Oklahomans are known for their can-do attitude, and that will serve them well when searching for great home insurance in the state of Oklahoma. Whether you’re buying a new home or looking for a new policy, you might already know this: home insurance in Oklahoma can be pricey, to put it nicely.
But fear not, ConsumerCoverage is here! Keep reading for everything there is to know about home insurance in Oklahoma, and you’ll be more than equipped to find affordable home insurance without skimping on coverage.
Let’s dig into it.
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Oklahoma is a unique state when it comes to weather. It experiences four distinct seasons, but where you’re located in the Sooner State really determines how extreme the season will be. Summers are pretty hot and muggy no matter where you’re situated, but winters can be intense in the north and mild in the south of the state.
Spring and autumn are where your home insurance policy will be tested the most. The state sees a ton of precipitation during these seasons, and the severe thunderstorms produce some of the most tornadoes per unit area in the world. Oklahoma falls smack dab in the middle of Tornado Alley, which can wreak havoc on even the toughest of homes.
So, what does that mean for your insurance? You’re likely going to want to get flooding insurance, which is excluded from most home insurance policies. Flooding damage can add up faster than you can write the checks, so flooding insurance is key in a state that sees 55 thunderstorm days a year, on average.
Earthquakes have also spiked in Oklahoma over the last decade or so, which means you might want to ensure your policy has earthquake coverage if you live in an area that’s prone to them.
Home insurance is important, no matter where you live. But in Oklahoma, where Mother Nature’s moods run the gamut from drought to freezing rain, it’s especially important to have great home insurance.
Keep reading, because we’ll explore everything from cost to coverage to help you snag the best protection for your biggest asset.
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No one enjoys thinking about insurance, especially when it’s often overcomplicated or muddled with confusing jargon. We want to simplify it for you, which is why we’re breaking down common coverage types and what they include.
Here are some of the coverage options you’ll see on standard home insurance policies:
This is what you’ll find in a standard home insurance policy, but if you want even more protection, you’ve got options. Most insurance providers also offer riders, or endorsements, that you can pick and choose from to add to your policy.
Some common home insurance riders include:
These are just some options available to you, but every insurance provider is different. By adding on more coverage, you can bring yourself more peace of mind knowing that your home and your property is protected as much as it can be.
It helps to get a sense of what a typical home insurance policy covers, so you can decide for yourself whether or not your home needs more protection. So here are the perils that are typically covered:
As you can see, the list is pretty comprehensive. You might notice flooding and earthquakes aren’t covered, but what else is excluded?
Keep in mind, not all insurance policies cover or exclude these perils. Your best bet is to read your policy in detail to make sure there are no surprises. For example, neglect is a significant exclusion: maintaining your home is important to help keep your policy intact. If an adjuster finds that the damage was caused by neglect, rather than one heavy snowfall, for example, you could be on the hook for the entire repair bill.
You’ll want to take note of a key detail: home insurance policies work under an open peril or named peril basis. Open peril policies mean that anything that’s not specifically listed as excluded is covered, while named peril policies only cover perils that are actually listed (or named) in the policy itself.
Next, we’ll get to the important stuff: the average cost of home insurance in Oklahoma and how to save on it.
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Saving on insurance is always nice, but it’s even sweeter in one of the country’s most expensive state’s for home insurance. So, we’ve rounded up our best tips and tricks to put more money back in your pocket, because you shouldn’t have to choose between great coverage and paying the rest of your bills.
Here’s how to find the cheapest home insurance in Oklahoma:
You don’t need to drop your coverage and put your home at risk to save on rates. If you’ve tried these tips and tricks and still feel like you’re overpaying for home insurance, contact an insurance representative today to talk through options.
Now that you know all there is to know about protecting your home (and your wallet) in the Sooner State, you’re ready for the fun part: shopping for home insurance quotes. Make sure you never take the first quote you’re offered, and instead do your homework to ensure you’re getting the best deal possible.
Or, take a shortcut and get access to free quotes fast right here. We’ve got you covered!
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
