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Homeowners Insurance In Oklahoma
Mercury Insurance believes every homeowner in Oklahoma deserves reliable protection. That's why we offer an array of coverage options to create a policy that meets every homeowner’s needs. Mercury has local independent agents available all across the Sooner State, so we can guarantee you’ll get the right coverage for your home.
The Right Coverage for Oklahoma Residents
When you choose Mercury, you get one of the best homeowners insurance companies in Oklahoma. We offer solid coverage at an affordable rate. Plus, you get a local independent agent who knows your specific location and the potential dangers surrounding the area.
Oklahoma weather can be unpredictable and dangerous. The state regularly sees various natural disasters, including tornadoes, hail storms, floods, and wildfires. These severe weather conditions can leave thousands of homes damaged or even destroyed. That's why you should talk to your local Mercury agent, who understands the potential perils around your Oklahoma home. Mercury offers several insurance options, such as dwelling protection, personal property, extended replacement cost, and additional living expenses, to help you get back on your feet after a covered loss due to a natural disaster.
Burglary and larceny are also covered loss Oklahoma homeowners can encounter. According to the Oklahoma State Bureau of Investigation, there were 23,963 burglaries and 66,533 acts of larceny reported in 2020. We want to protect you not only from weather damage and natural disasters but also from property theft. That’s why we provide a wide range of insurance coverage options. Here are a few that we offer:
Dwelling Protection
- Helps protect your home’s structure — e.g., foundation, walls, roof, etc. — in the event of a covered loss.
Personal Property
- Helps pay to repair or replace household items — e.g., electronics, clothing, and furniture — following a covered loss.
Extended Replacement Cost
- Extends your dwelling coverage up to 150% to help cover rebuild and replacement costs due to a covered loss.
Additional Living Expenses
- Helps cover additional living costs you incur if you’re temporarily displaced from your home due to a covered loss.
Matching of Undamaged Siding and Roofing
- Provides two additional coverages — siding or roofing — that allow the undamaged portions to be replaced as well when there’s a mismatch.
Limited Hidden Water, Steam Seepage, or Leakage
- Offers coverage that applies to the resulting damages associated with hidden water leaks or steam seepage.
Personal Liability Protection
- Protects you financially if you’re liable for damages or injuries to others — in or out of your home.
Guest Medical Protection
- Helps pay for medical costs if a guest accidentally injures themselves in or around your property.
Identity Theft Protection
- Helps cover expenses you incur as a result of criminal identity theft.
Green Home
- Covers up to an additional 10% of the replacement costs for environmentally-friendly alternatives or construction methods with a covered loss.
Refrigerated Products
- Covers up to $1,000 of food items if there's a loss of power or a mechanical failure of a refrigerator resulting in spoiled food.
For a fast, free quote, call (866) 912-9741.
Homeowners Insurance Discounts for Oklahoma Residents
Mercury understands how important it is to save every dollar on homeowners insurance. That’s why we offer a variety of discounts for Oklahoma residents. Keep in mind that the more you invest in your home, the more likely you are to apply for special discounts. Check out some of the deals we offer for homeowners like you:
Check out a few we offer:
- Multi-policy with our AUTO + HOME Discount
- Protective Devices Discount (smoke alarms, deadbolts, burglar alarms, etc.)
- Fire-Resistant Construction Materials
- Green Home
- Newer Home
- Gated Community
- Selecting a higher deductible
- Paid in Full
- Digital, Paperless Billing
- Good Payer
What Our Customers are Saying
Looking for the best home insurance reviews? Hear directly from Mercury homeowners about their experiences with coverage, claims, customer service, and overall value.
Mercury Offers Quality Homeowners Insurance Near You
Mercury offers quality homeowners insurance options designed to help protect what matters most, with coverage available to homeowners throughout Oklahoma. Explore local home insurance options in cities like Oklahoma City and Tulsa, and discover potential savings by bundling your home and auto insurance.
Learn More About Oklahoma Home Insurance
Get helpful information to better understand homeowners insurance and protect your Oklahoma home from the state’s unique weather risks. At Mercury, we provide comprehensive guides on how much home coverage you need, tips on weather preparedness, and ways to secure your property so you can make informed decisions about your insurance and your home.
Guide to Homeowners Insurance in Oklahoma
Does Homeowners Insurance Cover Tornado Damage in Oklahoma?
