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Oklahoma Homeowners Insurance

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.


Understanding Oklahoma Homeowners Insurance

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:

  • HO-1: This basic policy offers protects your dwelling and personal property from 11 perils, some of which include fire and lightning; windstorm or hail; riot or civil misconduct and damage caused by vehicle or aircraft.
  • HO-2: This is a basic "plus" policy which offers protection from the basic 11 perils plus six more. Some of these include weight of snow or ice; falling objects; electrical damage and water damage from home appliances.
  • HO-3: This is an extended policy for special homeowner items. It provides protection from 17 perils not cited in your policy with the exception of earthquake, war and nuclear accident.
  • HO-8: This is a common policy for older homes and offers protection from 11 perils. An HO-8 policy differs from a basic policy because it covers repairs or actual cash values, excluding rebuilding costs. If you own a home with special features (such as historic or architectural), you may want to consider this plan as it adds to your home's replacement cost.

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.

Start Protecting Your Home Today!

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