Tornadoes, hail and straight line winds make Oklahoma one of the hardest states in the country to insure a home. We are an independent Oklahoma City brokerage, so we shop multiple carriers to find the coverage that actually fits your house and your budget.
The short answer: Oklahoma homeowners pay about $4,053 per year on average, among the highest in the nation. Our clients save an average of $650+ per year when we re-shop their coverage, and bundling home and auto typically saves another 15 to 25 percent.
Your policy has to survive tornado season
Oklahoma averages around 62 tornadoes a year, and roughly 70 percent of homeowner claims here are weather related. A policy written like it would be in Ohio leaves real gaps in Oklahoma City, Edmond, Yukon, Moore, Mustang and Norman. These are the four risks we build every home policy around:
Tornado
Tornado damage is covered under wind, but your wind deductible decides what you actually pay. See our tornado insurance guide.
Hail
Oklahoma hail claims are among the highest in the nation. An impact resistant roof can cut your premium 10 to 30 percent with many carriers.
Straight line wind
Winds over 100 mph happen here without a tornado. Your dwelling limit needs to reflect today's rebuild costs, not the price you paid for the house.
Flood (not included)
No standard home policy covers flood. If your home sits low or near a creek, we quote a separate flood policy alongside your homeowners.
The six coverages inside every home policy
Every homeowners policy is built from the same six parts. What changes is the limits, the deductibles and the fine print, and that is where we earn our keep.
| Coverage | What it protects | How much you need in Oklahoma |
|---|---|---|
| A · Dwelling | The structure itself: roof, walls, foundation, attached garage. | 100% of today's rebuild cost. Construction prices have jumped, so we re-check this every renewal. |
| B · Other structures | Detached garage, shop, fence, storm shelter. | Usually 10% of dwelling. Raise it if you have a shop or outbuildings. |
| C · Personal property | Everything inside: furniture, clothes, electronics. | Replacement cost coverage, not actual cash value. The difference is enormous after a total loss. |
| D · Loss of use | Hotel and living costs while your home is rebuilt. | After a tornado, rebuilds take months. We recommend 12+ months of coverage. |
| E · Personal liability | Lawsuits if someone is hurt on your property. | $300,000 minimum, $500,000 if you have assets to protect. An umbrella adds more for very little. |
| F · Medical payments | Small injuries to guests, no lawsuit needed. | $5,000 is typical and inexpensive. |
Coverage guidance based on quote and policy data from OKC Insurance Brokers, an independent Oklahoma City brokerage since 2015.
Your wind and hail deductible is the real price of your policy
In Oklahoma, wind and hail damage almost never uses your flat dollar deductible. Instead you pay a percentage of your dwelling coverage, typically 1.5% to 5%. On a $300,000 home, a 2% wind deductible means the first $6,000 of a hail claim comes out of your pocket. At 5%, that is $15,000.
Two ways we attack that number:
Look at the deductible as hard as the premium
The cheapest premium often hides the biggest wind deductible. We compare both numbers side by side across every carrier we quote.
Buy the deductible down
A separate wind and hail deductible buy down policy covers most of that out of pocket gap for a modest yearly cost.
Upgrade the roof, lower the rate
Impact resistant shingles and FORTIFIED roof standards earn real discounts with many carriers, and Oklahoma's Strengthen Oklahoma Homes program has offered grants of up to $10,000 toward FORTIFIED roof upgrades.
Home + Auto
Save up to 25%
- Bundling home and auto with the same carrier typically saves 15 to 25 percent on both policies
- Several of our carriers, including Mercury, Liberty Mutual, Travelers and National General, write both lines in Oklahoma
- One agent, one renewal review, one call when hail season hits
- Oklahoma requires 25/50/25 auto liability at minimum. We usually recommend 100/300/100, and bundling often makes the better limits cost less than your old minimum policy
Already have one policy with us? Adding the second line is usually a ten minute call.
Quote both in one shot
One short form covers your house and your vehicles. Most bundles are quoted the same business day.
Add-ons worth a look in Oklahoma
Water backup
Sewer and sump backup damage is excluded from base policies and common after heavy Oklahoma rain.
Service line
Covers the water, sewer and electric lines between the street and your house. Repairs run five figures.
Earthquake
Not covered by standard policies, and Oklahoma has real seismic activity. Inexpensive to add.
Scheduled valuables
Jewelry, guns and collectibles above the standard sub limits get their own coverage.
Umbrella liability
An extra $1M of liability over your home and auto policies, usually for less than a dollar a day.
Tornado supplement
Extra cash on top of your policy after a tornado, when deductibles and extra costs pile up. How it works.
One quote request, multiple carriers compared
We work for you, not for any single insurance company. These are the carriers we quote Oklahoma homes with today:
Tell us about your home
Two minutes online, or call and we pull most of it from public records for you.
We shop every carrier
Premium, wind deductible and coverage gaps compared side by side. Most quotes come back the same business day.
Pick and bind
We can bind on the spot and send proof of insurance to your mortgage company the same day.
We re-shop at renewal
If your renewal jumps, we automatically re-run the market before you ever see the bill.
Oklahoma home insurance FAQ
Oklahoma homeowners average about $4,053 per year, well above the national average, mostly because of tornado, hail and wind exposure. Your rate depends on your roof, home age, ZIP code, deductible and credit history. Comparing carriers is the single biggest lever: our clients save an average of $650+ per year when we re-shop their coverage. See our cheapest home insurance in Oklahoma breakdown for carrier by carrier numbers.
Yes. Tornado damage falls under the wind coverage in every standard homeowners policy. The catch is the wind and hail deductible, usually 1.5% to 5% of your dwelling coverage, which you pay before the insurance company pays anything. A deductible buy down policy or a tornado supplement can close that gap.
Bundling with the same carrier typically saves 15 to 25 percent on both policies. Several of our carriers, including Mercury, Liberty Mutual, Travelers and National General, write both lines in Oklahoma, so we can quote the bundle across the whole market instead of one company's version of it.
The big exclusions are flood, earthquake, sewer backup and normal wear like an old roof simply wearing out. Flood and earthquake are separate policies, and water backup is a cheap endorsement. We flag every exclusion that matters for your specific property before you buy.
Usually yes, and meaningfully. Class 4 impact resistant shingles earn discounts of 10 to 30 percent with many Oklahoma carriers, and FORTIFIED certified roofs can earn more. Oklahoma's Strengthen Oklahoma Homes program has offered grants of up to $10,000 toward FORTIFIED roof upgrades. If you are replacing a roof after hail, that is the moment to upgrade.
Most home quotes come back the same business day, and we have authority to bind coverage on the spot with our carriers. Closing on a house this week? Call or text (405) 509-9433 and we will make your closing date.
Get your Oklahoma home quote today
Serving Oklahoma City, Edmond, Yukon, Mustang, Moore, Norman, Midwest City and Piedmont. Free quotes, no pressure, usually same day.
OKC Insurance Brokers · 11901 N MacArthur Blvd, Suite D-9, Oklahoma City, OK 73162