Oklahoma Home Insurance
Safeguard Your OK Home From Natural Disasters
Oklahoma can suffer from tough seasons, bringing in unwanted weather with natural disasters like harsh storms, heavy winds and devastating wildfires. This makes Oklahoma
homeowners insurance essential to protect your home and your personal possessions inside it.
There are many homeowners insurance companies, but not all of them offer the same coverages. To find the kind of coverage you need, call a licensed statewide insurance agency like The Hartford. We can help assure you get good protection and provide you with a quote. To find the best price for your coverage, consider comparing insurance quotes. Our representatives can go over national averages and current insurance rates with you. You can also
get an online quote or file a claim.
How Much Is Oklahoma Homeowners Insurance Coverage?
The standard coverages included in your homeowners insurance policy are:
Dwelling coverage helps pay to repair or rebuild your home and its’ attached structures. This includes coverage for:
- Electrical wiring
- Plumbing
- Heating and air conditioning
- Staircases
- Walls
Other structures coverage, which helps protect detached buildings on your property. For example, if a storm damages the fence in your backyard, this coverage can help pay for the repairs.
Personal property coverage to help protect the belongings in your home. For your valuable or rare collectible items, consider adding Valuable Items Blanket coverage.
Loss of use coverage, which can help cover your temporary living expenses if your home is unlivable because of damage from a covered loss.** For instance, if a tornado destroys part of your home, this will help pay for hotel lodging while it’s being repaired.
Liability coverage to help pay for your legal defense and court judgments when facing a lawsuit. For instance, if your pet bites a neighbor and they sue you, this coverage can help cover your legal expenses.
Medical payments coverage to cover emergency medical bills if someone sustains an injury on your property. For example, if a guest trips down your stairs, gets injured and sues you, this coverage can help pay their medical bills.2
According to the Insurance Information Institute (III), the average annual OK home insurance costs around $1,885. However, there are different factors that affect your policy’s cost, such as your:
- Claims history
- Pets
- Home type
- Credit score
Additional Coverage Available for Your OK Home Insurance Policy
For many homeowners, basic coverages are not enough to fully protect their property. To extend coverages, you can buy our
Home Advantage Package, which includes:
3
“New for Old” Protection‡‡ to help cover your possessions if they get destroyed.
Personal injury liability coverage to help cover costs from libel or slander claims.
Reimbursement for replacing locks if you lose your key or someone steals it.‡
Identity fraud expense coverage to help cover lost income and legal fees if you suffer from identity theft. This will help with out-of-pocket expenses you have to pay, up to $25,000.
If you need more protection, we also offer our Home Advantage Plus Package. This includes all the benefits of our Home Advantage package, plus these extra coverages:4
Disappearing Property Deductible‡‡ to reward safe home and condo owners. This coverage reduces your deductible by $50 every three years that you don’t have an insurance loss.5 It is reduced by another $50 for each year you go without a claim.
Enhanced identity fraud expense coverage to compensate you for out-of-pocket legal fees and lost income up to $50,000 if you suffer from identity theft.
Some other coverage options you can add to your policy are:
Equipment breakdown coverage to help cover the costs of mechanical or electrical breakdowns for your appliances and electronics.6 This does not include normal wear and tear. For example, this coverage can help cover your costs to replace your refrigerator after it breaks.
Valuable items blanket to provide extra protection for certain valuables. For instance, if you have insured jewelry that gets stolen, this coverage can help cover its replacement costs.
Earthquake coverage to help pay for
damage resulting from earthquakes in Oklahoma. So, if an earthquake damages your home’s foundation, this coverage can help pay to have it repaired. Keep in mind that this coverage is not automatically included in your policy but you can add it for an extra layer of protection.
Your homeowners insurance coverage is customizable, but it helps to know what coverages you need. That’s why inventorying your items before you select your policy is essential. To create a successful inventory, be sure to:
- Write down features for all your items including age, color and other detailing.
- Take photos of the items.
- Write down serial numbers for bigger items or electronics.
- Group similar items together like dishes or clothes.
- Save a copy digitally by typing the list or taking a photo of it to ensure it doesn’t get damaged.
Get a Quote for Oklahoma Homeowners Insurance From The Hartford
Whether you’re in Oklahoma City, Tulsa, Norman, Broken Arrow or Lawton, you can get the home insurance you need from The Hartford. In fact, we’ve been providing insurance to homeowners across Oklahoma for years. Throughout this time, we’ve dedicated ourselves to providing quality customer service. We’d be happy to talk through our Oklahoma homeowners insurance policies and are available 24/7 to answer your questions.
Not all features and benefits are available in all states. Conditions and exclusions apply.
‡ Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. A policy without these added benefits is also available.
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
3 This package is ideal for customers who want extra protection, above their base policy, for certain coverages such as: Replacement Cost Contents Coverage, Personal Injury Protection, and ID Fraud Expense Coverage.
4 Our most popular package, Home Advantage Plus includes all the features of Home Advantage, plus extra benefits such as the Disappearing Property Deductible‡‡ and Equipment Protection Advantage.
5 Responsible homeowners deserve to be rewarded. If you have no homeowners claims in the past three years, The Hartford will lower your property insurance deductible by $50. Then, we’ll lower it another $50 after each year without a claim – until your property deductible reaches zero. This reduction of deductible does not apply to Mine Subsidence and Equipment Breakdown coverage.
6 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.