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Property and casualty insurance (auto, home, business)

The Oregon Division of Financial Regulation has issued orders, guidance, and secured agreements with property and casualty insurance companies on a number of topics. Use the site navigation (above on mobile devices, left on laptops and desktops) to review frequently asked questions on specific insurance topics.

Information on the COVID-19 webpages changes frequently and is updated regularly. Check back often for the most up-to-date information.

If you have questions about your insurance coverage, contact your provider.

If you have questions or need to file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email

Grace periods for paying insurance premiums

Emergency orders have been issued for several types of insurance. The orders require insurance companies to provide a minimum one-time grace period to their customers for each insurance policy. Companies can provide longer grace periods and coverage windows if they want. This chart details each type of insurance and its minimum grace period and coverage window.

Type of insurance*Minimum length of grace periods Length of time claims will be paid during grace period
Health 60 days 30 days
Life and disability 90 days 90 days
Long-term care 60 days 30 days
Property and casualty
(Auto, home, business)
60 days**
60 days

*The order allows for a one-time grace period to pay a past-due premium

**The policyholder must contact their property and casualty insurance company to request the one-time grace period to pay a past-due premium.

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