Oklahoma homeowners insurance

How you're covered

A typical policy in Oklahoma may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed. This is also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

More ways to stay covered in Oklahoma

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Oklahomans may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Oklahoma?

Progressive homeowners policies in Oklahoma had an average monthly price of $205.81 or $2,469.66 for an annual policy in 2023.^* What you pay for insurance could be higher or lower, depending on a variety of factors that influence homeowners insurance costs, including location, type of home, and roof construction. Insurance deductibles, coverage selections, and prior claims history may also impact your rate.

Get a homeowners insurance quote for your Oklahoma home to see how affordable coverage can be.

Helping you save on homeowners insurance in Oklahoma

You can save on your insurance by taking advantage of homeowners insurance discounts. Bundling homeowners and auto insurance in Oklahoma, installing alarm systems, paying in full, and going paperless are all potential discounts you could be eligible for.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live or find a local agent in Oklahoma.

Is homeowners insurance required by law in Oklahoma?

Oklahoma doesn't require homeowners insurance by law, but your mortgage lender may require you to have a homeowners insurance policy in place as part of your financing agreement. But even if you own your home, homeowners insurance coverage can be crucial in protecting what’s often your most valuable and important asset.