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: the homes we quote in the Oklahoma City metro run about $2,500 to $4,500 a year. That is our own quote data from OKC Insurance Brokers, not a national average, and roof age, rebuild value and the wind and hail deductible move it most. Bundling home and auto usually earns a multi-policy discount on both policies, and we price it bundled and split so you see which is cheaper.
SEE RATES ON SCREEN NOW HAVE US SHOP IT
Your policy has to survive tornado season
Oklahoma sees dozens of tornadoes most years, and most of the home claims we handle are weather claims. A policy written like it would be in Ohio leaves real gaps in Oklahoma City, Edmond, Yukon and Mustang. 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 earns a real discount 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 founded in 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 3% to 5%. On a $300,000 home, a 3% wind deductible means the first $9,000 of a hail claim comes out of your pocket. At 5%, that is $15,000. A flat $5,000 wind and hail deductible is a good one when a carrier will write it, and 3 to 5 percent of the dwelling is what most Oklahoma policies are offered.
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 with one carrier
- Bundling home and auto with the same carrier earns a multi-policy discount on both policies; whether the bundle or a split is cheaper depends on how that carrier prices your roof, so we quote both
- 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 homeowners insurance requirements and laws
People search for Oklahoma's home insurance requirements expecting a state law. There is none: no Oklahoma statute requires a homeowner to carry insurance. Four other things do the requiring, and they are worth knowing before a closing.
- Your mortgage lender. Every mortgage requires a homeowners policy for at least the loan balance, with the lender named as mortgagee so it is paid first on a total loss. Let it lapse and the lender buys force-placed coverage, which protects only the lender, costs far more, and is billed to you.
- The closing itself. The title company needs proof of insurance, usually an evidence of insurance or a declarations page, before funding. We bind and send it the same day.
- Your HOA, if you have one, can set a minimum liability limit and, for a condo, decides what its master policy covers and what your HO-6 has to pick up.
- Oklahoma law on the insurer's side. The carrier must be licensed by the Oklahoma Insurance Department, or placed through a licensed surplus lines broker. Percentage wind and hail deductibles are legal and standard here, and so are roof schedules that pay actual cash value on an older roof. Neither has to be hidden from you, and on our quotes neither is: the deductible in dollars and the roof settlement basis are on the first page.
Buying in the metro? The same broker can help: John Shawareb is a licensed Oklahoma real estate broker as well, so the policy is in place by closing day without a second phone call.
Oklahoma home insurance questions we get asked
How much does home insurance cost in Oklahoma City?
The homes we quote in the Oklahoma City metro run about $2,500 to $4,500 a year. That is OKC Insurance Brokers' own quote data, not a national average. Roof age and material, rebuild value, the wind and hail deductible you choose, claims history and ZIP code move it most. Our cheapest home insurance in Oklahoma City page shows how the carriers differ.
Does home insurance cover tornado damage in Oklahoma?
Yes. Tornado damage falls under the wind coverage in every standard homeowners policy. The catch is the wind and hail deductible, usually 3 to 5 percent 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.
Is home insurance required by law in Oklahoma?
No Oklahoma statute requires a homeowner to carry insurance. Your mortgage lender does, for at least the loan balance with the lender named as mortgagee, and if you let it lapse the lender buys force-placed coverage at a much higher price and bills you. An HOA can set its own minimum liability limit. The Oklahoma Insurance Department licenses the carriers and handles complaints; percentage wind and hail deductibles and actual cash value roof schedules on older roofs are both legal and common here, so read those two lines before you buy.
How much can I save by bundling home and auto insurance?
It depends on the carrier and on your roof. Bundling with one carrier earns a multi-policy discount on both policies, and for many households that is the cheapest total. For some, one carrier's auto rate plus another carrier's home rate beats any bundle, because Oklahoma home pricing is driven by roof age. We quote it both ways and show you the two totals.
What does home insurance NOT cover?
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.
Will an impact resistant roof lower my premium?
Usually yes. Class 4 impact resistant shingles earn a discount 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.
Is there a home insurance broker near me in Oklahoma City?
Yes. OKC Insurance Brokers is an independent broker at 11901 N MacArthur Blvd STE D9, Oklahoma City, with clients across Edmond, Yukon, Mustang, Midwest City, Piedmont and statewide including Tulsa. Independent means we hold appointments with multiple carriers and shop your house across all of them, instead of selling one company's policy.
How fast can I get covered?
The online rater shows real rates on screen in a few minutes. If you would rather we shop it, 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.
What is a normal wind and hail deductible in Oklahoma, and can I get a flat amount?
Expect 3 to 5 percent of the dwelling limit on most Oklahoma home policies now. A flat $5,000 wind and hail deductible is a good one when a carrier will write it, usually for a higher premium. On a $330,000 house, 3 percent is $9,900 out of your pocket after one hail storm and a flat $5,000 is about half that, so we quote both and let you see the trade.
Should I file a hail claim or pay for the roof myself?
Get a written roofer estimate first and compare it to your wind and hail deductible. If the repair is close to the deductible, paying out of pocket keeps a claim off your record, and a claim follows you for three to five years with most carriers. File when the damage is real and well above the deductible. We will look at the estimate with you before you decide.
Can a roofer cover or waive my deductible?
No. Since November 1, 2022 it is illegal in Oklahoma for a roofer to pay, rebate or absorb your insurance deductible (59 O.S. 1151.30), and their estimate has to carry a notice saying so. A roofer who offers to eat the deductible is inviting insurance fraud onto your claim file. Pay the deductible, keep the receipt.
Why did my Oklahoma home insurance jump so much this year?
Oklahoma carriers lost money on homes two years running because of hail and wind claims, and every renewal now carries a rate increase plus a re-priced roof. Premiums doubling from one year to the next, like the $1,100 to $4,500 renewals people post about in Yukon and Edmond, are usually one carrier correcting its whole book at once. That is exactly when shopping across carriers pays, because they do not all move at the same time.
Can I switch home insurance companies while I have a mortgage?
Yes, any time, the same as car insurance. Your lender only requires that a policy is in force and that it is named as mortgagee. We bind the new policy, send the new declarations page to the lender or escrow servicer, and cancel the old one for a refund of unused premium. Nothing about your loan changes.
What do carriers require before they will insure my Oklahoma house?
Roof age and condition first: many carriers will not write a roof over 15 to 20 years old at replacement cost, and some ask for a roof inspection or photos. Then updated electrical and plumbing on older homes, no open claims, and no dog on their restricted breed list. Impact-resistant shingles and a monitored alarm earn discounts. Tell us the roof year up front and we will only quote carriers that will actually take it.
Is a home insurance broker better than a captive agent in Oklahoma City?
A captive agent sells one company. An independent broker quotes several, so when one carrier raises your rate 40 percent you move without starting over. It costs you nothing extra: the carrier pays the broker the same way it pays its own agents. Most of the advice on r/okc and r/oklahoma about high home insurance ends the same way: find an independent broker.
Get your Oklahoma home quote today
Serving Oklahoma City, Edmond, Yukon, Mustang, Midwest City and Piedmont. Free quotes, no pressure, usually same day.
OKC Insurance Brokers · 11901 N MacArthur Blvd STE D9, Oklahoma City, OK 73162