--- title: Portland Home Owners Insurance and Policies description: Find the right home policy for your family. Chamberlain Insurance Agency offers many different options for home owners insurance that are sure to be perfect for you. --- # Homeowner Insurance ## from Chamberlain Insurance * * * ## Homeowner Insurance It’s not easy to own a home today. You work hard and save for that investment. But what if something were to happen to your greatest asset? Every year, Oregonians endure severe damage and even loss of their homes to fires, storms, and other unexpected events. We always recommend buying a homeowner insurance policy for our clients in Gresham, Beaverton, and Portland. If the worst happens, you don’t have to use your savings or other assets to cover the loss or worse, wind up without a home. **Enjoy peace of mind with homeowner coverage** You will appreciate the peace of mind that comes with a good homeowner policy. Your dwelling is covered, as well as all your personal belongings in the home’s interior. You don’t have to worry about your appliances, electronics, furnishings, clothing, and other personal items. These are also covered in case of vandalism or theft. **What Else Does a Homeowner Insurance Policy Cover?** **You also receive liability and alternative living expenses coverage** These days, you can’t be too careful, which is why a homeowner insurance policy will also provide liability coverage for you. If someone is injured on your property and wins damages against you in court, you don’t have to pay this yourself. If you would like more coverage than a typical homeowner policy provides, you can add a personal umbrella policy up to a million dollars or more. This makes sense for most folks, but especially for dog owners or high-net-worth individuals. What if your home becomes uninhabitable at the time you file a claim? Alternative living expenses, also known as loss of use coverage, will reimburse you for the cost of living elsewhere while you repair or reconstruct your home. **Do You Have Valuables that Need Special Coverage?** **Protect high-value items with scheduled coverage** Home insurance policies typically have a cap on coverage for high-value items. No worries, you can add extra coverage for these items for a nominal additional charge: - Fine art - Antiques - Jewelry - Furs - Collectibles - Precious metals - Firearms **Let Us Customize a Homeowner Insurance Policy Just for You** **Independent agents offer more personalized service** At Chamberlain Insurance Agency, our independent agents have a larger menu of homeowner insurance products than you get with large companies. This allows us to tailor a policy that’s uniquely for your household. And you’ll enjoy unparalleled personalized service in the process. Don’t leave your home vulnerable with lack of insurance coverage. Call us at 503-256-1448 today to discuss your home insurance needs. We can help you decide how much coverage is appropriate and get a policy started right away. Feel free to reach out online too for a fast quote or questions about coverage. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](https://www.cognitoforms.com/RevBox1/ChamberlainPersonalCientFormsBundle#instant) ## Insurance Partners [Acuity — Allstate — Branch — Builders & Tradesmens — CNA Surety — Foremost Insurance — GEICO — Hippo — Liberty Mutual Business — Liberty Mutual Personal — Markel — National General Insurance — Openly — Progressive — RLI — Stillwater Insurance Group — Travelers](/insurance-companies) ## Frequently Asked Questions About Oregon Home Insurance What is the difference between market value and rebuild cost? **Market value** reflects what a home may sell for, including land and location. **Rebuild cost** focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor. What is personal property coverage in homeowners insurance? **Personal property coverage** refers to belongings inside the home, such as furniture, clothing, and electronics. Items are valued based on defined methods and limits. What is liability protection in homeowners insurance? **Liability protection** relates to situations where a homeowner may be responsible for injury or property damage involving others. It is typically included as part of a standard homeowners policy. What is loss of use in homeowners insurance? **Loss of use** refers to situations where a home becomes temporarily uninhabitable. It is associated with additional living arrangements and related expenses. What is dwelling coverage in homeowners insurance? **Dwelling coverage** refers to the portion of a policy that relates to the structure of the home itself. It is based on the estimated cost to repair or rebuild the home using similar materials. ## Start Your Homeowner Insurance Quote Chamberlain Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in Portland, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your homeowner insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) [Staff Directory](/staff-directory) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can… — Aug 4](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early… — Jul 7](/blog/2026/how-smart-home-technology-can-help-detect-problems-early) [**Factors That Impact Your Car’s Resale Value** — A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or trade it in. — Understanding what affects resale value can help you make informed… — Apr 6](/blog/2026/factors-that-impact-your-car-s-resale-value) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the difference between market value and rebuild cost?","acceptedAnswer":{"@type":"Answer","text":"Market value reflects what a home may sell for, including land and location. Rebuild cost focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor."}},{"@type":"Question","name":"What is personal property coverage in homeowners insurance?","acceptedAnswer":{"@type":"Answer","text":"Personal property coverage refers to belongings inside the home, such as furniture, clothing, and electronics. 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