Elk City Insurance Rates:

Elk City, OK homeowners insurance is roughly $1,225 to $1,697, about $102-$141/month. Our detailed analysis shows customers can save as much as $584 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Elk City, OK Homeowners Insurance By Home Value

Elk City, OK Home Value Total Homes % of Total Average Elk City, OK Homeowners Insurance
Less than $50,000 556 16.0% $306
$50,000 to $59,999 136 4.0% $657
$60,000 to $69,999 338 10.0% $817
$70,000 to $79,999 168 4.0% $949
$80,000 to $89,999 169 5.0% $1080
$90,000 to $99,999 193 5.0% $1197
$100,000 to $124,999 258 7.0% $1387
$125,000 to $149,999 331 9.0% $1737
$150,000 to $174,999 317 9.0% $2058
$175,000 to $199,999 339 10.0% $2379
$200,000 to $249,999 323 9.0% $2861
$250,000 to $299,999 135 4.0% $3489
$300,000 to $399,999 110 3.0% $4438

Top Home Insurance Agents Near Elk City, OK

Home Insurance Company Near Elk City, OK Homeowners Insurance Agency Near Elk City, OK Address
NA Ed Berrong Insurance Agency, Inc. 520 E Main St, Weatherford, OK, 73096
NA J Elmer Castle Agency 122 S Pennsylvania, Mangum, OK, 73554
Farmers Chad Chaplin 125 W Main St, Weatherford, OK, 73096
Allstate Magill Ins Agency 322 E Main PO Box 549, Weatherford, OK, 73096
Farmers Valerie Miller Lutcf 800 W Gary Blvd, Clinton, OK, 73601

Cost Of Homeowners Insurance By Street Near Elk City, OK

Streets in Elk City Area Homeowners Insurance Cost
Ellis Dr, Liberty Ln, Cripple Creek Ln, W 9th St, B K F, E Clanita Dr, E1136 Rd, E 11th St, S Franklin St, Bedford Dr$1,476
Banana Ln, Railroad St, RM G, Merritt Mobile Home Park, Maple St, Falcon Rd, Swales Blvd, Ramsey Pl, N 2000 Rd, S Lester St$1,424
N 1900 Rd, Eastern Ave, S Watkins Ave, Bk H, Bk G, Merritt Dr, W 2nd St, N2000 Rd, N Co Rd 1940, N1990$1,465
W 7th St, N Jackson Ave, E1080 Rd, N 1960, E 1150 Rd, S Boone Ave, E 1080, N Walker Ave, E Country Club Blvd, Mulberry Ln$1,473
E 1130 Rd, S Pioneer Rd, N Main St, 2nd St, Bluestem Ln, W State Hwy 66, S Falcon Rd, E B Ave, N Locust St, N 1974 Rd$1,511

Elk City, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elk City$216 to $222
Canute$211
Carter$214
Beckham County$215

Elk City, OK Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Canute town, Oklahoma $211 $281 $422
Carter CCD, Beckham County, Oklahoma $214 $285 $428
Beckham County, Oklahoma $215 $287 $431

Elk City, OK Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Elk City, OK11.0%37.7%
Canute18.04%50.32%
Carter12.79%27.46%
Beckham County11.89%37.45%

Elk City Renters Insurance as a Percentage of Rent

Elk City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 20 1.0% $375
$200 to $299 142 8.0% $825
$300 to $499 394 23.0% $1275
$500 to $749 527 31.0% $1950
$750 to $999 483 29.0% $2700
$1,000 to $1,499 72 4.0% $3825

Elk City, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$6,600
Yearly Elk City Homeowner Insurance Premium Example $8,800$7,800
Out of Pocket Expense During Claim$600$6,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $62,200$61,200
Net Savings to Elk City Home Owner from High Deductible Plan $1,000

Elk City, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elk City, OK Home Replacement Value MORE than Home Value Elk City, OK Home Replacement Value LESS than Home Value
Replacement Value $110,000 $86,000
Insurance Premium based on Replacement Value $3,550 $2,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $400/year

