Home Insurance in Bend, Redmond & Central Oregon

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Home insurance in Central Oregon has gotten harder to shop, especially if you live near the trees. As an independent agency, we're not tied to one company. We look at more than one option, explain the differences and help you choose. We're right here in Redmond, and our help costs you nothing because the insurance companies pay us.

• Straight answers about what your policy covers and what it doesn't
• A second look at renewal if your premium jumps or you get a non-renewal notice
• One local agent for your home, auto and more

For home insurance, we work with Branch, Liberty Mutual and Foremost. When a home is hard to place, usually because of wildfire risk, we can also help you apply to the Oregon FAIR Plan. Prefer to do it yourself? You can get an instant quote with Branch and still call us with questions. With Branch, you can earn premium savings of up to 5% when fellow Branch users vouch for you through their community-based program.

• Dwelling: Repairs or rebuilds your house after a covered loss like fire, wind, hail or a burst pipe.
• Other structures: Detached garages, shops, barns, fences and sheds.
• Personal property: Your furniture, clothes, tools and electronics.
• Liability: Protects you if someone is hurt on your property or you accidentally damage someone else's.
• Loss of use: Helps pay for a place to stay and extra costs if you can't live at home after a covered loss.

Flood and earthquake are usually not included in a standard policy and need separate coverage. Ask us about them.

Wildfire risk. Many homes here sit in or near forest and juniper country, and insurers take that seriously. In 2025 Oregon repealed the statewide wildfire hazard map (SB 83). Oregon's Division of Financial Regulation notes that insurers still use their own wildfire risk models, so wildfire still affects whether a home can be insured and what it costs. Defensible space, ember-resistant vents, a non-combustible roof and cleared gutters can help. Make sure your dwelling limit would really rebuild your home at today's costs, and if you're having trouble finding coverage, talk to us before your policy lapses. If regular carriers won't write your home, often because of wildfire risk, we can help you apply to the Oregon FAIR Plan, Oregon's insurer of last resort.

Ranches, acreage and hobby farms. We write farm and ranch coverage for properties around Terrebonne, Powell Butte, Prineville, Madras and beyond. A standard homeowners policy isn't built for barns, livestock, equipment or farm activity. A farm and ranch policy covers your home along with your outbuildings, equipment and farm liability. Tell us how you use your land, and we'll match the coverage to it.

Second homes and cabins. Many Sunriver, Bend and Black Butte–area homes sit empty part of the year. A seasonal or secondary home can need different coverage than the home you live in full-time, especially around vacancy, frozen pipes and winter break-ins. Tell us how often you're there, and we'll make sure it's insured the right way.

Snow load. Heavy snow years can stress roofs, decks and carports, and freezing temperatures can burst pipes. Ask how your policy handles roof collapse from the weight of snow and ice, and keep your home heated while you're away.

• Renters insurance protects your belongings and liability for an affordable price. Your landlord's policy doesn't cover your stuff.
• Condo insurance (HO-6) covers the inside of your unit, your belongings and your liability, filling the gaps in your HOA's master policy.
• Landlord (rental dwelling) insurance covers homes you rent to long-term tenants. We write coverage for the building, lost rental income and your liability as the owner.

Many carriers offer a discount when the same company insures your home and your vehicles. Bundling also means fewer bills and one agent to call. Visit our Auto Insurance page and ask us to quote both together.

Can I get home insurance in a high wildfire risk area?

Often, yes, though choices and prices vary. We'll check our regular carriers first. If none of them will write the home, we can help you apply to the Oregon FAIR Plan, the state's insurer of last resort for hard-to-place homes.

Does home insurance cover wildfire smoke damage?

Fire is a standard covered cause of loss, and smoke damage is often covered too. Read your policy's wording, or ask us to review it with you.

Can you insure my rental house or my ranch?

Yes. We write landlord coverage for homes rented to long-term tenants, and farm and ranch policies for acreage, outbuildings, livestock and equipment.

Is flood or earthquake covered?

Not on a standard homeowners policy. Both are available separately.

What if my insurance company non-renews me?

Call us as soon as you get the notice. That gives us the most time to find replacement coverage before your policy ends.

Do you charge for quotes?

No. Our help is free to you.

From first-time buyers in Redmond to ranch owners and second-home owners in Sunriver, we'll help you find the right coverage.