What happens after you send the form. OKC Insurance Brokers is an independent broker in Oklahoma City with 165+ rental properties on the books. Your form goes to one person, who runs the property across every landlord market we hold and comes back the same business day with the carriers side by side, the wind and hail deductible worked out in dollars at 3 percent and at 5 percent, and the roof settlement basis spelled out. Nothing is bound until you say so. If you would rather read first, the Oklahoma landlord insurance page has our real numbers and the coverage explained.
Your homeowners policy does not follow the tenant
Once a property is rented out, a homeowners policy can reduce coverage or deny a claim outright, and carriers do both when they learn a house is tenant-occupied. Two gaps catch landlords most: liability when a tenant or their guest is hurt on the property, and the rent you stop collecting while the house is unlivable after a storm. A landlord policy is built for a property someone else lives in, whether it is occupied, between tenants, or vacant during a renovation.
| Homeowners policy | Landlord policy | |
|---|---|---|
| Built for | The owner living in the house | A house someone else lives in |
| Tenant or guest hurt on the property | Often excluded or reduced | Premises liability included |
| Rent lost after a covered claim | Not covered | Loss of rents, usually 12 months |
| Vacant or between tenants | Can void coverage | Addressed, with a vacancy form when needed |
| Tenant's belongings | Not covered | Not covered; that is their renters policy |
What we quote
Single-family rentals
One house, one tenant. Dwelling at rebuild cost, other structures, loss of rents, liability. The most common quote we run.
Duplex, triplex, fourplex
Same landlord markets as a single rental, one policy, loss of rents sized to all the units. Five units and up on one building is a commercial package instead.
Portfolios
Several houses quoted together: one renewal date, usually better pricing, and a personal umbrella above the whole set is simpler to place.
Vacant and rehab properties
Between tenants or mid-renovation, on a vacancy form or a builders risk policy depending on whether work is happening. Tell us on the form.
What the quote will show you
- Two deductibles in dollars. Most Oklahoma rental policies carry a 3 to 5 percent wind and hail deductible. On a $200,000 dwelling that is $6,000 or $10,000 out of pocket after one hail storm; we show both so a cheaper premium does not hide a bigger check.
- Roof settlement basis. Replacement cost or actual cash value on the roof, stated before the storm, not discovered after it.
- Loss of rents at your actual rent for 12 months, the coverage landlords are most glad they bought.
- Liability at $300,000 minimum, $500,000 or $1,000,000 where an umbrella is not the better answer.
- The carriers side by side. Liberty Mutual, Foremost, Obie, American National, Steadily, American Modern and others price roof age, older homes and portfolios very differently.
Landlord quote questions we get asked
How is a landlord insurance quote different from a homeowners quote?
A homeowners policy is written for the person living in the house. A landlord policy, usually on a dwelling fire form, is written for a property someone else lives in: it adds premises liability for the tenant and their guests and loss of rents for the months the house cannot be rented after a covered claim, and it does not cover the tenant's belongings. Quoting it as homeowners, or leaving a rental on a homeowners policy, is the fastest way to a denied claim.
How much does landlord insurance cost in Oklahoma?
Across the 165+ rental properties OKC Insurance Brokers insures, the median is about $1,500 a year and the middle half falls between $1,200 and $2,100. New quotes for a single Oklahoma City rental in 2026 typically land between $1,800 and $3,500, with newer roofs and lower wind and hail deductibles at the low end. Your quote comes back with both deductibles worked out in dollars.
What do you need to quote a rental?
The address, year built and square footage, roof age and material, whether it is occupied, vacant or between tenants, the rent you collect, the dwelling coverage you want (rebuild cost, not purchase price), and your current declarations page if you have one. The form asks for exactly that and takes about five minutes.
Do you quote duplexes, fourplexes and portfolios?
Yes. A duplex, triplex or fourplex goes on the same landlord markets as a single rental house, with loss of rents sized to all the units. Portfolios of several houses are usually quoted together for one renewal date and better pricing. Five units and up on one building is a commercial habitational package and goes through the business quote instead.
Can you insure a vacant rental or one under renovation?
Yes, but tell us. Most landlord policies restrict coverage after 30 to 60 days of vacancy, so a house between tenants or mid-rehab needs the policy endorsed or written on a vacant dwelling form. Say so on the form and we quote it right the first time.
How fast is the quote?
Most landlord quotes come back the same business day. A closing date or a lender deadline goes to the front of the line, and we can bind and send the evidence of insurance to the lender the same day.
Do you write landlord insurance in Texas too?
Yes. Oklahoma and Texas. Texas coastal counties carry their own wind requirements, so tell us the county on a Texas property and we route it to a carrier that writes there.
Related: Oklahoma landlord insurance (real numbers, coverage, requirements), real estate investor insurance for REO and portfolio programs, vacant dwelling insurance, and renters insurance for the tenant's side of the lease.