Stillwater, OK Home Insurance - Analysis On Quotes, Rates & Agents
Stillwater Insurance Rates:
Stillwater, OK homeowners insurance is nearly $1,261 to $1,713, about $105-$142/month. Our all inclusive guide reveals consumers can save as much as $594 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Farm BureauQuick payout- i turned loss forms in and receives a check for losses that same week within a couple of days.
State FarmI would generally recommend State Farm. I have been satisfied with the level of interaction with my insurance company.
AllstateAllstate has some of the best customer service across all platforms of insurance. They are known for this, and I've experienced it first hand that they go out of they're way to give superior customer service. I would give a 5 out of 5.
AllstateI would recommend them because they are easy-going, fair and they offer more than my neighbor's insurance company. I am pretty satisfied with their services.
Brown InsuranceI also like how convenient the place is from where i live. it's about a 25-minute drive and it's not bad.
AllstateIt is a big company with the strong financial asset to back my claim if necessary. i don't have to worry that they can go bankrupt once a disaster struck.
AllstateIt's very user-friendly, I have information on the spot, easy view, and easy to use. If I have any issues, I can always come into the office and the representative will help me. They are truly excellent.
Farm BureauThe last time we had an auto claim it was very difficult to get a response back. It took several weeks to get the issue resolved.
TravelersThey are actually pretty good. Don't have to wait that long to talk to someone, and they seem generally knowledgeable.
GeicoI Like customer service communication is good. They are easy to talk to and seem kind, documents get sent in a timely manner
AllstateThe premium and really low but the deductible is a little higher than a few competitors. I don't mind the standard deductible. I never had to use it.
Stillwater, OK Homeowners Insurance By Home Value
| Stillwater, OK Home Value | Total Homes | % of Total | Average Stillwater, OK Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,394 | 12.0% | $252 |
| $50,000 to $59,999 | 130 | 1.0% | $550 |
| $60,000 to $69,999 | 284 | 2.0% | $684 |
| $70,000 to $79,999 | 443 | 3.0% | $788 |
| $80,000 to $89,999 | 600 | 5.0% | $892 |
| $90,000 to $99,999 | 520 | 4.0% | $996 |
| $100,000 to $124,999 | 1,628 | 14.0% | $1159 |
| $125,000 to $149,999 | 1,388 | 12.0% | $1457 |
| $150,000 to $174,999 | 1,288 | 11.0% | $1710 |
| $175,000 to $199,999 | 1,054 | 9.0% | $1977 |
| $200,000 to $249,999 | 1,202 | 10.0% | $2379 |
| $250,000 to $299,999 | 785 | 6.0% | $2914 |
| $300,000 to $399,999 | 512 | 4.0% | $3702 |
Top Home Insurance Agents Near Stillwater, OK
| Home Insurance Company Near Stillwater, OK | Homeowners Insurance Agency Near Stillwater, OK | Address |
|---|---|---|
| NA | Bill Frosch Insurance Agency Inc | 1000 W Wilshire Blvd Ste 303 Oklahoma City, Oklahoma City, OK, 73116 |
| NA | Tedford & Associates Llc | 907 Manvel, Chandler, OK, 74834 |
| Farmers | Casey Martin | 505 E Highway 33 Ste 100, Perkins, OK, 74059 |
| Farmers | Janna Lookabaugh | 6215 N Meridian Ave, Oklahoma City, OK, 73112 |
| State Farm | Jeff Jantz | 3740 NW 166th St, Edmond, OK, 73012-9017 |
Stillwater, OK Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Stillwater, OK
| Streets in Stillwater Area | Homeowners Insurance Cost |
|---|---|
| Fountain View Ct, Britton Dr, Mark Cir, E Sunrise Ave, W 14th Ave, N3300 Rd, S Kelly St, E Miller Ave, Rattlesnake Dr, W Scott Ave | $1,547 |
