✔We shop multiple insurance companies to find you the best price on Auto, Home, Life, Medicare, Pet Insurance and so much more.
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Proudly serving Vancouver WA, Portland OR, and surrounding communities.
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All your insurance in one place, with one agent
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Helping families find better insurance coverage and lower premiums.
Financial protection for your loved ones.

Protection for Renters & Condos including personal property coverage.
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We shop multiple insurance companies to help you find the best combination of coverage and price.
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Work directly with a local broker who understands the needs of families in Southwest Washington and the Portland area
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Coverage for More Than the Basics
Auto, home, life, Medicare, renters, boat, RV, classic car, and floating home coverage all in one place.


Floating homes are a unique and beautiful way to live in Portland, Oregon, especially in areas like Sauvie Island, Hayden Island, and along the Columbia River. However, insuring a floating home is very different from a standard homeowners policy.
If you own or are considering buying a floating home, understanding your insurance options is essential.
Floating home insurance is a specialized type of coverage designed for homes built on water rather than land. Unlike traditional homeowners insurance, these policies account for risks such as water damage, mooring issues, and unique structural considerations.
Some policies may be written as modified homeowners insurance, while others may fall under marine or specialty coverage.
Standard home insurance policies typically do not cover floating homes because they are not attached to land. This means you need a policy specifically designed for:
• Homes located on rivers or waterways
• Dock and moorage coverage
• Liability for water-related risks
• Weather and environmental exposure
Working with an insurance agent who understands floating homes is critical to getting proper coverage.
Coverage can vary depending on the insurance company, but most policies include:
• Dwelling coverage (structure of the home)
• Personal property
• Liability protection
• Loss of use
• Optional flood or water damage endorsements
Each floating home community may also have specific insurance requirements.
The cost of floating home insurance depends on several factors:
• Location (Columbia River, Willamette River, etc.)
• Age and condition of the home
• Value of the property
• Type of construction
• Claims history
Because floating homes are considered higher risk, premiums may be higher than traditional homes — but the right policy ensures full protection.
Not all insurance companies offer floating home coverage. Many require specialty carriers or brokers who can access unique markets.
Working with an independent insurance broker allows you to:
• Access multiple insurance companies
• Find specialty floating home policies
• Compare rates and coverage options
If you own or are buying a floating home in Portland, we can help you find the right coverage.
At Downtown Insurance Pros, we work with multiple insurance companies to find policies tailored specifically for floating homes.
Office: Vancouver, WA & Portland, OR
Call 360-624-6430
Email: [email protected]
Site: downtowninsurancepros.com
