Oregon DP-3 landlord checks
- Tenant-occupied, vacant, seasonal, and short-term rental uses should be separated.
- Vandalism, theft, and tenant damage wording deserve a direct question.
- The landlord or entity name should be consistent across quote documents.
- For Oregon wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in Oregon is usually a separate policy or endorsement path, not a default HO-3 assumption.
DP-3 review questions
| Question | Why it matters |
|---|---|
| Who is the named insured? | LLC, trust, or individual ownership should match the quote and deed situation. |
| Is the tenant long-term or short-term? | Rental duration can move the policy into a different underwriting lane. |
| How is vandalism handled? | Vacancy and tenant-caused damage wording should be checked. |
| Does liability fit the exposure? | Premises hazards and lease terms can affect the needed limit. |
Practical note
A Oregon landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.