Oregon Coast Wildfire Insurance

Comprehensive wildfire protection for Oregon Coast homeowners and businesses — from Brookings to Astoria

Wildfire Insurance for Oregon Coast Properties

The Oregon Coast faces unique and growing wildfire risks. The Siskiyou Mountains near Brookings, the Coast Range forests, and the interface between coastal communities and dense timber create conditions where wildfire can threaten homes with little warning. The 2002 Biscuit Fire, the 2020 Chetco Bar Fire, and other major events have demonstrated that Oregon Coast homeowners need robust wildfire coverage. Gerald Ross Agency has been protecting Oregon Coast families since 1937 and specializes in finding comprehensive wildfire insurance — including coverage for properties that standard carriers have declined.

Gerald Ross Agency

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

What's Covered

Dwelling Coverage

Full replacement cost coverage for your home if destroyed by wildfire — rebuilt to current building codes.

Personal Property

Covers your belongings destroyed in a wildfire at replacement cost value.

Additional Living Expenses

Pays for temporary housing and living expenses while your home is rebuilt after a wildfire.

Landscaping & Outbuildings

Covers trees, shrubs, fences, and detached structures destroyed in a wildfire.

Debris Removal

Covers the cost of removing debris and hazardous materials after a wildfire.

Liability Coverage

Covers your liability if a fire originating on your property spreads to neighboring properties.

Surplus Lines Options

Access to specialty carriers for high-risk coastal properties that standard insurers have declined.

FAIR Plan Alternatives

Better alternatives to Oregon's FAIR Plan with more comprehensive coverage and competitive pricing.

50+
Insurance Carriers
1937
Serving Oregon Since
1
Office Location
8
Licensed States

Frequently Asked Questions

Common questions about this coverage in Oregon.

Still have questions? Our licensed agents are here to help.

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Get in Touch

Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.