2024

Last updated: May 21, 2024

Best Homeowners Insurance Agencies in Oklahoma City

Our Recommended Top 19

We did the research for you!

Our goal is to connect people with the best local professionals. We scored Oklahoma City Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

331 Reviewed

206 Curated

19 Top Picks

Learn about our selection process .

Providers

Statewide Insurance Agency

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Why choose this provider?

Statewide Insurance Agency is a family-owned and family-operated business that helps customers in Oklahoma City and neighboring metros protect their assets. It strives to provide quality coverage by tapping into more than 10 carriers, allowing its agents to customize policies for each client and find the right company to address their insurance needs. It offers homeowners' plans that include house structure, personal properties, personal liability, and additional living expenses. Statewide Insurance Agency employs staff members who have an average of over 20 years of industry experience.

Copeland Agency LLC

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Why choose this provider?

Copeland Agency LLC is an independent insurance agency based in Oklahoma City, Oklahoma, which was founded by Tamra Copeland, an insurance industry veteran with more than 40 years of experience. The company offers home insurance services covering fire, lightning, vandalism, and weather-related damage to buildings and personal property. Many of the policies they offer cover attached decks and garages as part of the basic insurance, instead of requiring an additional rider or policy.

Glenn Harris & Associates

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Why choose this provider?

Glenn Harris & Associates is an independent insurance agency founded in 1987, located in Oklahoma City and serving customers throughout the state of Oklahoma. The agency offers homeowners insurance policies to help clients protect their dwellings and the contents of their homes. Multiple insurance agents help clients purchase basic homeowners insurance. Glenn Harris & Associates can also package these policies with other insurance products, such as flood and earthquake insurance.

Cornerstone Insurance

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Why choose this provider?

Cornerstone Insurance provides homeowners insurance throughout Oklahoma from its offices in Tuttle and Kingfisher. The brokers at this independent agency customize policies from its many carriers, including Progressive and Safeco, to provide protection for its clients at competitive rates. It discusses home upgrades, such as a security system or hail-resistant roof, that will result in lower premiums. It also offers renters, auto, boat, and farm insurance and commercial auto and property insurance.

Above All Insurance

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Why choose this provider?

Above All Insurance in Oklahoma City, Oklahoma, has been providing home insurance to individuals and businesses in the area for over 15 years. As an independent agency, it can research rates and tailor coverage options from top insurance companies, such as Progressive and Safeco, to protect homes and personal property. Above All Insurance offers personal liability, dwelling, medical expense, and umbrella policies for homes and rental properties and periodically reviews coverage to keep up with clients' changing insurance needs.

Sherman-Hume Insurance Agency, Inc.

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Why choose this provider?

Sherman-Hume Insurance Agency, Inc., provides its services to clients in Oklahoma City and the surrounding communities. The business offers a wide range of products, including home, auto, commercial, and recreational vehicles insurance plans. Through its homeowners' insurance policy, It aims to help protect the client's home and belongings from damages and liability. It also offers Medicare plans and surety bonds. The business is a Trusted Choice agency, representing various carriers, including Progressive, Kemper, Mercury, and Equity.

OKC Insurance Brokers

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Why choose this provider?

OKC Insurance Brokers caters to residents and commercial entities in the Oklahoma City area. The independent agency offers automobile, homeowners', and business insurance. Its staff assesses the client's financial needs and helps them find the insurance policy and carrier that meets their requirements. The agency also acts as a liaison between the client and the insurance company in the event of a claim. OKC Insurance Brokers houses employees who are fluent in Spanish and English.

LW Insurance Services

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Why choose this provider?

LW Insurance Services is an independent and local agency that serves the Oklahoma City locale. The company has more than 20 years of experience in serving individuals and businesses with their insurance needs. It helps homeowners secure a policy to insure their house or property. It also provides clients with options on auto insurance and surety bonds. LW Insurance Services has also helped businesses with managing workers' compensation, general liability, and employment practices liability matters.

Service Auto Insurance

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Why choose this provider?

Service Auto Insurance offers risk management solutions from its office in Oklahoma City. One of the products it offers is home insurance, which covers residential homes, mobile houses, and condominiums. Its team, who speaks in English and Spanish, also writes policies that provide protection from floods and cover business properties. Also included in its product range is auto insurance, which caters to owners of cars, recreational vehicles, motorcycles, and boats. Service Auto Insurance has been in business since 1986.

Thomas Baste Insurance Agency

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Why choose this provider?

Thomas Baste Insurance Agency has been serving the insurance needs of Oklahoma City and its neighboring areas for more than 18 years. The company's agents help clients find and purchase policies that offer coverage for their specific needs and goals. One of its products is homeowners insurance, which provides personalized coverage for structural and property damage, in addition to liability coverage, limited theft protection, and loss-of-use coverage. Other policies include auto, life, business, and landlord insurance.

MWI Insurance Brokers

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Why choose this provider?

MWI Insurance Brokers is an independent people-focused insurance company serving clients in Oklahoma City. The agency aims to protect clients and their families from unexpected and potentially catastrophic incidents by carefully selecting the right personal insurance coverage for them. It offers automotive, motorcycle, watercraft, flood, and homeowners' insurance. Additionally, the agency offers business insurance for building and property owners, business owners, directors, and officers. MWI Insurance Brokers deals with over 100 leading carriers, including Prudential, American Modern, and MetLife.

Auto Insurance Center

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Why choose this provider?

