Covers the structure of your Bend home — walls, roof, foundation, and attached structures — against fire, windstorm, hail, and other covered perils. In Bend's wildfire-risk environment, ensuring adequate dwelling coverage is critical.

Covers your belongings — furniture, electronics, clothing, and other personal items — against theft, fire, and other covered perils. Bend homeowners should ensure their personal property limits reflect the actual replacement cost of their belongings.

Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property. Liability coverage protects your assets from lawsuits and claims.

Covers temporary housing and living expenses if your Bend home is uninhabitable due to a covered loss. With Bend's tight rental market, additional living expenses coverage is especially important.

Wildfire is a significant risk in Bend and Central Oregon. Ensure your homeowners policy provides adequate wildfire coverage and consider additional endorsements for smoke damage, debris removal, and fire mitigation costs.

Covers rebuilding costs that exceed your policy limit — important in Bend's high-cost construction market. Extended replacement cost coverage ensures you can fully rebuild your home even if construction costs have risen since you purchased your policy.