Eugene

About Eugene

Insurance in Eugene, OR

Inszone writes insurance in Eugene, OR from our office at 590 Pearl St., Suite 304. Eugene is the Lane County seat, on the Willamette River at the southern end of the Willamette Valley, and it is home to the University of Oregon.

Business Insurance Solutions, a Springfield agency that joined Inszone in 2023, is now part of this office, and 541-744-1806 is the number to call. The agency’s focus was business insurance, so Eugene business owners are a natural fit for this team, and the office writes personal lines as well.

We are an independent agency, so a policy can be placed with any of the insurance companies in Eugene, OR we represent rather than just one. That gives an Insurance Specialist room to compare markets at each renewal, which helps in a state where wildfire risk is part of how insurers look at a home.

Buy your insurance in Eugene, OR!

Personal Insurance in Eugene, OR

For Eugene households we write homeowners, renters, condo and auto policies, and place landlord, personal umbrella, motorcycle, boat, RV and collector vehicle policies through Inszone’s personal lines team. Students and other renters in a university town have needs of their own, and a renters policy is written around belongings and liability rather than the building.

A quote for home insurance in Eugene, OR is shaped by the age of the home, its roof and its surroundings, and by how each insurer weighs wildfire risk. Oregon repealed its statewide wildfire hazard map in 2025, so insurers rely on their own models, and an Insurance Specialist can show how each carrier treats a particular property. Earthquake, including a Cascadia event, is excluded from a standard Oregon homeowners policy and is usually written separately, as is flood.

Drivers looking for car insurance in Eugene, OR start with Oregon’s minimum liability limits of $25,000 per person, $50,000 per accident and $20,000 for property damage. Oregon also requires $15,000 of personal injury protection and uninsured motorist coverage at 25/50, so an Insurance Specialist checks a current policy for those before quoting. A new driver, a student bringing a car from out of state and a household with several vehicles each raise different questions.

Business Insurance in Eugene, OR

For Eugene businesses we place general liability, commercial property, business owner’s policies, commercial auto and workers’ compensation. A shop downtown, a contractor working out of a truck and a professional office each raise different questions, which is why an independent agency can compare more than one market. Lori Paul, Senior Commercial Account Manager, works with the office’s business clients.

Oregon has no employee-count threshold for workers’ compensation, so an employer with even one subject worker generally needs a policy. Statutory exemptions exist, including for sole proprietors and certain corporate officers and LLC members, and our insurance brokers in Eugene, OR can go through how they apply to a particular business.

Inszone Insurance agency near me

Call 541-744-1806, use the quote form on this page, or come by 590 Pearl St., Suite 304.

As an independent insurance agency in Eugene, OR, we work with households and businesses in Eugene, Springfield and the surrounding parts of Lane County. Whether you are renewing a home policy, adding a driver or setting up a business, our Insurance Specialists can talk through the options available for your situation.

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FAQs

What are the minimum auto insurance requirements in Oregon?

Oregon requires liability limits of at least $25,000 per person, $50,000 per accident and $20,000 for property damage. It also requires $15,000 of personal injury protection and uninsured motorist coverage at 25/50. Oregon is not technically a no-fault state, but personal injury protection is compulsory and pays regardless of fault.

Can my insurer use a wildfire risk map to set my premium?

Not the state’s map. Oregon repealed its statewide wildfire hazard map in 2025, though insurers still assess wildfire risk with their own models and can weigh a home’s location, roof and surroundings. A specialist can show how each carrier treats a particular property before you choose.

Does my Eugene business need workers’ compensation insurance?

Generally yes. Oregon has no employee-count threshold, so an employer with even one subject worker usually needs a policy. There are statutory exemptions, including for sole proprietors and certain corporate officers and LLC members, and a specialist can confirm how they apply to your business.

Is this the same team as Business Insurance Solutions?

Business Insurance Solutions, a Springfield agency, joined Inszone Insurance in 2023 and is now part of the Inszone office serving Eugene and Springfield. Call 541-744-1806 with questions about an existing policy.

How do I get a quote from your Eugene insurange agency?

Call 541-744-1806 or use the quote form on this page, or come by 590 Pearl St., Suite 304 if you would rather do it in person. For a home or car, have your current declarations page to hand; for a business, your revenue, payroll by job class and recent loss runs.