Checotah Insurance Rates:

Checotah, OK home insurance is roughly $1,197 to $1,637, about $99-$136/month. Our extensive guide indicates shoppers can save upto $566 by comparing many quotes

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Checotah, Oklahoma Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Checotah Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $3590/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1900 sqft Primary Residence Constructed In 2007 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $4350/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 2840 sqft Seasonal Residence Constructed In 2005 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2340/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2330 sqft Primary Residence Constructed In 1978 with Stone Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 3100 sqft Rental Property Constructed In 1992 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2330/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 2070 sqft Vacation Property Constructed In 1977 with Wood Flooring, Composition Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $840/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

3 Beds, 3 Baths 1280 sqft Vacation Property Constructed In 1974 with Wood Flooring, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $3330/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 1780 sqft Seasonal Residence Constructed In 2010 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $860/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1320 sqft Vacation Property Constructed In 1980 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1850/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Bath 3000 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $280/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 2150 sqft Rental Property Constructed In 2003 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $6050/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2770 sqft Seasonal Residence Constructed In 2002 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Checotah, OK Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
74426 $69,600 $1,410

Checotah Rates & Quotes Analysis:

Checotah Area Estimated House Insurance
Sand Bass Dr, McCombs Ave, Bixby Creek Dr, W Duncan Ave, SE 4th St, Valley View Rd, Morning Vw, Fuller Way, SW Main St, Veto P Quest$1,432
Van King Dr, NE 2nd St, NW 7th St, Kimberly Ln, W South Ave, N Broadway St, Main St, SW 1st St, Meadow Ln, E McIntosh Ave$1,410
NE 3rd St, SE 1st St, SE Main St, Lake Vu Ln, Edgewater Dr, Solena Ln, E Spaulding St, Clubhouse Rd, Ew 114, N4220 Rd$1,415
Black Haw Mtn Rd, N4170 Rd, NW 6th St, A St, Hickory Rd, Beach Rd, SE 5th St, Hillside Dr, NW Main St, N4180 Rd$1,422
Castaway Ct, NE 7th St, Ridge Crest Dr, E W 115, NW 1st St, NW 8th St, Broadway Ave, E1010, Harbor Dr, US Hwy 266$1,412

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,340 Homes (27% of total) built between 1970 to 1979 in Checotah are paying home insurance between $2,298-$2,319 and differs from Texanna (+$17), Warner (+$41), Eufaula (+$34), Duchess Landing (-$48) and Rentiesville (-$31).
  • Bedrooms: 766 1 bedroom homes (9% of total homes ) in Checotah are paying about $1,092. Areas near to Checotah such as Texanna, Warner, McIntosh County are costlier by $7, $33, $3 respectively whereas Oktaha and Longtown are more economical by $13, $12 respectively for similar homes.
  • Auto Insurance Bundling: 1,715 Households (45% of all households) in Checotah have 2 vehicles available and when it is bundled with home insurance you can save $283 and varies from Duchess Landing ($277), Texanna ($285), Rentiesville ($279).
  • Senior Discounts: 2,371 seniors (more than 55 years) occupied housing units (63% of total) in Checotah get discounts between $211 to $213 and differs from Duchess Landing ($208), Texanna ($214), Rentiesville ($209).
  • New Homes discounts: New homes such as the 2,937 homes built between 2000 to 2009 in Checotah can save $283 and similar new home insurance discounts in nearby towns and cities like Duchess Landing, Texanna and Rentiesville are $277, $285 and $279 respectively.

Checotah Homeowners insurance Facts

  • Checotah, OK has 3,752 owner occupied houses which is 81.3% of all units whereas Duchess Landing, Texanna and Rentiesville have 79.17%, 82.24% and 85.45% respectively.
  • Checotah, OK homeowners yearly insurance price at $1,417 is 1.94% of the typical house value of $73,000 which is in contrast with 3.17% in Duchess Landing, 1.73% at Texanna & 2.62% in Rentiesville.
  • Homeowners in Checotah, OK pay 4.36% of their income ($30,000 to $34,999) in insurance whereas homeowners in Duchess Landing, Texanna and Rentiesville pay 4.27%, 4.39% and 4.3% respectively.
  • Checotah, OK’s insurance is 13.5% of monthly housing costs of $877/month, for owners with a mortgage compared to 15.07% in Duchess Landing, 13.02% at Texanna & 19.61% in Rentiesville. But, for households without a mortgage, insurance is 39.9% of costs ($296 in Checotah, OK) in contrast with 63.51% in Duchess Landing, 37.51% at Texanna & 27.41% in Rentiesville.

Checotah, OK Home Values & Insurance rates

For example, insurance for 104 Homes (2.0% of total homes ) valued between $250,000 to $299,999 in Checotah, OK is about $5,342. Rates in nearby areas in such as Texanna, Warner, McIntosh County are cheaper by $591, $1,247, $284 respectively while Hitchita-Pierce and Longtown are costlier by $485 and $1,219 respectively for similar homes.

Checotah, OK Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,109 29.0% $481
$50,000 to $59,999 351 9.0% $1006
$60,000 to $69,999 359 9.0% $1261
$70,000 to $79,999 221 5.0% $1445
$80,000 to $89,999 134 3.0% $1643
$90,000 to $99,999 120 3.0% $1842
$100,000 to $124,999 268 7.0% $2125
$125,000 to $149,999 436 11.0% $2663
$150,000 to $174,999 311 8.0% $3145
$175,000 to $199,999 78 2.0% $3627
$200,000 to $249,999 145 3.0% $4364
$250,000 to $299,999 104 2.0% $5342
$300,000 to $399,999 80 2.0% $6787

Renters Insurance in Checotah

  • Average Renters Insurance in Checotah :  $374($31/month)

  • Median Gross Rent in Checotah :  $612

  • Checotah Renters Insurance to Median Rent Ratio:  5.07%

  • Renter occupied housing units in Checotah :  865

Checotah Renters Insurance as a Percentage of Rent

Checotah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 32 4.0% $393
$200 to $299 37 5.0% $843
$300 to $499 117 17.0% $1293
$500 to $749 336 50.0% $1968
$750 to $999 119 17.0% $2718
$1,000 to $1,499 29 4.0% $3843

Protective device discount in Checotah Up to :  $56

Claims-free discount in Checotah Up to :  $74