Home Insurance Agencies in Bend, OR

Bend at a glance

• 5home insurance agencies listed
• 38.3%of households rentRenters insurance
• $718,400median home valueHome insurance
• 2001median year homes were builtRebuild cost calculator
• 4.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Deschutes County

FEMA rates the overall natural hazard risk in Deschutes County, where most Bend agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

• WildfireRelatively High

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Bend
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Bend
• Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Oregon

Oregon requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. It also requires personal injury protection ($15,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in BendHow much liability cover do you need?

Source: oregon.gov. Checked 2026-10-24.

Where Bend agencies are

Bend agencies we list sit in 4 ZIP codes, mostly in Deschutes County.

• 977032 agencies
• 977011 agency
• 977021 agency
• 977091 agency