Personal Insurance
Comprehensive personal insurance for Oregon Coast families — auto, home, life, and more.
Personal Insurance
Comprehensive personal insurance for Oregon Coast families.
Protecting Oregon Families Since 1937
As an independent insurance agency, Gerald Ross Agency shops 50+ carriers to find you the right personal insurance coverage at the most competitive price. Whether you need auto, home, life, renters, or specialty coverage, our licensed agents provide personalized service and unbiased advice tailored to Oregon Coast families.
Personal Insurance Products
Auto Insurance
Protect your vehicle with comprehensive auto coverage from 50+ carriers. We shop the market to find you the best rate.
Learn More
Boating Insurance
Protect your boat, jet ski, or watercraft on Oregon's beautiful lakes and reservoirs with the right coverage.
Learn More
Home Insurance
Protect your home and belongings with the right homeowners coverage for Oregon Coast's unique risks.
Learn More
Life Insurance
Secure your family's financial future with term, whole life, and universal life insurance options.
Learn More
Motorcycle Insurance
Ride with confidence knowing your motorcycle is protected with the right coverage for Oregon Coast roads.
Learn More
Renters Insurance
Affordable protection for your belongings as a renter in Oregon. Covers theft, fire, and liability.
Learn More
RV Insurance
Comprehensive coverage for your motorhome, travel trailer, or fifth wheel across Oregon Coast and beyond.
Learn More
Travel Insurance
Protect your travel investment with comprehensive trip cancellation and travel medical coverage.
Learn More
Umbrella Insurance
Extra liability protection beyond your auto and home policies — for peace of mind and asset protection.
Learn MoreThe Gerald Ross Agency Personal Advantage
- Independent agency — we work for you, not the insurance companies
- Access to 50+ top-rated personal insurance carriers
- Unbiased advice — we recommend what's best for your situation
- One-stop shopping for all your personal insurance needs
- Local Oregon Coast agents who know your community and its risks
- Multi-policy discounts when you bundle home, auto, and more
- Claims advocacy — we fight for you when you need it most
- 89 years of experience protecting Oregon families since 1937
Get a Free Personal Insurance Quote
Tell us about your coverage needs and we'll shop 50+ carriers to find you the right personal insurance at the best price. No obligation — just honest advice from Oregon Coast's trusted independent agency.
Get a Free QuoteFrequently Asked Questions
Common questions about personal insurance in Oregon
What types of personal insurance does Gerald Ross Agency offer?
Gerald Ross Agency offers a full range of personal insurance including auto, homeowners, renters, life, umbrella, motorcycle, RV, boat, and travel insurance. We work with 50+ carriers to find the right fit for your situation.
How much does homeowners insurance cost in Oregon?
The average cost of homeowners insurance in Oregon varies based on location, home value, construction type, and wildfire risk. In Oregon Coast, wildfire exposure can affect rates. Gerald Ross Agency shops multiple carriers to find you the most competitive rate for your specific home and location.
Do I need umbrella insurance in Oregon?
Umbrella insurance is recommended for anyone who owns a home, has significant assets, or wants extra liability protection beyond their auto or home policy limits. It provides an additional layer of coverage — typically $1 million or more — at a relatively low cost.
Can I bundle my home and auto insurance for a discount?
Yes. Most carriers offer multi-policy discounts when you bundle home and auto insurance. As an independent agency, Gerald Ross Agency can compare bundled rates across multiple carriers to find you the best overall value.
Personal Insurance Resources
Oregon Personal Insurance Guides
Explore our complete library of personal insurance guides for Oregon families.
Auto Insurance
Home Insurance
Life & Health
