Lincoln City Insurance Agency
Lincoln City Residents — Independent Insurance Agency Since 1934
Lincoln City Insurance Agency
Lincoln City Residents — Independent Insurance Agency Since 1934
Or Get A Free QuoteLincoln City Insurance Agency — Local Coverage You Can Count On
Lincoln City is the central Oregon Coast's largest city, famous for its 7 miles of beach, the Chinook Winds Casino, glass float hunting, and world-class kite flying at the D River Wayside. Gerald Ross Agency has been serving Oregon and Northern California since 1937. As an independent agency, we work with over 50 insurance carriers to find you the best coverage at the most competitive rates.
Gerald Ross Agency is Oregon Coast's trusted independent insurance agency. We offer home, auto, business, farm & ranch, life, and wildfire insurance — all from a local team that knows your community. Call us at (541) 469-3144 for a free quote.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
Insurance Products We Offer
Comprehensive insurance coverage for Lincoln City residents and businesses.
Home Insurance
Comprehensive homeowners insurance for Lincoln City residents — including wildfire, wind, and liability coverage tailored to Oregon Coast risks.
Auto Insurance
Personal and commercial auto insurance for Lincoln City drivers — we shop 50+ carriers to find the best rates.
Business Insurance
General liability, commercial property, workers comp, and BOP coverage for Lincoln City businesses of all sizes.
Boat & Marine Insurance
Boat & Marine Insurance for Lincoln City residents and businesses — contact Gerald Ross Agency at (541) 469-3144 for a free quote.
Flood Insurance
Flood Insurance for Lincoln City residents and businesses — contact Gerald Ross Agency at (541) 469-3144 for a free quote.
Life Insurance
Term, whole, and universal life insurance to protect your family's financial future.
Why Choose Gerald Ross Agency
Independent Agency — We Work for You
Gerald Ross Agency is an independent agency representing 50+ carriers. We shop the market to find the best combination of coverage, service, and price for your specific situation — we work for you, not for any insurance company.
Local Expertise Since 1934
We have been serving Oregon Coast communities since 1934. Our agents understand the unique risks of this region — wildfire, agricultural operations, rural properties, and the challenges of the high desert climate.
Wildfire Specialty Market Access
Oregon Coast faces significant wildfire risk. Gerald Ross Agency has access to specialty carriers and surplus lines markets that can provide coverage for high-risk properties where standard carriers have withdrawn.
Comprehensive Coverage Review
We review your existing coverage to identify gaps and recommend improvements. Our goal is to ensure you are fully protected — not just to sell you a policy.
Lincoln City Insurance Agency — Frequently Asked Questions
Common questions about insurance in Lincoln City
Still have questions? Our licensed agents are here to help.
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