Example Elk City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmNationwide Insurance
Monthly Premium 368359947
Year Built 199219821940
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$125000-$150000$400000-$500000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Elk City, OK from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 320,000 Slate Shingles Roof 4,260 5 $500- $1000 Deductible 1440 2 Stone Siding No
1963 260,000 Membrane Roof 3,170 4 $1000-$2500 Deductible 640 1 Fiber-Cement Siding No
1998 315,000 Asphalt Shingles Roof 4,110 5 $500- $1000 Deductible 1510 2 Stucco siding No
1942 145,000 Metal Roof 1,570 3 $500- $1000 Deductible 810 2 Fiber-Cement Siding yes
1942 115,000 Slate Shingles Roof 1,630 3 $1000-$2500 Deductible 2450 10 Brick siding yes
1944 170,000 Membrane Roof 2,010 3 $2500-$5000 Deductible 3290 9 Stone Siding No
1990 180,000 Composition Roof 2,210 4 $2500-$5000 Deductible 2560 6 Fiber-Cement Siding yes
1944 140,000 Metal Roof 1,590 3 $2500-$5000 Deductible 2030 7 Vinyl siding yes
1984 190,000 Membrane Roof 2,320 3 $2500-$5000 Deductible 660 2 Stucco siding No
1987 265,000 Wood Shake Roof 4,060 5 $1000-$2500 Deductible 4760 8 Fiber-Cement Siding No
1968 180,000 Tile Roof 2,670 4 $500- $1000 Deductible 4720 12 Vinyl siding yes
1988 345,000 Wood Shake Roof 4,880 5 $500- $1000 Deductible 9130 9 Wood siding yes
1993 160,000 Composition Roof 1,750 4 $2500-$5000 Deductible 510 2 Stone Siding yes
1941 110,000 Slate Shingles Roof 1,400 3 $2500-$5000 Deductible 2070 8 Stucco siding No
1984 140,000 Tile Roof 1,620 4 $2500-$5000 Deductible 2290 7 Wood siding yes
1943 80,000 Wood Shake Roof 1,280 3 $1000-$2500 Deductible 2090 8 Fiber-Cement Siding yes
1943 155,000 Membrane Roof 2,100 3 $5000 to $10,000 Deductible 2090 7 Brick siding No
1998 275,000 Membrane Roof 3,070 5 $2500-$5000 Deductible 4550 9 Fiber-Cement Siding yes
1984 255,000 Shingles Roof 3,420 5 $1000-$2500 Deductible 6800 12 Stucco siding No
1945 370,000 Tile Roof 4,620 5 > $10,000 Deductible 4280 7 Vinyl siding No
1999 215,000 Asphalt Shingles Roof 2,440 5 > $10,000 Deductible 4490 10 Stone Siding No
1991 115,000 Composition Roof 1,390 3 $2500-$5000 Deductible 960 3 Stone Siding No
1946 140,000 Tile Roof 2,130 4 $1000-$2500 Deductible 280 1 Fiber-Cement Siding yes
1980 370,000 Composition Roof 4,090 5 > $10,000 Deductible 3620 8 Stucco siding yes
1940 190,000 Composition Roof 2,810 4 $500 Deductible 2560 4 Fiber-Cement Siding No
1982 155,000 Composition Roof 1,980 4 $500 Deductible 1490 4 Stucco siding No
1945 155,000 Shingles Roof 2,030 3 $500- $1000 Deductible 4240 12 Stucco siding No
1983 175,000 Composition Roof 2,260 3 $500- $1000 Deductible 6130 12 Stone Siding No
1999 225,000 Composition Roof 3,340 5 $500- $1000 Deductible 6880 8 Vinyl siding yes
1943 100,000 Wood Shake Roof 1,490 3 $500 Deductible 380 1 Fiber-Cement Siding No
1985 180,000 Membrane Roof 2,910 5 $500 Deductible 1480 2 Vinyl siding yes
1984 165,000 Asphalt Shingles Roof 2,610 5 $1000-$2500 Deductible 2470 6 Stucco siding yes
1990 200,000 Metal Roof 2,210 3 $500 Deductible 2270 4 Wood siding yes
1982 135,000 Membrane Roof 1,520 3 $2500-$5000 Deductible 3370 10 Wood siding yes