Oklahoma Home Insurance
As a homeowner looking to purchase insurance in Oklahoma, you might want to make sure your home is covered in the event of a tornado. In May 1999, Oklahoma paid out a record catastrophe loss of $955 million for insured property, more than any other state for a series of storms that hit during the same time period. Your homeowners insurance will offer you financial protection in the event of loss or damages in case of emergency.
Oklahoma homeowners should be aware that most homeowner insurance policies don't automatically cover these potentially devastating events. For example, the most popular policy, the HO-3 (also known as standard coverage) will usually protect you in case of hail, fire, windstorm, vandalism and theft. Your policy may also provide liability coverage for injury to guests of your home.
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Recently the insurance commissioner of Oklahoma warned all Oklahoman homeowners to protect themselves against the dangers of flooding by purchasing flood insurance protection, which is available separately from basic homeowners insurance through the National Flood Insurance Program. According to the Commissioner, over 87% of structures located in Oklahoma’s designated floodplains have no flood insurance at all. As a homeowner in Oklahoma, you can provide some very basic facts about your home and its location when you request a rate quote, and you'll quickly receive information about a comprehensive policy that will protect your home and your belongings against the unexpected.
By requesting a rate quote from several different insurance agents, you can easily become informed about what is and is not covered by the different policy options out there helping you decide which options you want to add on for your particular situation. By performing a little research ahead of time and learning the definitions of the various types of coverage out there, you can save big on your homeowner's insurance premiums.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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