Oregonians looking for homeowners insurance have a few specific concerns they should definitely think about before purchasing with any particular company.

“Aside from the usual suspects, such as fire and theft, investigate flood insurance if you’re in a flood zone,” says Keith Haley, Insurance Instructor for EinsuranceTraining.com. Haley also suggests considering your risk for wildfire, earthquake, landslide and don’t forget damage that can be caused by Oregon’s wet climate. “New residents moving from drier climates of California or Alaska may be distraught to discover the sports or garden equipment they stored in their unheated garage all winter to be tossed in the spring because of mold damage,” says Haley.

Fortunately, homeowners insurance in Oregon is relatively inexpensive. And while most policies in the state have basic similarities, your best coverage may not be the best coverage for someone in a different house or a different part of the state, so, as always, shop around to find the right coverage at your best rate.

Floods and Earthquakes Pose the Biggest Threat to Oregon Homeowners

While overall claim frequency is relatively low in Oregon, according to the Insurance Research Council, the severity of claims that do get made has increased to line up more with national averages in recent years. So while you may be less at risk to make a claim at all, if you do end up experiencing a loss or damage, you want to be sure you’re fully covered for the risks your home does face.

Haley suggests Oregon residents consider their risk for earthquake and flooding as well as additional insurance products that could provide coverage for those occurrences.

“Flood insurance is not just for floods,” says Haley. “While this is more of a gray area, Oregon’s wet climate can sometimes cause landslides which produce just as much damage as the flood itself. If an insured is living in an environment that may be prone to landslide, they ought to thoroughly discuss the possibility with their insurer to find out whether or not flood insurance would protect potential loss.”

And, he says, you should consider an earthquake policy, too. “While earthquakes are not as common as rain in Oregon, it should be considered in an overall policy,” he says. “Usually earthquake coverage has to be added to a regular homeowners policy and typically carries a large deductible, up to 20% [of your dwelling coverage].”

Lastly, if you’re a coastal resident of Oregon, don’t think that earthquake coverage will cover you from tsunami damage, even if the event is caused by an earthquake. For that kind of coverage, look again to flood insurance. Ask your insurer about options or take a look at www.floodsmart.gov.

And when it comes to that pesky mold problem, definitely ask a potential insurer before you buy whether it covers damage from mold and don’t assume the company will always cover it — it usually depends on how the mold happened.