Coverage we offer in Oregon

Comprehensive insurance products tailored to Oregon’s unique landscape — from Cascadia earthquake risk to wildfire-prone counties to Portland’s commercial environment.

• Auto insurance · Oregon minimums, PIP, UM/UIM, comprehensive comparison
• Home insurance · HO-3, earthquake endorsements, wildfire coverage
• Renters insurance · from $15/mo
• Flood insurance · NFIP and private
• Business Owners (BOP) · GL + property + business interruption
• Workers’ Compensation · required with 1+ employees in Oregon
• Trucking insurance · FMCSA-compliant, Weight-Mile Tax aware
• Motorcycle, RV, Boat, Pet insurance
• Term Life, Whole Life, Medicare Supplement

Why Oregon needs a local independent agent

• Cascadia Subduction Zone — earthquakes excluded from standard home policies; we handle the endorsements correctly
• Wildfire underwriting changes — post-2020 fires (Almeda, Holiday Farm, Santiam) restricted carriers in Jackson, Josephine, Lane, Klamath, Deschutes counties
• Workers’ Comp from day one — Oregon requires WC for any employer with one or more employees
• Oregon PIP at $15k — automatic in every auto policy; UM/UIM at $25k/$50k minimum
• Weight-Mile Tax — unique to Oregon for trucks over 26,000 lbs

Meet our Oregon agents

Sova has agents serving Oregon directly. Get started:

• Yuriy — Salem-based, serving Willamette Valley and statewide. English & Russian.