(Salem, OR) -- Several new consumer protection laws took effect on New Year's Day in Oregon. Property insurance companies can now consider defensible space and home hardening against wildfire to determine rates. If your home is destroyed by fire due to a declared disaster, 70 percent of the items lost will be covered without having a list of those items. Health insurance coverage of cochlear implants and hearing aids is expanded. Another law makes decisions about reproductive health a right and allows any person to bring civil action against a public body to enforce the right.