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Oklahoma Fire Insurance Quotes

In oklahoma the wind blows and that means fires move fast. Whether you live in OKC or a suburb like Yukon you know that ground fires occur often and rarely are contained quickly due to the wind. Having fire insurance in Oklahoma is a must and we can help you get the best policy at the lowest rate. Get multiple quotes from insurance agents who represent companies like Farmers, State Farm, Allstate and Foremost.

Fire insurance is not just limited to protection from fire but also includes coverage for wind, hail and many other perils. In fact fire insurance is simply another term for homeowner's insurance. When you live in Oklahoma the summers are hot, winters are mild and the spring is just a rollercoaster of tornadoes. Each year there are hundreds of tornadoes, fires, and ice storms that can cause massive damage to your home. Why not make sure you have the best protection possible and at a competitive rate.

Bad credit makes for high insurance premiums

Oklahoma fire insurance can be more costly if you have poor credit history. It is legal in Oklahoma for insurance companies to consider credit information when determining rates. There are limits to the types of information that may be used, what consideration it may be given and how often is may be considered.

Just like a mortgage loan it is better to have a good credit history when purchasing insurance. Many companies will view a homeowner with poor credit as someone who is more likely to file claims at higher amounts. It is a good idea to check your credit report each year for any inaccuracies as they do happen.

Home Fire Insurance Could Increase In the Coming Years

Fire insurance companies in Oklahoma look at previous years to determine how much to rate a policy for in the future. This allows them to determine if it was profitable or not to operate at the current rate structure in that zip code. Due to the massive destruction caused by tornadoes in Moore and El Reno the insurance companies will likely raise rates.

In Moore Oklahoma the EF5 tornado killed 23 people, injured over 350 and leveled homes in a highly populated area. This kind of destruction is very expensive for the home insurance companies so they will look at how much money it will cost to pay out claims. If they experienced a loss in the previous couple years in addition to this last storm it is likely rates will surge in the coming years.

What are the most common claims for homeowners in Oklahoma?

For most homeowners in Oklahoma it is not the most common claims that cost the most but here is a list of the most common:

  • Water - usually caused by broken water pipes but also can occur from outside rising water. Remember that flood insurance is separate from home insurance.
  • Wind - wind can be very destructive leaving homeowners without the primary protection from rain and snow.
  • Hail - very common during tornado season, leaving dents in cars and homes can be a very expensive storm
  • Fire - fire damage can occur from kitchen fires or electrical malfunctions

Home Fire Insurance by City

  • Oklahoma City
  • Tulsa
  • Norman
  • Broken Arrow
  • Lawton
  • Yukon
  • Edmond

More cities are included but these are the largest in Oklahoma.

 

 

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