Homeowners Insurance in Jenks, OK

Experts can help you compare plans, coverage options, companies and more in Jenks, OK.

Gorgeous white home with many little details. Jenks, Oklahoma Homeowners Insurance.

There are approximately 26,600 people residing in Jenks, Oklahoma. Homeownership comes with its challenges, and it's important to protect your property in Jenks. Fortunately, you can obtain custom coverage through an adviser quickly.

A Jenks, Oklahoma independent insurance agent compares your limits and premiums through local carriers. They do this on your behalf and for zero additional cost. If you're considering coverage options, you may want to reach out to a licensed professional to get started.

What Is Homeowners Insurance?

In Jenks, Oklahoma, homeowners insurance helps protect your property and household members from disaster. Your home policy comes with coverage for both property, injury, and liability exposures. It's essential to review your home coverage with a trained adviser to ensure accuracy and proper protection.

What Does Homeowners Insurance Cover in Jenks, Oklahoma?

Your Jenks, Oklahoma homeowners insurance will be customized to your specific needs. The protection limits will be set within parameters that best protect you and your property. The primary coverages are listed below:

  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for bodily injury, property damage, libel, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Homeowners need to be aware that flooding is not covered under their home policy. For protection, you'll need separate flood insurance based on your flood zoning. Fortunately, your insurance adviser can help with FEMA-approved quotes. 

Common Disasters Homeowners Insurance Covers in Jenks, Oklahoma

Every area will have its own set of risks that could create a catastrophe for your property. In Jenks, Oklahoma, you'll have these disasters covered under your homeowners policy: 

  • Fire
  • Wind
  • Hail
  • Severe storms
  • Lightning
  • Theft and vandalism

Jenks' weather-related statistics:

The number of natural disasters in Jenks: 34

Major presidentially declared disasters in Jenks: 22

Emergencies declared in Jenks: 7

Let's look at the top three causes in Jenks:

Storms: 15 declared as a disaster

Floods: 14 declared as a disaster

Winter Storms: 9 declared as a disaster

How Much Does Homeowners Insurance Cost In Jenks, Oklahoma?

For exact pricing on your Jenks, Oklahoma homeowners insurance, you'll need to obtain individualized, custom quotes from a trained professional. Carriers use the following risk factors when determining your home coverage cost:

  • The materials of your home
  • The square footage of your home
  • The cost to replace your home
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • How close you are to a fire department
  • How close you are to a fire hydrant

Cheap Homeowners Insurance Near Me

If you've been searching for the cheapest homeowners insurance without skimping on coverage, there are some ways to save. First, let's see what the average home insurance premium is in the state and country:

The average home insurance premium:

  • National average: $1,211
  • Oklahoma average: $1,885

One way to cut costs is by bundling your home and auto policies with the same carrier. A savings of 30% or more is likely when you have more than one policy. You can also reduce premiums by having good credit, updated home safety features such as a burglar alarm, and no prior claims on your record.

What Are the Best Homeowners Insurance Companies in Jenks, Oklahoma?

The perfect home insurance company will be different for every property. This is because each carrier has unique formulas to determine risk, and since all homes and households are not alike, their insurance won't be either. Below are some highly rated insurance companies for home coverage in Jenks, Oklahoma:

Best Homeowners Insurance Companies In Jenks, OK Star Rating
5 star rating
4.5/5 star rating
5 star rating

These markets are among the best because of their broad coverage offerings and excellent customer service. When shopping for home protection, consider obtaining quotes from these companies and others like them.

How a Local Agent Can Help Find Homeowners Insurance in Jenks, Oklahoma

The best way to start your homeowners insurance search is through a trusted adviser. There are many insurance companies and coverages, and it can be confusing to know what's suitable for your household. Local experts can help for no additional cost, making it easy.

A Jenks, Oklahoma independent insurance agent quotes your home coverage through multiple markets at once, so you don't have to. They'll do the shopping and present you with the perfect option for your home and budget. Connect with an agent to get started for free.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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