examples: Your child throws a baseball, breaking a neighbor’s window, or you accidentally leave the bathtub running, overflowing, and causing damage to the rented home.
- It can also extend to your means of transportation, covering items stolen from your car or a stolen bike, subject to your deductible.
It’s important to note that this is a very high-level view of renters insurance, and costs vary across the communities of Oregon and Washington. Most policies have many additions or endorsements that can be added to enhance your insurance policy to fit your needs. At EPB&B, our account managers are proficient in each company’s insurance policy and are here to help you find the right renters insurance coverage.
DISCLAIMER
Some policies are different from what’s described here. Be sure to read and understand your individual policy or contact us if you have questions.
FAQ’s
What does renters insurance NOT cover?
Renters insurance does not cover the physical structure of the building (landlord’s responsibility), damage from earthquakes or floods, pest infestations, or damage caused by intentional acts or negligence. It also typically excludes or limits coverage for high-value items (like jewelry/art), cars, and roommate belongings. Each situation is different and our expert team can help fin the right coverage for you.
Is renters insurance required in Oregon?
Though renters insurance is not legally required in Oregon it is highly recommended to keep your possessions safe and avoid liability issues. Many landlords make it mandatory in lease agreements.
Is renters insurance worth having?
Yes, it’s affordable ($10–$50/month) and covers expensive losses like stolen electronics, fire damage, or lawsuits from injuries in the rental. Call our team today to get a quote on renters insurance for your situation.
