Homeowners Insurance in Oklahoma

Homeowners insurance doesn’t need to be confusing. Compare rates by city and company below.

Find cheap homeowners insurance in Oklahoma


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A home insurance policy protects your house and property against a number of misfortunes, such as theft, fire, vandalism, or wind damage.

Differences exist in home insurance costs from state to state. Home insurance prices in states vary depending on the total number and value of home policy claims filed in the state, and also on the price of the belongings and home you're insuring.

The easiest way to get cheap homeowners insurance in Oklahoma is to compare rates and consider policies from a variety of insurance companies. Learn home insurance rates in Oklahoma by reviewing the below data. Remember: your rates may differ, depending on your coverage limits.


Oklahoma homeowners insurance:
  1. Homeowners rates by company
  2. Rates by city
  3. How to bundle home and auto insurance


Homeowners insurance rates in Oklahoma by insurance company

Rates for home insurance in Oklahoma can vary depending on which insurance company you choose. Farmers provides the most affordable home insurance in Oklahoma — $2,371 each year. This compares favorably to the state average cost of $4,053, offering a $1,681 discount on average statewide homeowners insurance costs.

Begin your search for a home insurance policy by reviewing the cheapest Oklahoma carriers, listed below.


HOMEOWNERS INSURANCE RATES IN OKLAHOMA: BY CARRIER
Insurance CompanyAverage Annual Rate in Oklahoma
Farmers$2,371.36
American National$2,605.99
Oklahoma Farmers Union$2,929.91
Great Northern$3,502.75
State Farm$3,597.80


Oklahoma home insurance costs by city

Not every city in Oklahoma has equal home insurance costs. Policy pricing may depend on locally specific variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Oklahoma is found in Bartlesville. An average homeowners insurance policy in Bartlesville costs just $3,455 annually — $597 less than the average policy in other Oklahoma cities. Reference the below table to see the cheapest cities in Oklahoma for home insurance.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN OKLAHOMA
CityAverage 12-Month Home Insurance Rate
Bartlesville$3,455.21
Owasso$3,516.13
Claremore$3,551.75
Tulsa$3,582.62
Bixby$3,584.95


Homeowners and auto insurance bundles in Oklahoma

If you want to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and homeowners insurance in Oklahoma can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Oklahoma results in average annual savings of $154.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN OKLAHOMA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,527.00$1,373.00$154.0011%


You can save money on insurance by bundling your home and auto policies. Compare rates today!


Compare rates from top car insurance companies.

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Earthquake insurance in Oklahoma

Oklahoma encounters an estimated 285 earthquakes every year, meaning Oklahoma residents should consider an insurance policy that covers earthquakes.* However, this coverage doesn’t come standard in home policies. Earthquake coverage comes as an endorsement to your home insurance policy, covering damage resulting from land movement.

Aftershocks are another serious concern when it comes to earthquakes. They can be severe and often cause damage for days after the initial event. Luckily, having this coverage means that you pay a single deductible for damage from the initial earthquake as well as any resulting aftershocks within a period of 72-hours.

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)

 

Homeowners insurance and tornadoes in Oklahoma

A tornado can hit with precious little warning. There isn't much that can be done to prepare and the effects can be devastating. It's vital to protect your home against tornadoes in Oklahoma, which averages 65 twisters per year.*

Tornado damage is typically caused by wind, so verify your home insurance policy includes windstorm protection, which comes standard in most homeowners policies.

Wind protection covers the exterior and overall structure of the building. Depending on your policy type, you may find that interior damage is only covered when it occurs as caused by exterior damage, like a tree branch breaking a window. Also covered are detached structures, generally up to 10% of the home’s insured amount. Bear in mind that other damages brought about by the storm may not be covered by insurance. For example, if the storm that produced the tornado also causes flooding that damages your home, those damages won't be covered unless you've previously added flood insurance to your policy.

*Source: NOAA's National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)

 

Home insurance and fires in Oklahoma

Fire coverage comes standard on most homeowners policies in Oklahoma.If a fire destroyed your home,your insurance company would cover the damage to your property up to your policy limits. The prevalence of wildfires inOklahoma reinforces the importance of sufficient homeowners insurance: 9% ofOklahomahouseholds are in danger of suffering wildfire damage. In fact,745,097of the state's acres fell victim to fires in the state in 2018.* Wildfires may not be covered by insurance: consult our guide for details. 

In addition to covering damages — up to your policy limits — your homeowners insurance could pay for your additional living expenses if your home is uninhabitable. Damage that occurs via arson — or fire-related damage to a vacant home — will not be covered by a homeowners insurance policy.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)