Heavener Insurance Rates:

Heavener, OK homeowners insurance is about $1,202 to $1,632, about $100-$136/month. Our thorough guide indicates shoppers can save as much as $566 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Heavener, OK Homeowners Insurance By Home Value

Heavener, OK Home Value Total Homes % of Total Average Heavener, OK Homeowners Insurance
Less than $50,000 606 31.0% $481
$50,000 to $59,999 216 11.0% $1020
$60,000 to $69,999 122 6.0% $1275
$70,000 to $79,999 210 10.0% $1473
$80,000 to $89,999 166 8.0% $1657
$90,000 to $99,999 33 1.0% $1856
$100,000 to $124,999 171 8.0% $2153
$125,000 to $149,999 93 4.0% $2692
$150,000 to $174,999 88 4.0% $3188
$175,000 to $199,999 103 5.0% $3684
$200,000 to $249,999 80 4.0% $4421
$250,000 to $299,999 46 2.0% $5412

Top Home Insurance Agents Near Heavener, OK

Home Insurance Company Near Heavener, OK Homeowners Insurance Agency Near Heavener, OK Address
NA Arthur J. Gallagher & Co. 5401 Rogers Ave Ste 202 Fort Smith, Fort Smith, AR, 72903
Travelers Arkansas Valley Ins Agency 288 NORTH BROADWAY, BOONEVILLE, AR, 72927
Travelers Charles E Osborn Agency Inc #8 TOWN SQUARE, GREENWOOD, AR, 72936
Travelers Mena Insurance Agency Inc 206 HIGHWAY 71 NORTH, MENA, AR, 71953
Farmers Sandy Gilkey 8405 S Zero St Ste B, Fort Smith, AR, 72903

Cost Of Homeowners Insurance By Street Near Heavener, OK

Streets in Heavener Area Homeowners Insurance Cost
7th St, Kelleher Ln, Paluso Ln, 514th St, Co Rd 176, W 2nd St, Cherry St, Co Rd D4804, Co Rd D4737, Railroad Ave$1,420
Granny Bear Rd, Drury Ln, Co Rd D1486, W Ave B, Gardenhire Rd, Co Rd E1452, Independance Rd, Co Rd 1190, White Rd, Ollar Ln$1,421
W Ave D, Ave B, Coaldale Ln, Old Pike Rd, Round Mountain Ln, W Ave G, Rabourn Ln, Chestnut, Brewer, Fish Hatchery Rd$1,405
S Railroad St, Co Rd D4780, Creek Ave, Co Rd N4680, Co Rd D4583, Bald Knob Ln, Diamondbark Ln, Earls Flat Rd, W Ave A, Co Rd D4700$1,417
Co Rd E1550, Co Rd 1535, Tiffee Rd, Co Rd D4738, Co Rd E1410, Co Rd E1500, Co Rd N4730, W Ave I, E 3rd St, Johnston Hill Rd$1,421

Heavener, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Heavener$211 to $213
Le Flore County$213
Howe$211
Wister$214

Heavener, 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
Le Flore County, Oklahoma $178 $237 $355
Howe town, Oklahoma $177 $235 $353
Wister CCD, Le Flore County, Oklahoma $179 $239 $358

Heavener, 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
Heavener, OK13.1%39.5%
Le Flore County13.58%39.87%
Howe12.23%36.12%
Wister11.98%38.37%

Heavener Renters Insurance as a Percentage of Rent

Heavener Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 9 1.0% $393
$200 to $299 52 6.0% $843
$300 to $499 193 24.0% $1293
$500 to $749 385 48.0% $1968
$750 to $999 122 15.0% $2718
$1,000 to $1,499 31 3.0% $3843

Heavener, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Heavener Homeowner Insurance Premium Example $8,100$7,600
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $66,500$65,500
Net Savings to Heavener Home Owner from High Deductible Plan $1,000

