Has Your Home’s Value Increased? Your Insurance Might Not Know

Home values in Central Oregon have surged over the past few years. If you own a home in Bend, Redmond, Sisters, or La Pine, chances are it’s worth significantly more than when you bought it. The problem? Your insurance policy might not reflect that.

At TRIA - The Robson Insurance Agency - we’re seeing more clients who are unknowingly underinsured. That means their current coverage wouldn’t be enough to fully rebuild their home if a fire, storm, or major loss occurred.

What is underinsurance? Underinsurance happens when your homeowners policy doesn’t include enough coverage to rebuild your home at today’s construction prices. With material costs, labor shortages, and inflation driving rebuild expenses higher, even a small gap could cost tens of thousands of dollars out of pocket.

How to know if you're underinsured

• You haven’t updated your policy in more than two years

• Your dwelling coverage limit is based on your purchase price, not rebuild value

• You’ve remodeled or added onto your home without reporting it

• You’re unsure what your rebuild cost is or how your insurer calculated coverage

  
  

Why this matters in Central Oregon Home prices in Bend and surrounding areas continue to climb, and local construction costs are rising accordingly. Many national carriers don’t automatically adjust for these market changes, leaving some policies outdated and insufficient. If disaster strikes and it’s time to rebuild, the last thing you want is to find you’re underinsured by $100,000 or more.

How TRIA can help As an independent insurance agency based in Central Oregon, TRIA works with multiple carriers to ensure clients are accurately and properly protected. We don’t rely on one-size-fits-all policies or automated systems. We look at the specific details of your home, location, and risk exposure to help you make informed decisions.

We offer:

• Free personalized policy reviews

• Rebuild cost estimates tailored to your home and local market

• Access to multiple insurance carriers to compare coverage options

• Honest, transparent recommendations so you can close gaps without overpaying

Talk to a local agent who truly understands the market If you’re unsure your insurance keeps pace with your home’s current value, we’d be happy to help. It only takes a few minutes to get peace of mind.

Request your free policy review: https://www.triabend.com/contact Learn more about homeowners and renters policies: https://www.triabend.com/home-and-renters

TRIA: The Robson Insurance Agency - Protecting What Matters Most in Central Oregon 

Serving Bend, Redmond, Sisters, La Pine, and beyond.