Summer in Oregon means sunshine, outdoor adventures, and, unfortunately, the start of wildfire season. With record-breaking heat and increasingly dry conditions becoming more common across the state, wildfire risk is on the rise. Over the past five years, Oregon has experienced several destructive wildfires, including the 2020 Labor Day fires that burned more than 1 million acres, destroyed over 4,000 homes and structures, and became some of the most devastating in state history.
As we prepare for another dry summer in 2025, now is the time to ask: Is your homeowners’ insurance ready to protect your home and belongings in the event of a wildfire?
At Elliott, Powell, Baden & Baker Insurance, our experienced Personal Lines team is here to help Oregonians like you understand exactly what your policy covers—and just as importantly, what it doesn’t. We’ll review your current coverage, identify any gaps or limitations, and ensure you have the proper protection in place for the season ahead.
What Does Homeowners Insurance Typically Cover in the Event of a Wildfire?
Most standard homeowners insurance policies in Oregon include wildfire protection, but it’s essential to understand each component of your policy:
Dwelling Coverage
Covers the cost to repair or rebuild your home if it’s damaged or destroyed by wildfire. This includes the main structure and any attached features, such as garages, decks, or porches.
Personal Property Coverage
Helps replace personal belongings lost in a wildfire, such as furniture, electronics, clothing, and household appliances. Be sure to keep an updated inventory of your items.
Additional Living Expenses (ALE)
If your home becomes uninhabitable due to wildfire damage, ALE coverage helps pay for temporary housing, meals, and other living costs while your home is being repaired or rebuilt.
Other Structures Coverage
Protects structures on your property that are separate from your home—like sheds, fences, or detached garages, if a wildfire damages them.
Liability Coverage
Protects you financially if someone is injured on your property during a wildfire or if you’re found responsible for damage to someone else’s property. It can help cover medical bills and legal fees.
Be Proactive. Be Protected.
With wildfires becoming more frequent and intense in Oregon, being proactive about your insurance coverage is one of the smartest steps you can take. The team at EPB&B Insurance is here to provide personalized, expert guidance to ensure your coverage keeps pace with changing risks. Contact us today for a free policy review and stay fire-ready this summer.