Oklahoma Tornado Preparedness Checklist: How to Stay Safe When Storm Season Hits
Oklahoma Home Hardening Guide: Grants, Fortified Roofs & Ways to Strengthen Your HomeQuestions About Homeowners Insurance Coverage in Oklahoma
What Makes Mercury One of the Best Home Insurance Companies in Oklahoma?
As an established insurance provider with more than 60 years of experience, Mercury offers expert local agent support and 24/7 claims assistance. We have credible third-party validation, and we understand the unique risks Oklahoma homeowners face, so we can help you find affordable, trustworthy homeowners coverage that delivers meaningful value for your home and family. We also offer a variety of educational resources to help homeowners prepare for the unexpected and protect what matters most.
How Do I Get a Homeowners Insurance Quote in Oklahoma?
You can start a homeowners insurance quote online, or you can call (866) 912-9741 to connect with a local Mercury agent who can help you build a quote based on your needs.
What is Liability vs. Full-Coverage Home Insurance in Oklahoma?
Liability coverage helps protect you financially if someone is injured on your property or you are responsible for damage to someone else’s property. “Full coverage” isn't a standardized homeowners insurance term, but it usually refers to a broader policy that combines dwelling, personal property, liability, and other coverages subject to policy terms, limits, and exclusions. Learn more about how to file a home insurance claim in Oklahoma.
What is the Best Home Insurance for a First-time Home Buyer in Oklahoma?
The best homeowners insurance for a first-time buyer should protect the home, belongings, and personal liability at a price that fits the household budget. Oklahoma families may also want to consider coverage for weather-related risks and work with a local Mercury agent to better understand their options.
Is Homeowners Insurance Required in Oklahoma?
Homeowners insurance is not mandatory in Oklahoma. However, if you need a home loan, your mortgage lender will likely require you to get homeowners insurance.
What Types of Insurance Are Available in Oklahoma from Mercury?
Explore the insurance options we have available in Oklahoma:
Why is Oklahoma Homeowners Insurance So High?
According to Bankrate, the average cost of Oklahoma homeowners insurance is 160% higher than the national average of $1,383 per year. The insurance rate is high largely due to the state’s location in Tornado Alley and the perils that come along with it. However, Mercury offers some of the state’s most affordable insurance rates, along with several discounts to help further reduce your premium.
Does My Homeowners Insurance Cover Fires in Oklahoma?
Yes, your home insurance covers wildfires in Oklahoma, as well as fires from other sources. Your policy’s dwelling coverage includes fire as a peril, subject to your policy’s terms, limits, and exclusions.
How Much Is Tornado Insurance in Oklahoma?
Tornado coverage isn’t a separate insurance policy. In most cases, your standard homeowners insurance policy covers tornado or windstorm damage. Your insurance premium will depend on factors like your home's location, construction costs in your area, coverage limits, and your deductible.
Does My Homeowners Policy Include Flood Insurance in Oklahoma?
No, homeowners policies usually don’t cover flooding industry-wide, so if you’re in a FEMA-designated flood zone, you live near a body of water, or you want more coverage, you’ll need to purchase a separate policy through FEMA’s National Flood Insurance Program. Talk to a local Oklahoma insurance agent to determine how much flood insurance coverage you may need.
How Much Is Earthquake Insurance in Oklahoma?
Earthquake damage is generally excluded from standard homeowners insurance, so earthquake coverage typically requires a separate policy or endorsement, which will vary depending on the provider, where you live, and how much coverage you need. With increased seismic activity in Oklahoma over the past few years, you may want to talk to a local Oklahoma agent to determine your home’s specific risk.
What Types of Oklahoma Homeowners Insurance Discounts Does Mercury Offer?
Mercury offers a range of homeowners insurance discounts that can help eligible customers save on their premiums, from bundling your home and auto or adding safety features to your home to paying your premiums in full or selecting a higher deductible. Ask a Mercury agent about available Oklahoma discounts and which ones you may qualify for to find the best savings.
What Is the Average Cost of Homeowners Insurance in Oklahoma?
According to Bankrate, the average cost of homeowners insurance in Oklahoma is $3,593 per year or nearly $300 per month.
What Can Void Home Insurance?
Explore the insurance options we have available in Georgia:
- Deliberate damage
- High number of claims
- Illegitimate fire or other covered loss
- Illegal criminal activity
- Being away from home for extended periods
- Making renovations and not letting your insurance company know.