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Directory of home insurance agents in Lincoln City, Oregon. Verify credentials with the state department of insurance before hiring.
7 agents listed
Updated May 2026
Lincoln City, OR
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Oregon before hiring.
Showing 7 home insurance agents in Lincoln City, OR
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Isham & Sprague Insurance Inc
2730 NE Hwy 101, Lincoln City, OR 97367
(541) 994-3600
ishamandspragueinsurance.com
Brandon Carpenter - State Farm Insurance Agent
788 SE Hwy 101, Lincoln City, OR 97367
(541) 994-8977
sfbrandon.com
Farmers Insurance - Charlotte Lehto
4270 US-101, Lincoln City, OR 97367
(541) 994-2884
agents.farmers.com
Siskiyou Insurance of Lincoln City
3202 NE Hwy 101, Lincoln City, OR 97367
(541) 994-7771
siskiyouins.com
Farmers Insurance - Miles Vickstrom
1420 NE 12th St, Lincoln City, OR 97367
(541) 994-6000
agents.farmers.com
Total Care Insurance OR
2405 NW U.S. 101, Lincoln City, OR 97367
(541) 262-4594
Moria Belsey Insurance Agent
4157 NW U.S. 101 Suite 227, Lincoln City, OR 97367
(503) 812-9735
belseyinsurance.com
Home insurance agents in Lincoln City Oregon help homeowners protect their properties from coastal risks like wind storms and flooding. Oregon law requires insurers to offer earthquake coverage as an optional endorsement on residential policies. Local agents understand the unique needs of homes near the Pacific Ocean and can guide you through coverage options.
What Does a Home Insurance Agent in Lincoln City Cost?
Home insurance costs in Oregon average about 900 to 1,500 dollars per year for a standard policy. In Lincoln City, coastal risks may increase premiums by 10 to 20 percent compared to inland areas. Factors like home age, roof condition, and proximity to the ocean affect your rate. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Lincoln City do?
A home insurance agent helps you find a policy that fits your home and budget. They explain coverage types like dwelling, personal property, and liability. They also help with claims and policy changes.
Do I need flood insurance in Lincoln City Oregon?
Standard home insurance does not cover flood damage. Lincoln City is in a coastal zone so flood insurance is often required by mortgage lenders. You can buy flood insurance through the National Flood Insurance Program or private carriers.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Oregon.