Oklahoma Homeowners Insurance

What You Need to Know About Oklahoma Homeowners Insurance in 2017

Almost 60 percent of Oklahomans live in the Oklahoma City and Tulsa metropolitan areas. The other 40 percent are spread throughout smaller towns and rural areas. The state is prone to some types of severe weather, and that may be why the average yearly Oklahoma homeowners insurance premium is higher than the southern state or national average.

No matter where in the state you live, an independent agent in the Trusted Choice® network in Oklahoma can help you make a good decision as you search for the right coverage for your needs. These independent local agents do not work for any specific insurer. They can compare plans and prices from multiple companies to make certain that you get the best possible deal from a top rated insurer.

  • National yearly premium average: $1,132
  • Oklahoma yearly premium average: $1,772
  • 4th most expensive premium in the US

You can see that prices average higher in the state than they do in most of the country. In order to understand why rates are high here, it may be helpful to compare the following data from Oklahoma and the US as a whole:

Number of Catastrophes in Oklahoma and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in Oklahoma: 787
  • National number of tornadoes: 1,233
  • Number of tornadoes in Oklahoma: 111
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Oklahoma: $9,790,000

The number of catastrophes in Oklahoma surpasses the number for most states, and the number of tornadoes is extremely high.

In addition to tornadoes, catastrophes include fires, all types of storms and other natural disasters. In addition, some parts of the state may be more flood-prone than others.

No homeowner can prevent damage every time a storm hits. You may be able to weather those storms better with proper repairs and alarm systems.  Comprehensive Oklahoma homeowners insurance can help you pay for damage that is impossible to prevent.

An insurance agent will help you take steps that can reduce your risk and lower your premiums. Independent agents can recommend the right coverage for the part of the state where your house and property is located.

Number of Thefts in Oklahoma:

  • National average for burglaries: 37,814
  • Oklahoma number of burglaries: 33,348

A good home policy should include home contents insurance. In the case of a break-in or theft, be sure to cover your belongings as well as the structure of your house.

How to Compare Oklahoma Home Insurance Quotes

If you want to compare Oklahoma homeowners insurance premiums and coverage options, an independent Trusted Choice member agent can help comparison shop between multiple insurers for you.

After you purchase, your independent agent will be able to provide excellent customer service tailored to your needs. You’ll feel secure having professionalism and industry experience on your side.

Now, who's ready to get their insurance problems solved?