Oklahoma home insurance
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Oklahoma homeowners insurance coverage
Homeowners in Oklahoma face many challenges throughout the year. Weather-related damage is common, as spring brings tornadoes, summer holds thunder, lightning, and hail storms, and winter (especially in the northern pan-handle) means snow, frozen pipes, and ice dams. Liberty Mutual understands the needs of Oklahoma homeowners and offers customized homeowners insurance coverage to fit your specific situation.
What types of homeowners insurance coverages are recommended in Oklahoma?
The following insurance coverage comes standard with any homeowners policy:
- Personal property coverage
- Personal Liability and Medical Payment to Others
- Dwelling (Property damage to your home)
- Hurricane damage1
- Additional Living Expenses/Loss of Rent
Note that most tornado damage is generally covered under these standard coverage policies.
The following insurance coverages are recommended for homeowners in Oklahoma:
Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which can be a significant problem in Oklahoma due to its many rivers and tributaries, especially for communities along the Arkansas River. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.
Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.
- Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.
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The following optional homeowners insurance coverages should be considered by all homeowners in Oklahoma:
- Blanket Jewelry
- Escape of Water
- Personal Electronics Coverage
Is homeowners insurance required by law in Oklahoma?
No, homeowners insurance isn't required by law in Oklahoma, but your mortgage company will most likely require it in order to get a loan.
What is the average cost of homeowners insurance in Oklahoma?
The average cost of homeowners insurance in Oklahoma is $3,548 per year according to NerdWallet.2 That's 118% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.
Still unsure about your homeowners insurance policy options?
Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Oklahoma.
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Get a quote in minutes. Here's what you'll need:
- Basic information about your property
- Basic information about you, any co-owners, and occupants
- Ownership or mortgage status
- Details about your home's construction and any safety features
- If you have an existing homeowners insurance policy