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Oklahoma Home Insurance

Whether you live in Tulsa, Enid, or Oklahoma City, you want to make sure you find Oklahoma Home Insurance at the best possible price. After all, wouldn’t you rather keep those dollars in your wallet instead of paying more to a home insurance company? will teach you all you need to know, then you Oklahoma Home Insurance Shoppingcan instantly find the best insurance companies in your area just by entering your zip code in the box below. Let’s get started.

The Basics about Oklahoma Home Insurance

By law you aren’t required to purchase a home insurance policy, but if your home has a mortgage, your lender will certainly require one to protect their interests.

Most Oklahoma homeowners insurance policies cover five basic areas:

  1. Dwelling – the cost to repair or replace your home if it’s damaged during a covered incidence.
  2. Personal Property – the replacement of personal items, like furniture, clothing and appliances.
  3. Additional Living Expenses – provides funds to cover expenses if you have to live somewhere else while your home is being repaired.
  4. Liability – pays to repair or replace someone else’s property if it’s damaged by your property or by someone in your home.
  5. Medical Liability – pays the medical bills if someone is injured on your property.

Several things are not automatically included in an Oklahoma home insurance policy, but you can purchase separate coverage for many of them. This includes things like:

  • Broken pipes outside your home
  • Sewer backups
  • Earthquakes
  • Identity theft
  • Refrigeration failure

Flooding is never covered by home insurance policies, but this type of insurance is available through the federal National Flood Insurance Program.

Factors Affecting Oklahoma Home Insurance Rates

When a home insurance company is determining the rates they want to charge you, there are several factors that they consider. Some of these things are under your control, and others aren’t:

  • Age of Home – new homes cost less
  • Type of Construction – frame homes are more expensive than brick
  • Fire Protection Services – how close is the nearest fire department or fire hydrant?
  • Safety Devices – does your home have dead bolt locks, smoke detectors, or fire extinguishers?
  • Special Upgrades – Things like impact resistant roofs (to limit hail damage), improved heating, electrical or plumbing systems save money.
  • Credit Score – Good credit will lower premiums.
  • Claims Free Discount – for few or no claims in your insurance history
  • Non-Smoker Discount – one more reason not to smoke
  • Senior Discount – Seniors are home more to protect their property, so they get a discount

Extra Coverage You May Want to Purchase

It’s important to know that there are many things which are not automatically included in the majority of Oklahoma Home Insurance policies. Some of these exclusions could leave you seriously unprotected, so make sure that you know all the other options available and add the ones that are right for you to your policy:

  • Inflation Guard – If your home’s value is increasing due to inflation, the cost to repair or replace it probably is increasing as well. This endorsement will insure that your policy value increases as needed to maintain the necessary level of protection.
  • Building Codes – Any repairs must meet new code standards. Sometimes this means you have to actually tear down a part of your home that wasn’t damaged to bring everything up to code. Your original policy may not allow for this.
  • Personal Property – Most OK home insurance policies limit personal property amounts to 50% of the dwelling value and have limits on the amount they’ll pay for certain types of property. Therefore, if you own expensive antiques, have a coin collection, or love great video equipment, consider adding a personal property rider to cover their replacement value.
  • Increased Medical Payments and Personal Liability Limits – these amounts are usually quite low in standard policies, but we both know how quickly medical bills can add up, or how quickly people are to sue if given the chance. An umbrella policy could give you some added protection here.

Time to Shop for Oklahoma Home Insurance

Now that you have the knowledge you need, it’s time for the most important step – comparison shopping. Fortunately finding great home insurance companies and getting free quotes is easy. Just enter your zip code in the box below and you’ll be instantly matched to top home insurance companies in Oklahoma. Click on at least three or four companies and request a free quote, then carefully compare the coverage and rates offered by each company. Before you know it, you’ll have the coverage you need at a price you love. Don’t wait another minute! Start now!


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