Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance?

Home insurance, provided by Arnold, Bruce & Doerfler Insurance, a home insurance agency in Portland, OR 97201, is a type of coverage that offers financial protection for your home and its contents against various risks and perils. It helps safeguard your investment by covering repair or replacement costs in case of damage to your dwelling or personal belongings due to events like fire, theft, vandalism, or natural disasters.

Arnold, Bruce & Doerfler Insurance, your trusted home insurance agency in Portland, OR 97201, specializes in tailoring home insurance policies to suit the unique needs of homeowners in the area. Our comprehensive home insurance coverage options include dwelling protection, personal property coverage, liability coverage, and additional living expenses coverage. We understand that every home is different, and we work closely with you to ensure that you have the right coverage to protect what matters most.

By choosing home insurance with Arnold, Bruce & Doerfler Insurance, you're making a wise decision to safeguard your home and your family's well-being. Our experienced team is dedicated to helping you understand the intricacies of home insurance and guiding you through the process of selecting the coverage that suits your specific requirements. With our personalized approach and expertise, you can enjoy peace of mind, knowing you're covered by a reputable home insurance agency in Portland, OR 97201.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

    Contact us to learn more about the right homeowners insurance for you.
(503) 222-1951​
1405 SW 14th Ave
Portland, OR 97201​
Click Here to Email Us
Home Insurance Quote
Get a home insurance quote today