Your home is one of the biggest investments you will ever make—it should be protected accordingly.
InsureMe makes the task of finding affordable Oklahoma homeowner's insurance easy by giving you up to five free quotes from agents in your area.
What is homeowner's insurance?
Oklahoma homeowner's insurance will protect you from financial loss from disasters such as those caused by storm, fire and theft. A standard policy protects your home and the items you keep in it.
Am I required to have Oklahoma homeowner's insurance?
The State of Oklahoma does not require its residents to carry homeowner's insurance. However, if you have borrowed money to finance the purchase of your home, you may be required to take out an Oklahoma homeowner's insurance policy until your loan is paid off. This protects your lender's investment in the event of a disaster.
Once your loan is paid off you may cancel your policy, but doing so puts your home at great risk if a disaster should occur.
What kinds of Oklahoma homeowner's insurance are available to me?
There are four basic types of Oklahoma homeowner's insurance:
I'm unable to find coverage for my home. What should I do?
If you have tried obtaining Oklahoma homeowner's insurance and have been turned down by at least two companies, you can contact the Oklahoma Market Assistance Program (OK-MAP) for help. OK-MAP is a voluntary association of insurance companies that assist Oklahomans who need help in insuring their property.
Is flood damage covered in my Oklahoma homeowner's insurance?
No. You may purchase flood insurance through the National Flood Insurance Program (NFIP). For more information on purchasing flood insurance, call the NFIP toll free at 1-800-CALL-FLOOD.
Will my Oklahoma homeowner's insurance cover tornado and wind damage?
You will need to read your policy to see what types of damage are included in Oklahoma homeowner's insurance. Some do not cover tornado-related damage such as wind and hail. If this is the case, you may want to consider a different policy. Be sure to discuss your options with your agent.
What if I still have questions about Oklahoma homeowner's insurance?
You can contact the Oklahoma Department of Insurance in Oklahoma City at 1-800-522-0071 or in Tulsa at 1-800-728-2906. The Insurance Information Institute is also a reliable source of information for consumers.
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