Homeowner insurance isn't required by law in Oklahoma, but if you bought your home with help from a lender, like a bank, your lender may make you buy a policy until you pay off your loan. No matter what, it's smart to buy a home owner insurance policy in Oklahoma to protect your home, your family, your belongings, and even your guests and visitors.
When you start looking for the right homeowner's insurance quote, there are a few things to keep in mind:
Most insurance policies for homes in Oklahoma do not cover damage from floods. For flood damage protection, call 800-CALL-FLOOD, which is the number for the National Flood Insurance Program.
Some Oklahoma homeowner insurance policies cover damage caused by wind and tornadoes, while others don't. If you're worried about damage from wind and tornadoes, make sure to ask the Oklahoma home owner insurance company if the policy you're getting a quote for covers damage from wind and tornadoes. If it doesn't, you might want to get a different home owner insurance quote for a different policy or start looking at a different Oklahoma home owner insurance company.
Not every home owner insurance company in Oklahoma will give you a quote for home owner insurance. There may be many reasons for this. Maybe the Oklahoma home insurance company thinks your house is too much of a "risk" because it has unsafe structures, is too old, or is in a bad area. If you are having trouble getting a quote for home owner's insurance in Oklahoma, meaning that at least two different Oklahoma home owner's insurance companies have turned you down, don't worry. Try getting in touch with the Oklahoma Market Assistance Program (OK-MAP). OK-MAP is a group of insurance companies that can help you get home insurance.