Homeowners Insurance in Gold Beach, OR
Without home insurance, you may be vulnerable to financial loss should a covered risk damage your property. At Murray Insurance Services, we’re here to help you assess your coverage needs and find a suitable policy.
What Does a Policy Cover?
A home insurance policy typically includes the following coverages: 
- Liability coverage may help pay for medical expenses and other costs if you’re responsible for causing bodily injuries or property damage to a third party.
- Dwelling coverage may cover your home’s repair costs after a burglary, fire, vandalism or certain natural disasters.
- Personal property coverage may help cover the repair or replacement of your appliances, electronics and furniture, up to policy limits.
- Additional living expenses coverage may help pay for your shelter, food and other necessities if a covered risk renders your home uninhabitable, forcing you to relocate temporarily.
How Does the Claims Process Work?
If your home is damaged by a covered event, you can file a claim with your insurance company. An adjuster will be assigned to assess the damage and review your policy coverage. Once your claim is approved, the insurer will offer a settlement. If your policy includes a deductible, you must pay that amount for repairs before the insurance may cover the remaining costs.
How Much Does It Cost?
The cost of a home insurance policy in Oregon may depend on the following factors:
- ZIP code
- Property value
- Claims history
- Policy specifics (e.g., coverage limits, deductible)
If your quoted premium does not meet your budget, here are a few ways you can reduce your rate:
- Increase your deductible.
- Bundle your home insurance with your auto, boat, motorcycle or RV policy.
- Install safety alarms and smart home systems.
- Retrofit your home to be more disaster resilient.
Secure a Policy Today
Contact Murray Insurance Services to learn more about our home insurance offerings or request a personalized quote.