Best Homeowners Insurance in Oklahoma for 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Powered by Coverage.com (NPN: 19966249) Advertiser Disclosure

Advertiser Disclosure

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best homeowners insurance in Oklahoma for 2022

Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022

Find your perfect provider

Get quotes from top home insurance companies in your area. Where you live influences how much you pay for homeowners insurance. Compare carriers Explore offers from trusted carriers +more Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

Editorial integrity

Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Book What to know first Menu List On this page Bankrate logo The Bankrate promise editorial integrityhow we make moneyInsurance Disclosure

What To Know First

Collapse Caret Up With the highest average annual premium in the U.S., the homeowners insurance market in Oklahoma is challenging. On average, Oklahomans pay $3,593 annually for $250,000 in dwelling coverage. This figure is an eye-popping 160 percent higher than the national average of $1,383 for the same amount of dwelling coverage, according to Bankrate's analysis of average rate data from Quadrant Information Services. If you're a homeowner who's looking to save money on your Oklahoma homeowners insurance policy, Bankrate may be able to help. While it's essential to find homeowners insurance companies offering affordable average rates, our editorial team also weighed factors like customer satisfaction rankings, financial strength ratings, coverage options and discounts to offer a comprehensive view of the best homeowners insurance companies in Oklahoma. With this information,you may be better prepared to determine the right option for you out of the many Oklahoma homeowners insurance companies available today. Collapse

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.

With the highest average annual premium in the U.S., the homeowners insurance market in Oklahoma is challenging. On average, Oklahomans pay $3,593 annually for $250,000 in dwelling coverage. This figure is an eye-popping 160 percent higher than the national average of $1,383 for the same amount of dwelling coverage, according to Bankrate's analysis of average rate data from Quadrant Information Services. If you're a homeowner who's looking to save money on your Oklahoma homeowners insurance policy, Bankrate may be able to help. While it's essential to find homeowners insurance companies offering affordable average rates, our editorial team also weighed factors like customer satisfaction rankings, financial strength ratings, coverage options and discounts to offer a comprehensive view of the best homeowners insurance companies in Oklahoma. With this information,you may be better prepared to determine the right option for you out of the many Oklahoma homeowners insurance companies available today. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

Leaving so soon Your custom quotes are just minutes away

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

How Bankrate chose the best home insurance companies in Oklahoma

To find the , we analyzed average premium data from Quadrant Information Services. We also reviewed each company's available coverage types, discounts and policy features. Third-party customer service rankings from J.D. Power were also considered, along with financial strength ratings from AM Best, which measures a company's historical ability to pay out claims. We used this information to issue each company a Bankrate Score, with a maximum score of 5.0. Our goal with the Bankrate Score holistic rating model is to help you feel confident and well-informed when comparing Oklahoma homeowners insurance companies.

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Best home insurance companies in Oklahoma

While the average annual cost of Oklahoma home insurance is $3,593, you may pay more or less depending on your individual rating factors and factors related to your home. Based on our extensive research, USAA, State Farm and Allstate are among the best Oklahoma homeowners insurance companies. If you are shopping for new insurance, the following companies could be a great place to start: Insurance company AM Best J.D. Power Average monthly premium Average annual premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. AM Best A++ (Superior) J.D. Power 844 /1,000 Average monthly premium $185 Average annual premium $2,215 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. AM Best A++ (Superior) J.D. Power 835 /1,000 Average monthly premium $335 Average annual premium $4,019 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. AM Best A+ (Superior) J.D. Power 815 /1,000 Average monthly premium $193 Average annual premium $2,315 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. AM Best A- (Excellent) J.D. Power 792 /1,000 Average monthly premium $197 Average annual premium $2,360 AM Best B++ (Good) J.D. Power Not rated Average monthly premium $272 Average annual premium $3,265 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Premiums are for $250K in dwelling coverage **Not officially ranked by J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

