Exceptional Homeowners Insurance

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Purchasing a home is one of the biggest investments you’ll make. Keep your family and home safe with homeowners insurance that provides the coverage you need most. Insurance Lounge compares rates from numerous providers across Oregon to find the best policy for your home.

What Does Homeowners Insurance Cover?

Signing up for a homeowners’ insurance policy can provide coverage for damage resulting from the following:

Damage from fires and smoke
Wind or hail damage
Frozen pipes that burst
Burglaries or damage to personal belongings
Water damage from a broken water heater, HVAC system, or other appliances
Falling trees or other objects that hit the structure
Lawsuits from people who get injured on your property
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What Affects Your Home Insurance Rates?

The materials your house was built with, its square footage, and the building’s age have a significant impact on home insurance premiums. Your neighborhood, past insurance history, and bundling options could also affect your insurance rates. No matter what kind of home you have, homeowners insurance will help protect your property and what’s in it, including your family.

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Common Home Insurance Coverage Types

Most homeowners policies are "package policies“ that cover property damage and liability injuries, depending on the coverage you purchase. The most common types of homeowners insurance are:


Dwelling coverage includes the cost of rebuilding or repairing your home after a fire or natural disaster. Dwelling coverage is usually included in your homeowners policy as a covered hazard. This means your house and connected structures, like a garage, should be protected.

Personal Property

Personal property is categorized as everything you own on the property that isn’t the home itself, like furniture, clothing, electronics, etc. Adding personal property coverage to your policy is encouraged to help protect or replace belongings after a fire or burglary. Having to replace all of your belongings out of pocket would be difficult, so personal property coverage is here to help.


Personal liability protects you from lawsuits related to injuries or property damage that you or your family, including pets, may cause to other people. Depending on your policy, liability coverage may pay for the costs of defending you in court and cover the settlement that’s awarded in a lawsuit.

Insurance Lounge is committed to making it easy for homeowners in Oregon and other states to find the perfect policy. With a team that’s focused on technology and innovation, we’re creating new ways to make shopping for insurance more transparent. We’ll work with you to understand your needs and find the best deal on the market. Contact us at 1-800-211-8660 or fill out our form to get a free quote today.

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