For more than two decades, Auto Insurance Center has been offering home insurance to residents of Oklahoma City, Oklahoma. The company strives to provide quality insurance policies to its clients at affordable prices while offering exemplary customer service. It works with carriers such as Foremost and Mercury Insurance to provide homeowners insurance policies that protect homeowners from the high cost of repairs in the event of a disaster, as well as financial loss that occurs due to displacement or personal liability.

Financial Risk Solutions LLC

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Why choose this provider?

Financial Risk Solutions LLC was founded in 1926 to offer insurance services to individuals living in Oklahoma City. The company's insurance agents guide clients in choosing affordable homeowners insurance policies, which include property coverage to pay for repairs and medical expenses for injuries sustained by nonresidents. Financial Risk Solutions also helps clients with auto and renters insurance. Additionally, the agency has insurance policies covering individual health, condo, and watercraft properties.

Hometown Insurance Agency

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Why choose this provider?

Hometown Insurance Agency is a locally owned and operated company that serves clients throughout the community of Oklahoma City. It provides a homeowners' insurance policy that covers additional living expenses, medical coverage, landlord protection, and personal property insurance. It also offers business, flood, commercial umbrella, and workers' compensation insurance. Hometown Insurance Agency has access to multiple carefully selected carriers, such as CNA Security, AmTrust Financial Services, and The Hanover Insurance Group. Its team of agents has a collective industry experience of more than 60 years.

The Insurance Center Agency, Inc.

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Why choose this provider?

Serving clients in the metro Oklahoma City, Oklahoma, area, The Insurance Center Agency Inc. group provides homeowners insurance policies from several high-rated national companies. Basic homeowners insurance that covers personal effects, personal liability, and property damages are a part of the agency's offerings. Extended coverage that pays medical or living expenses due to extensive property or bodily damage are also available. The Insurance Center Agency also sells commercial property insurance.

Michael Garey

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Why choose this provider?

Michael Garey is a State Farm insurance agent that serves clients across the Oklahoma City metro. He offers homeowners' insurance products and educates clients on further protection through liability insurance coverage. Garey also provides other insurance solutions, including auto, property, health, and life insurance. He guides clients on small business insurance and helps with related options like builder's risk and commercial auto insurance. Garey has more than a decade of experience in the insurance industry. He can also transact with Spanish-speaking clients.

Randy Willingham

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Why choose this provider?

Randy Willingham is a State Farm insurance agent serving clients in Oklahoma City. He offers homeowners' insurance policies that can provide protection for clients' homes, personal belongings, personal liability, and additional living expenses. Randy also carries insurance products for automobiles, properties, businesses, and pets. His insurance agency also offers guidance for clients on the difference between market value and replacement costs, the dangers covered in homeowners' insurance policies, the limits of coverage, and the duties of policyholders.

Perimeter Insurance Agency

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Why choose this provider?

Perimeter Insurance Agency is an independently owned and locally operated insurance agency offering home insurance services to residents in the Oklahoma City, Oklahoma, metro area. This agency regularly assists clients with obtaining coverage for personal injury, personal property, third-party liability, and structural damage by assessing individual needs and reviewing rates from affiliated providers. It assists landlords as well with protection for tenant occupied properties and handles apartment and condominium insurance in addition to single family homes.

Dugar Insurance

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Why choose this provider?

Dugar Insurance is an independent agency that serves Oklahoma City and nearby locations. The two-person team offers homeowners' insurance. Equipped with access to numerous carriers and the plans they offer, the agents help homeowners select from a variety of policy options, whether they are looking for coverage for their homes, belongings, or personal liability. The risk management professionals, who also provide car, boat, life, and business insurance, have partnered with Kemper and Progressive.

FAQs

Introduction

How much does homeowners' insurance cost in Oklahoma City?

In Oklahoma City, the typical expense for homeowners' insurance stands at $4,148 annually for $250,000 in dwelling coverage. Consequently, the average Oklahoma City homeowner is shelling out significantly more than the national average homeowners' insurance rate of $1,428 per year. This higher rate can be attributed to various factors, such as the heightened risk of severe weather occurrences in Oklahoma.

How can Oklahoma City residents save on homeowners’ insurance?

Home safety discounts, which can be obtained by purchasing safety devices for burglaries, fires, and water leaks, are among the deals available to Oklahoma City residents. Those who belong to a homeowners association may also be eligible for discounts. Individuals who own a home built within a decade of the policy's activation date are also eligible for special savings.

What are the coverages included in a homeowners’ insurance policy to protect Oklahoma City homes and personal belongings from various risks?

Homeowners' insurance typically includes a variety of coverages that benefit Oklahoma City residents, such as dwelling coverage. This coverage is intended to protect the structural integrity of the home. Furthermore, coverage for unattached structures on the premises includes, but is not limited to, separate garages, sheds, and fences. Personal property insurance protects personal belongings such as furniture, clothing, and electronic devices.

Are mobile homes covered by standard homeowners' insurance in Oklahoma City?

Because of their unique characteristics and risks, mobile homes are frequently excluded from standard homeowner's insurance policies in Oklahoma City. In general, policies protect homes when they are not being moved. A separate policy is required for owners of manufactured and mobile homes to ensure coverage while their homes are in transit.

Does homeowners’ insurance cover damage caused by household pets in Oklahoma City?

Because homeowners' insurance is a package policy, the answer is yes. This means that it covers both property damage and the homeowners' accountability or legal obligations in the event that they or their family members cause injuries or property damage to third parties. This policy covers damage caused by household pets.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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