Return to form Key takeaways Oklahoma has the highest average annual homeowners premium in the U.S., largely due to its position in Tornado Alley. The average annual premium for homeowners insurance in Oklahoma is $3,593 for $250,000 in dwelling coverage, more than double the national average. According to Bankrate's market analysis, USAA, State Farm and Allstate offer some of the best homeowners insurance in Oklahoma. Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview USAA only provides insurance and banking products to those who are current or retired members of the military and their families. If you fit that demographic, you may want to make USAA your first stop. The carrier is known for excellent customer service (although it doesn't qualify for official ranking with J.D. Power), financial stability and insurance coverage that is tailored to the specific needs of military families. In addition to homeowners insurance, USAA also writes policies for renters, auto, personal property, condos and more. Additionally, USAA's average premium is lower than the state's average. Since USAA membership is only available to military members, veterans and qualifying family members, however, not everyone will qualify for access to the company's insurance products. Pros and cons CheckmarkPros Lower-than-average premium High J.D. Power scores Superior AM Best financial strength Close XCons Strict eligibility requirements May have fewer discounts than some competitors Average annual premium by city Oklahoma city USAA avg. annual premium for $250K dwelling Broken Arrow $2,125 Edmond $2,162 Norman $2,111 Oklahoma City $2,130 Tulsa $2,194 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview State Farm is the largest insurer by market share in the U.S., and also boasts high financial strength and customer satisfaction scores. State Farm offers a broad range of customizable coverage options and, in addition to homeowners insurance, it offers coverage for condos, renters, cars, motorhomes, farms and more. It also has a user-friendly website, which makes it easy to get an online quote or do your business online. For those who prefer to do business in person, State Farm boasts more than . However, the average premium from State Farm is higher than the state average. Pros and cons CheckmarkPros Local agents available Above-average J.D. Power customer satisfaction score Numerous insurance products available Close XCons Higher-than-average premium Fewer discounts than some competitors Average annual premium by city Oklahoma city State Farm avg. annual premium for $250K dwelling Broken Arrow $2,514 Edmond $5,291 Norman $4,904 Oklahoma City $5,145 Tulsa $2,666 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Allstate offers generous discounts that might help you save money on your home insurance policy. Allstate may also be a good option for homeowners who want to tailor their policy to their specific needs, as the carrier offers endorsements like green improvement reimbursement and electronic data recovery. One thing worth considering, however, is that the company scored below average in the . Pros and cons CheckmarkPros Lower-than-average premium Numerous coverage options Numerous discount opportunities Close XCons Below-average J.D. Power customer satisfaction score Below-average J.D. Power claims satisfaction score Average annual premium by city Oklahoma city Allstate avg. annual premium for $250K dwelling Broken Arrow $1,956 Edmond $2,054 Norman $1,979 Oklahoma City $2,303 Tulsa $1,987 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: - Avg. annual premium for 250k dwelling $ Company overview Farmers offers policies for car, home, life, business, renters and condo insurance. Farmers also offers unique coverage options that are hard to find with other carriers, including the option for eco-rebuild coverage. If your home needs to be rebuilt due to a covered peril, eco-rebuild coverage pays to use environmentally friendly building materials. However, Farmers has one of the lowest customer satisfaction scores from J.D. Power, so it might not be a great fit for homeowners looking for high service ratings. Pros and cons CheckmarkPros Unique coverage options Local agents available Numerous insurance products offered Close XCons Below-average J.D. Power customer satisfaction score Lower AM Best financial strength rating than other carriers on our list Average annual premium by city Oklahoma city Farmers avg. annual premium for $250K dwelling Broken Arrow $2,033 Edmond $2,926 Norman $2,977 Oklahoma City $3,334 Tulsa $2,003 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview Oklahoma Farm Bureau Mutual is known for offering excellent insurance options for home, car, condo and recreational vehicles. For those working in the agricultural sector, Farmers also offers farm and ranch insurance. In addition to basic coverage, Oklahoma Farm Bureau offers amendments for residential equipment breakdown, other building insurance and an umbrella policy that provides additional protection if someone is injured on your property. However, as a regional insurer, it is not rated by J.D. Power. As such, you may want to research what current customers say about their experience to get a sense of the carrier's service level. Pros and cons CheckmarkPros Farm and ranch coverage available Helpful endorsements offered Local agents available Close XCons Lower AM Best financial strength rating than other carriers on our list Must be a Farm Bureau member to access insurance products Average annual premium by city Oklahoma city Oklahoma Farm Bureau avg. annual premium for $250K dwelling Broken Arrow $3,155 Edmond $3,443 Norman $3,364 Oklahoma City $3,463 Tulsa $3,161 Explore Bankrate's review

How much is homeowners insurance in Oklahoma

The in Oklahoma is $3,593 per year for $250,000 in dwelling coverage. This rate is much higher than the national average of $1,383 per year for the same amount of coverage. In fact, Oklahoma is the most expensive state in the country for home insurance, according to our research. Located right in the center of Tornado Alley, Oklahoma may have higher-than-average claims activity, which typically drives up the cost of homeowners insurance. Even nearby states like Arkansas ($2,104 per year), Texas ($1,860 per year) and Kansas ($2,800 per year) are more affordable. This makes it even more important to shop your options for Oklahoma home insurance so you know you have the best insurance company for your needs.