Heavener, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Heavener, OK Home Replacement Value MORE than Home Value Heavener, OK Home Replacement Value LESS than Home Value
Replacement Value $95,500 $66,500
Insurance Premium based on Replacement Value $3,675 $2,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $8,000 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $800/year Insurance costlier by $300/year

Example Heavener Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceLiberty Mutual
Monthly Premium 260373264
Year Built 194420141997
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $75000-$100000$125000-$150000$75000-$100000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 120,000 Metal Roof 2,140 3 $500 Deductible 850 2 Wood siding yes
1943 100,000 Composition Roof 1,930 3 $2500-$5000 Deductible 1310 5 Fiber-Cement Siding No
2004 180,000 Metal Roof 2,960 4 $1000-$2500 Deductible 2770 5 Vinyl siding No
1967 170,000 Composition Roof 3,000 4 $500- $1000 Deductible 2980 6 Brick siding No
1971 135,000 Slate Shingles Roof 2,190 3 $500- $1000 Deductible 3730 10 Fiber-Cement Siding yes
2005 100,000 Asphalt Shingles Roof 1,800 3 $500- $1000 Deductible 1380 4 Stone Siding No
1949 70,000 Wood Shake Roof 1,240 3 $1000-$2500 Deductible 300 2 Vinyl siding yes
1967 105,000 Shingles Roof 2,050 3 $500 Deductible 2270 5 Vinyl siding yes
2011 155,000 Slate Shingles Roof 3,230 4 $5000 to $10,000 Deductible 250 1 Vinyl siding yes
1940 170,000 Composition Roof 2,540 4 $5000 to $10,000 Deductible 2810 8 Brick siding yes
1976 110,000 Wood Shake Roof 1,850 4 $2500-$5000 Deductible 2210 9 Wood siding yes
1994 185,000 Shingles Roof 3,210 4 $2500-$5000 Deductible 2000 5 Fiber-Cement Siding No
1975 125,000 Tile Roof 2,470 4 $500 Deductible 1510 4 Stucco siding yes
2005 140,000 Shingles Roof 2,060 3 $2500-$5000 Deductible 2430 6 Fiber-Cement Siding No
1942 70,000 Tile Roof 1,400 3 $500 Deductible 330 2 Wood siding No
1966 75,000 Composition Roof 1,560 3 $500- $1000 Deductible 3490 12 Stone Siding No
1989 105,000 Shingles Roof 1,710 3 $1000-$2500 Deductible 390 2 Brick siding yes
2009 205,000 Wood Shake Roof 2,950 4 $2500-$5000 Deductible 990 2 Fiber-Cement Siding No
1962 210,000 Metal Roof 3,080 4 $1000-$2500 Deductible 5190 9 Fiber-Cement Siding No
1984 165,000 Asphalt Shingles Roof 2,390 3 $1000-$2500 Deductible 850 2 Brick siding No
1978 90,000 Shingles Roof 1,490 3 $1000-$2500 Deductible 2860 10 Stucco siding yes
2005 120,000 Membrane Roof 2,070 3 $1000-$2500 Deductible 2320 7 Wood siding No
1975 90,000 Shingles Roof 1,940 3 $500 Deductible 1930 7 Stone Siding No
2006 175,000 Composition Roof 2,930 4 $5000 to $10,000 Deductible 760 3 Stone Siding yes
1988 140,000 Metal Roof 2,170 3 $1000-$2500 Deductible 1810 4 Brick siding yes
1966 95,000 Metal Roof 1,780 4 $1000-$2500 Deductible 400 2 Brick siding No
2012 95,000 Membrane Roof 1,620 3 $2500-$5000 Deductible 2180 10 Stucco siding yes
1970 110,000 Slate Shingles Roof 1,700 3 $500 Deductible 1030 3 Fiber-Cement Siding No
2004 100,000 Shingles Roof 1,650 3 $2500-$5000 Deductible 520 2 Vinyl siding yes
2012 145,000 Slate Shingles Roof 2,140 3 $1000-$2500 Deductible 2830 10 Stucco siding No