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Essential

Why Home Insurance is Important in Oklahoma

The Oklahoma climate and geography expose homeowners to specific risks that make a comprehensive home insurance policy important. Key considerations include:

  • Tornadoes and Severe Storms: Oklahoma is in the heart of Tornado Alley, making homes especially vulnerable to tornado damage, high winds, and hailstorms.
  • Flooding: Flash floods can happen after heavy rain, so they pose a significant risk—particularly for homes near rivers, creeks, and low-lying areas.
  • Earthquakes: While not as widely known, Oklahoma experiences frequent small earthquakes, which may require specific coverage.
  • Wildfires: Hot, dry seasons can increase the risk of wildfires, especially in rural areas or properties near grasslands.

Coverage

What Does Home insurance Cover in Oklahoma?

Home insurance policies in Oklahoma typically include the following types of coverage to safeguard your investment:

  • Dwelling Coverage: Protects your home’s structure from perils like windstorms, fire, hail, and more.
  • Personal Property Coverage: Covers belongings such as furniture, electronics, and appliances if they’re damaged or stolen.
  • Liability Coverage: Protects against claims involving injuries or property damage that occur on your property.
  • Additional Living Expenses (ALE): Pays for temporary housing and other living expenses if your home becomes uninhabitable due to a covered event.

Options

Additional Coverage Options for Oklahoma Homeowners

Given Oklahoma’s unique challenges, many homeowners opt for these supplemental coverage options:

  • Flood Insurance: Standard home insurance policies do not cover flood damage. Flood insurance is crucial for homeowners in high-risk areas. Consider a policy with the National Flood Insurance Program (NFIP) or a private insurer.
  • Earthquake Insurance: Protects against damage caused by seismic activity, which has increased in Oklahoma over the years.
  • Hail and Windstorm Coverage: Most policies should cover wind and storm damage, but there may be areas in the state that exclude this, making it a necessary add-on.
  • Water Backup Coverage: Covers damage caused by sewer backups or sump pump failures, which can occur during intense rainfall.

Get a Home Insurance Quote for Oklahoma Today

Protecting your Oklahoma home is easier than ever with Goosehead Insurance. Our team is here to help you find a home insurance policy that offers comprehensive protection at a competitive price. Request a free, no-obligation quote today to get started on securing your most valuable investment.

Call us now, or click the link below to explore policies tailored to Oklahoma homeowners. Don’t wait—get the protection your home deserves.


New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Oklahoma?

The cost of home insurance in Oklahoma varies depending on several factors, including:

  • Location: Homes in areas prone to tornadoes, flooding, or earthquakes often come with higher premiums.
  • Home’s Age and Materials: Older homes or those with unique construction materials may be more expensive to insure.
  • Claims History: A history of frequent insurance claims can lead to higher premiums.
  • Deductible Choice: While higher deductibles can lower monthly premiums, they increase out-of-pocket expenses during claims.

On average, Oklahoma homeowners can expect to pay between $2,700 to $4,000 annually for home insurance. Goosehead can compare rates and coverage options to find the best policy that fits your needs.

Save

Ways to Save on Home Insurance in Oklahoma

Oklahoma homeowners can explore these options to reduce their insurance costs:

  • Bundle Policies: Combining home and auto insurance under one provider can help lower premiums.
  • Home Improvements: Reinforce your home with storm-resistant roofing, impact-resistant windows, and other protective measures.
  • Upgrade Security Systems: Installing burglar alarms, smoke detectors, and monitoring systems can lead to significant discounts.
  • Mitigate Risk: Regularly maintain your home—repair roofs, seal windows, and address plumbing issues to prevent major claims.

Choose Goosehead

Why Choose Goosehead Insurance for Your Oklahoma Home?

At Goosehead Insurance, we pride ourselves on delivering outstanding service and taking the hassle out of finding the right coverage. Here's why Oklahoma homeowners turn to us:

  • Customized Policy Options: Access to a wide network of carriers ensures you find the best fit for your needs.
  • Local Expertise: Our agents understand Oklahoma’s specific risks, including tornadoes, flooding, and earthquakes.
  • Simplified Process: From personalized policy selection to claims support, we make every step straightforward and stress-free.
  • Exceptional Customer Support: Our dedicated agents are committed to giving you peace of mind with high-quality service.



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  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
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*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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