The state motto is "labor conquers all things," but finding worthwhile Oklahoma home insurance quotes doesn't have to be a chore involving multiple agents and websites. HomeInsurance.com can be your one-stop shop for Oklahoma homeowners insurance. Our agents work with multiple highly rated carriers to find you the ideal coverage at the price that's right for you. Let us do the labor and find you great deals at the same time.
Protection from infamous Oklahoma weather
Everyone knows that Oklahoma is located right in the center of Tornado Alley (with an average of 54 tornadoes touching down per year), but few people know why such extreme weather patterns are commonplace in the "Sooner State." Hot and cold fronts battle across Oklahoma's plains, creating perfect conditions for extreme thunderstorms and tornadoes.
Double check that you're adequately covered for wind, lightning, and any other storm damage that might come your way. If you live in or near a flood plain, remember that standard home policies will not cover flood damage and consider purchasing a separate policy through the national flood insurance program. Get more information about flooding from the state water resources board.
Earthquakes, which the state occasionally suffers, also are typically excluded from standard Oklahoma home insurance policies. Find more information about earthquakes here.
Home insurance rates in Oklahoma
The average Oklahoma home insurance rate in February 2014 was $1505.00. It appears that rates have increased since January when average rates in Oklahoma were around $1456.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Oklahoma
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
No matter which way rates fluctuate, you can and should look for ways to save on home insurance premiums, especially because Oklahoma has notoriously high rates (because of its high risk). If you enter your ZIP code above or call us at (phone number), we can get started determining how you can cut home insurance costs. Some discounts for which you might qualify include:
- New home: You can save more by buying new. If your house was built within the last 10 years, you could earn a new home discount.
- Fire safety: The wind for which Oklahoma is so infamous also can fan the flames of a fire. Carriers reward fire safe homeowners by offering price breaks on Oklahoma home insurance for homes with sprinkler systems, smoke detectors, and in which no one smokes.
- Bundle: If you purchase your auto and home insurance policies through the same carrier, you could earn a price break of up to 20%.
- Home security: Safety measures could protect you and your wallet. Providers typically offer discounts to homes with anti-theft security systems. You could pay up to 5% less if you simply install deadbolt locks. Here's why: The average homeowners insurance theft claim is $3,231.
Oklahoma homeowners insurance: what others pay
One of the criteria for determining home insurance premiums is location because it dictates the potential events for which the homeowner may be at risk. It may help you to have a general idea of the average rates in your county and how they compare to state rates.
It also can help you to know what your neighbors in Oklahoma pay for home insurance. The list below shows the five most recent Oklahoma home insurance policies sold by HomeInsurance.com. Remember that carriers base premiums on many factors other than location, such as house type and individual history.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,063†||$815†||$908†||$1,035†||$1,910†|
|Foundation type||Basement||Crawl Space||Slab||Slab||Slab|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Gas||Central Gas||Central Gas|
The U.S. versus Oklahoma home insurance
The severe weather that Oklahoma experiences means homeowners pay some of the highest premiums in the nation. How exactly do Oklahoma rates stack up against U.S. rates? Compared to the national average of $815, Okies paid $1505.
Standard Oklahoma home insurance policy coverage
Now that you know what to protect from and how much to pay, you should familiarize yourself with the shelter that an Oklahoma home insurance policy provides. Standard policies contain dwelling and other structures coverage to protect the structure of the buildings on your property; personal property coverage to cover the possessions inside it; loss of use to give you help if the house is uninhabitable because of a covered claim; personal liability coverage to help if someone gets hurt on your property and decides to sue; and medical payments coverage to help if that person who gets injured doesn't sue.
Home insurance resources for Oklahoma
Home insurance quiz- How much do you know about your Oklahoma home insurance policy? Find out by taking our quiz and making sure your coverage matches your needs.
How To's- Check out our advice on how to get the best quotes and choose among carriers. Get a leg up on the best practices for filing claims – now instead of when you're frazzled because of a covered peril.
Disaster Preparedness Guide- You could be putting yourself at risk if you haven't checked out how to prepare your home for tornadoes and other severe Oklahoma storms. Get tips and tricks here for protecting your home.
Home insurance for your city
For more in depth information about an Oklahoma home insurance policy, find your city below.
|Broken Arrow||Duncan||Elk City||Guymon|