Oklahoma city Average annual premium for $250K dwelling coverage Broken Arrow $3,056 Edmond $4,001 Norman $3,950 $4,230 $3,118

Home insurance in Oklahoma

As with any state, Oklahoma has its own specific considerations that should be taken into account when purchasing home insurance, namely extreme weather and earthquakes.

Common causes of loss in Oklahoma

The most common causes of loss in Oklahoma include: Tornadoes: Oklahoma homeowners insurance is expensive largely because of the state's location in Tornado Alley. Multiple tornadoes touch down throughout the state each year. During 2021, . Hail: Regarding hail, Oklahoma was the in 2021, with a total of 159 hail events. Hail is a common issue with strong summer storms and often accompanies tornadic activity. Hail can damage your home's exterior features, like the roof and siding, which can lead to interior water damage. Earthquakes: Earthquakes began to , largely due to the oil and gas drilling processes. While earthquakes in the Sooner State may be less intense than in other parts of the country, they can still cause damage to your home and property.

Home insurance coverage options in Oklahoma

In addition to standard coverage types offered on home insurance policies in Oklahoma, home owners may want to consider additional coverage options to protect themselves and their property: : Flood damage is not covered by standard home insurance policies. You'll need to buy a flood insurance policy for coverage. Policies are available from the National Flood Insurance Program (NFIP) as well as from some private insurance companies. With instances of earthquakes increasing in Oklahoma, you may want to consider adding an earthquake endorsement to your policy. Most companies offer this endorsement, which you can add on to your homeowners policy for added protection. If you live in a particularly high-risk area, you may need a separate policy. : Sewer backup coverage is optional on home insurance, but often comes highly recommended by agents. The endorsement provides coverage if you experience a backup of water or sewage in a drain line that causes water damage. This type of damage is common in basements or crawl spaces, but can happen from any sewer or drain line.

Frequently asked questions

Each home is different and every homeowner has their own set of circumstances. As such, there is not one best home insurance company for everyone. To find the best Oklahoma homeowners insurance for you, you may want to get quotes from several companies, review their coverage options and then choose the best one for your specific needs. Keep in mind that even if you are looking for , you should review more than just price to help ensure you find a company that fits all your needs.

You'll start by . You can often do this online or by calling a company, or you can visit a local agency. You'll need to provide some information about yourself, like your name and date of birth (and possibly your Social Security number), as well as information about your home, like your address, the year your home was built, how old the roof is, and information about any custom or unique features. Once you've chosen a quote that you'd like to purchase, a company representative will walk you through the next steps.

You might. If you are in a flood zone and have a mortgage, you'll likely be required to have a flood insurance policy by your lender. Even if you own your home in full, you might still want to consider flood insurance, depending on where you live in the state. Talking with a licensed agent could help you determine your flood risk.

No, you are not required to have homeowners insurance in Oklahoma - at least not by law. However, if you have a mortgage on your home, your lender will probably require you to have a policy to protect their investment in your property. Once you have paid off your mortgage, it is up to you if you keep home insurance, although most insurance agents and financial planners advise that you maintain a policy. Written by Cate Deventer Insurance Writer & Editor Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

TREND NOW

Best Homeowners Insurance in Oklahoma for 2022 Bankrate

Advertiser Disclosure

How We Make Money

Best homeowners insurance in Oklahoma for 2022

Find your perfect provider

The Bankrate promise

The Bankrate promise

Editorial integrity

Key Principles

Editorial Independence

How we make money

Insurance Disclosure

What To Know First

On This Page

The Bankrate promise

On This Page

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

How Bankrate chose the best home insurance companies in Oklahoma

Best home insurance companies in Oklahoma

Compare home insurance rates

Leaving so soon Your custom quotes are just minutes away

How much is homeowners insurance in Oklahoma

Home insurance in Oklahoma

Common causes of loss in Oklahoma

Home insurance coverage options in Oklahoma

Frequently asked questions

Comments (0)

Leave a Comment