Edmond, OK Home Insurance - Analysis On Quotes, Rates & Agents

Edmond, OK Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Edmond, OK is $1566 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Edmond, OK.

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Average Home Insurance Premium in Edmond, OK

National Average Premium State Average Premium Edmond Average Premium
$1,438 $1,489 $1,566

Top Home Insurance Companies in Edmond, OK | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Edmond, OK

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
State Farm $1,723 $2,067 $2,687 $3,708
Great Northern $3,853 $4,624 $6,011 $8,295
Farmers $2,490 $2,987 $3,884 $5,360
Oklahoma Farmers Union $3,077 $3,692 $4,799 $6,623

Edmond, OK Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 667.22
$150,000 To $174,999 964.07
$175,000 To $199,999 1,227.3
$200,000 To $249,999 1,559.2
$250,000 To $299,999 2,148.7
$300,000 To $399,999 2,815.68
$400,000 To $499,999 3,611.42
$500,000 To $749,999 4,622.62
$750,000 To $999,999 5,344.9
$1000,000 To $1499,999 5,886.61
$1500,000 To $2000,000 6,319.99

Visual Guide for Edmond, OK Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Edmond, OK | Back to Top

Home Insurance Company Near Edmond, OK Homeowners Insurance Agency Near Edmond, OK Address
Liberty Mutual Independent Glenn Harris & Assoc Inc 13800 QUAIL POINTE DRIVE, OKLAHOMA CITY, OK, 73134
Travelers J Charles Insurance Llc 1726 N Green Ave 1726 N Green Ave, Purcell, OK, 73080
Farmers Jaree Spurlock 201 W Main St Ste 2, Tuttle, OK, 73089
Allstate Jim Shortridge 7604 N Western Ave, Oklahoma City, OK, 73116
Liberty Mutual Independent Ledbetter Ins Agcy 1000 NW GRAND BLVD STE 110, OKLAHOMA CITY, OK, 73118

List of Edmond, OK Home Insurance Agents by Companies

Edmond, OK Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Edmond, OK who have no previous history of claims filed are eligible for a discount of $203.58. Homeowners in Edmond, OK with one claim have to pay an additional home insurance rate of $110, while homeowners with 2 claims have to pay an additional $188 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -204 1,362
One Claim +110 1,676
Two Claim +188 1,754

Edmond, OK Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
73034 230,400 1,472
73013 185,000 1,472
73003 147,900 1,503

Factors Affecting Home Insurance Premiums in Edmond, OK

The average home insurance premium in Edmond, OK is $1566. There are various factors in Edmond, OK that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Edmond, OK Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 693
3 Bedroom 1,906
4 Bedroom 1,993
5 Bedroom 3,898

Edmond, OK Home Insurance Premiums for Different Deductibles | Back to Top

Edmond, OK Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Edmond, OK homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,547
$1000 Deductible 1,400
$1500 Deductible 1,318
$2000 Deductible 1,196
$2500 Deductible 1,124

Edmond, OK Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Edmond, OK pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,206
Year 30 Old 1,589
Year 40 Old 1,607
Year 50 Old 1,626
Above Year 50 1,641

Edmond, OK Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 188 1,378
Masonry 78 1,488
Brick 78 1,488
Superior 157 1,409
Hail Resistant Roof 31 1,535

Top Saving Tips on Edmond, OK Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Edmond, OK homes built with sturdy materials earn discounts on homeowners insurance. Edmond, OK homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Edmond, OK senior citizens. Edmond, OK homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Edmond, OK homeowners can avail to increase their savings.

Edmond, OK Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 235 1,331
Retiree Discount (Senior Citizen Discount) 219 1,785
Newly Constructed Home 360 1,206

Edmond, OK Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 172 1,394
Fire Extinguishers 125 1,441
Smoke Detectors 204 1,362
Sprinkler System 141 1,425
Fire Alarm 141 1,425
Burglar Alarm 141 1,425
Lightning Protection 31 1,535

Latest Home Insurance Reviews

I would recommend Nationwide Insurance due to their notoriety in the industry and reliability of service. Other companies may be comparable.
State Farm
My premium and deductible was both lower than other companies. we went through our realtor who recommended a broker to us, who got us our policy.
Amica Mutual Insurance
I would definitely recommend Amica to others.The friendly customer service experience alone would put anyone who is reticent about buying insurance at ease, and their pricing is extremely competitive.
the premium for my house is very reasonable. The customer service is quite good. First of all the customer service is local agent. They are quite friendly, knowledgeable and helpful.
I would recommend this insurance company to my friends and family because our service has been fantastic and the prices are very competitive compared to the other options on the market.
We are completely satisfied with the premium as the cost is not that high and works for our family.
I've had no conflicts nor bad impressions with Progressive, which is definitely not always the case with other insurance companies. I would recommend.
Farmer's Insurance
I would recommend my insurance to people who feel very confident they won't need to file a claim, either because they are certain of the safety of their home or ability to cover the cost of any damage to it, or because they don't expect to be in that home for long enough to need good coverage.
I would recommend because it is the simplest option, at least for me, with reliable coverage from a reputable nationwide brand.
The offerings have all been pretty good. I actually signed up for car insurance and for ring insurance as well. Seems like there should be better package deals on everything but it’s easier to deal with one company.
Whenever I needed to call them with any questions Geico didn't seem to be much help or know too much about their policies.
I called me Allstate insurance to ask if i had fire insurance and they said not but they would be more than happy to help me.
my home insurance policy is close in price to other insurance company's, the difference is customer support and overall friendliness.
The premium is slightly lower then most companies and the deductible is about the same. That being said their customer service is above and beyond that of other companies so it is a better value.
Farm Bureau
I can't really say how they compare to other companies, but so far we have had no complaints on the amounts we pay.
The premium and deductible are both reasonable and negotiable. There is a manner in which Allstate sends questionnaires to their potential consumers and this is very convenient. The policies are fair.
They have pretty reasonable rates on their policies not too expensive very affordable they have different rates to meet your needs.
State Farm
I hate how they think they are smarter than me and use big words to make me feel belittled and small.
State Farm
The insurance company is pretty great because it caters to my needs and tries to help me out in the best possible way.
Liberty Mutual
I like the simplicity of the website, however, it's too simple. I want a little bit, just a little bit more information. I'm not too sure what I'm looking for either, but I just feel like something is missing.
The Hartford
They contact me monthly by email to remind me of my premiums and ask if everything is ok. I like the reminder and am glad they reach out electronically.
I wish their website design would be more user-friendly. Some of the pages are not intuitive
The website for Geico is very easy to navigate and find vital information that is needed during an accident. Additionally, they have the live online chat which makes it easy to answer easy questions.
Farm Bureau
The rates! There should be no reason for rates to increase year after year when we do not have any claims. Especially at our residence. After 15 years, not one household claim, but rates continue to rise.
i would recommend allstate to others due to the ease of working with customer service. They also as I said have good pricing
Farmer's Insurance
Farmers Insurance is a customer friendly service group. They are always attentive to my questions and prompt with a response to my questions and/or concerns.
State Farm
If you can find a better company with decent coverage and lower premiums go for it. I went with this company because they cover log homes which is rare at a decent price.