Bend has 103,390 residents in 44,436 households. We list 5 agencies for renters insurance in Bend. Here is what the local numbers say about the cover people here need.

Bend at a glance

5renters 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 Bend How 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

Questions

Renters insurance in Bend

All insurance agencies in Bend · Renters insurance across Oregon

Where can I find renters insurance in Bend?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does renters insurance cover?

Covers your belongings and your liability when you rent rather than own.

Do I need flood insurance in Bend?

FEMA's National Risk Index rates inland flooding risk in Deschutes County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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