Oklahoma Home Insurance Quotes

Oklahoma home insurance coverage and rates information.

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The days of shopping for Oklahoma homeowners insurance with multiple agents are over. Compare multiple quotes with our licensed home insurance experts and find the best premium and the most comprehensive coverage available in Oklahoma. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.

The average Oklahoma home insurance rate in December 2011 was $1596.00. It appears that rates have decreased since November 2011 when average rates in Oklahoma were around $1648.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.

Average Premiums for Home Insurance In Oklahoma
Dec 2011Nov 2011Oct 2011Sep 2011Aug 2011
$1596.00$1648.00$1610.00$1572.00$1489.00

There are a lot of discounts for Oklahoma homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Oklahoma homeowners insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything.

Standard Oklahoma Home Insurance Coverages

Coverage
A

Dwelling: A standard Oklahoma homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Oklahoma home insurance policy
C

Contents/Personal Property: A Oklahoma home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
D

Loss of Use: If your Oklahoma home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.

E

Personal Liability Protection: In Oklahoma, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
F

Medical Payments: Medical Payments coverage, or Oklahoma MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.

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Customer Reviews in Oklahoma

The top 4 customer reviews on HomeInsurance.com service and savings in Oklahoma.
4 Star Rating
Savings: $500/year
Customer: Kerry R.
Date: Dec 17, 2009
This was so quick and easy. Enjoyed!
Oklahoma City, OK
4 Star Rating
Savings: $908/year
Customer: Sherrill J.
Date: Oct 26, 2009
Easy, easy, easy. Excellent service and unbelievable savings. Thanks!
Tahlequah, OK
4 Star Rating
Savings: $500/year
Customer: Becca P.
Date: Jun 15, 2009
I feel confident in the choice to use HomeInsurance.com, and would not hesitate to let others know about it. Thanks!
Tulsa, OK
4 Star Rating
Savings: $700/year
Customer: Ruby P.
Date: May 22, 2009
You were helpful, prompt, and best of all saved me money.
Tulsa, OK

For additional information about specific insurance laws in Oklahoma, visit the Oklahoma Insurance Department website.

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