How much does landlord insurance cost in Oklahoma?

Across the 165+ Oklahoma rental properties insured through OKC Insurance Brokers, the typical premium is about $1,500 per year for one rental property. Most landlords pay between $1,200 and $2,100 per property per year, with a full range of roughly $800 to $3,900 depending on rebuild value, roof age, deductible choice, and location.

What wind and hail deductible do Oklahoma landlord policies carry?

Most Oklahoma landlord policies carry a separate wind and hail deductible of 2% to 5% of the dwelling coverage. On a $200,000 rental that is $4,000 to $10,000 out of pocket after a storm, so the deductible choice matters as much as the premium.

Which companies write landlord insurance in Oklahoma?

As independent brokers in Oklahoma City, OKC Insurance Brokers shops rental properties across carriers that actively write Oklahoma landlord business, including Liberty Mutual, Foremost, Obie, American National, Steadily, and American Modern.

Landlord Insurance OKC, Oklahoma City

We provide affordable landlord insurance for Oklahoma rental properties: single homes, duplexes, or full portfolios. Get a quick quote below to protect your rental investment.

Understanding landlord insurance

What Oklahoma Landlords Actually Pay: Real Numbers From Our Book

Based on 165+ rental properties we insure across Oklahoma

We are not quoting national averages. These figures come straight from the landlord and rental dwelling policies we manage for Oklahoma property owners right now, in 2026.

$1,500Typical yearly premium for one rental property (our book median)

$1,200 to $2,100What the middle half of our landlords pay per property, per year

$800 to $3,900Full range across the book, from small paid off rentals to large newer homes

What moves your price inside that range: the rebuild value of the home, roof age and shape, the wind and hail deductible you choose, claims history, and whether the home sits in the metro or a rural protection class.

The Wind and Hail Deductible Is Where Oklahoma Landlords Win or Lose

Most Oklahoma rental policies carry a separate wind and hail deductible of 2% to 5% of the dwelling coverage. On paper that sounds small. In dollars it is not:

Dwelling coverage	2% wind/hail deductible	5% wind/hail deductible
$150,000	$3,000 out of pocket	$7,500 out of pocket
$200,000	$4,000 out of pocket	$10,000 out of pocket
$300,000	$6,000 out of pocket	$15,000 out of pocket

A cheaper premium with a 5% deductible can cost you more after one hail storm than years of the premium savings. We run both numbers on every quote so you pick with your eyes open.

We Shop Your Rental Across Real Landlord Markets

Because we are independent, one application gets your property in front of the carriers that actually want Oklahoma rentals, including Liberty Mutual, Foremost, Obie, American National, Steadily, and American Modern. Different carriers price roof age, older homes, and portfolios very differently, and that spread is exactly why our landlords’ premiums range as widely as the numbers above.

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As an independent insurance agency we have access to multiple top-rated insurance companies. We’ll shop the competition on your behalf to find the best deal!

OKC Insurance Brokers
11901 N MacArthur Blvd STE D9
Oklahoma City, OK 73162
Phone: (405) 509-9433

Oklahoma Landlord Guides

Oklahoma landlord insurance guide (2026): coverage, costs and OKC risks explained.
Your legal obligations as an Oklahoma landlord: local laws, evictions and tenant rights.
How and when to raise rent: keeping good tenants while managing increases.