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The average American homeowner pays $1,211 per year for home insurance, but in Oklahoma, the average annual cost is significantly higher at $1,885. This can be attributed in part to the high risk of severe weather damage to homes in this state.
Even though home insurance costs in this state may seem like a lot of money, having this coverage is vitally important because hazards like storms, tornadoes, hail, fire, and burglary can cause expensive losses to Oklahoma homeowners who are not insured.
Your home insurance gives you a backup plan in case a disaster strikes in your neighborhood. Whether it's a fire, hailstorm, tornado, or a rash of burglaries, you can rest assured that you are covered when you have a suitable Oklahoma homeowners insurance policy.
Here are some of the ways that your home insurance policy can protect you:
We can’t be 100% certain, but last year alone, insurance companies paid out more than $638 million worth of home insurance claims just in the state of Oklahoma. That's a lot of unfortunate events happening to Oklahoma homeowners.
Insurance companies calculate home insurance costs based on the likelihood that something bad will happen. The more likely it is that a harmful event can damage your house, the more expensive your home insurance policy will be.
These potential disasters are called "risks” or “exposures.” Let’s take a look at how risky Oklahoma is compared to the rest of the country.
The burglary rate in Oklahoma is significantly higher than the national average. Be sure to protect your property by keeping doors and windows securely locked, keeping entryways well-lit and unobstructed from view, and installing a home security system. Taking extra steps to safeguard your house can often result in reduced prices on your homeowners insurance.
Damaging weather events, such as severe storms and tornadoes, can wreak havoc on residential properties in this state. In 2013, a nearly 2-mile wide twister was on the ground for about 39 minutes. It caused more than $2 billion in damage.
Be sure that your home insurance provides all the coverage you need to fully rebuild and replace your property before disaster strikes.
The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Oklahoma, the average home value is lower than the national average. This helps to keep insurance rates affordable despite the many weather-related risks in this state.
When it comes to homeowners insurance, no single insurance company is “best” for everyone. That is why independent agents compare policies and rates from multiple companies to find you the coverage that is best able to meet your particular needs and budget.
Yes! There are currently 442 independent insurance agents in Oklahoma who are ready to help.
Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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