| E Macy Ln, W Moore Ave, E Greenvale Ct, Pawnee Ave, E Highview Ave, S Fox Ledge Dr, Rock Ct, S Shumard Dr, E0570 Rd, N3370 Rd | $1,470 |
| N Thomas Ave, E Topaz Ave, Marcus Dr, Susan Pl, N Grandview St, Cedar Hill Rd, E 46th St, E Rogers Dr, W Cambridge Ct, E Will Rogers Dr | $1,507 |
| West Virginia Ave, Harvest Ln, Andy Kay Ln, W 29th Ave, Post Oak Dr, S Vista Ln, S Wild Turkey Pass Dr, W 21st Ave, S Devon St, E 5th Ave | $1,554 |
| E0715 Rd, Noble Rd, W 19th Ave, Oakdale Dr, N Park Dr, N Hester St, Ja Linda Lou Ct, Dalton Ave, Ericka Ave, Lyndsey Ct | $1,469 |
| N Rogers Dr, Alcott Dr, Charring Cross, Country Club Rd, W Husband Ct, N Western Rd, S Fern St, S Pioneer Trl, N3460 Rd, N3390 Rd | $1,466 |
| E 18th Pl, Helena Hghts, N Diamond Valley, S Marshall St, Aloysius Cir, S Springfield St, S Highland Ct, Furman Ln, Janes Ct, S Post Oak Ct | $1,449 |
| S Bluestone St, Pinewood Cir, S Rose Rd, Shamrock Ln N, W 9th Ct, W 8th Ave, E 7th St, Lynn Combs Cr, S Hester St, W 23rd Ave | $1,537 |
| Co Rd 210, Rowdy Acres, W Hall of Fame Ave, S Dusty Ln, Willow Park Ln, N Benjamin St, W Eskridge Pl, E 13th Ave, S Willis St, S Hartford St | $1,445 |
| 3rd Ave, E Maple Ave, S Blakely St, Cowboy Ct, N Glenwood Dr, S Silverdale Dr, Kern St, Dakota Dr, Murphy Ln, Headwaters Ranch Rd | $1,469 |
Stillwater, OK Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Stillwater | $222 to $225 |
| Payne County | $220 |
| Perkins | $215 |
| Ripley | $207 |
Stillwater, 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 |
|---|---|---|---|
| Payne County, Oklahoma | $184 | $245 | $367 |
| Perkins city, Oklahoma | $180 | $239 | $359 |
| Ripley town, Oklahoma | $173 | $231 | $346 |
Stillwater, OK Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Stillwater, OK | 10.1% | 29.7% |
| Payne County | 10.66% | 30.8% |
| Perkins | 11.73% | 36.53% |
| Ripley | 15.89% | 48.13% |
Stillwater Renters Insurance as a Percentage of Rent
| Stillwater Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 438 | 3.0% | $814 |
| $300 to $499 | 2,065 | 16.0% | $1264 |
| $500 to $749 | 4,895 | 39.0% | $1939 |
| $750 to $999 | 2,293 | 18.0% | $2689 |
| $1,000 to $1,499 | 2,121 | 17.0% | $3814 |
| $1,500 or more | 410 | 3.0% | $5464 |
Stillwater, OK Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $8,500 |
| Yearly Stillwater Homeowner Insurance Premium Example | $9,700 | $8,100 |
| Out of Pocket Expense During Claim | $500 | $8,500 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $58,700 | $57,100 |
| Net Savings to Stillwater Home Owner from High Deductible Plan | $1,600 | |
Stillwater, OK Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Stillwater, OK Home Replacement Value MORE than Home Value | Stillwater, OK Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $127,000 | $88,000 |
| Insurance Premium based on Replacement Value | $4,775 | $3,325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $20,500 | Risk Exposure from Under Insuring Coverage is $18,500 |
| Premium Impact | Insurance cheaper by $675/year | Insurance costlier by $775/year |
Example Stillwater Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Allstate | Liberty Mutual | Amica Mutual Insurance Company |
| Monthly Premium | 343 | 595 | 612 |
| Year Built | 2007 | 1973 | 1984 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $200000-$250000 | $300000-$350000 |
| Deductible | $500 Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Stillwater, OK from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2010 | 105,000 | Metal Roof | 1,050 | 2 | $500 Deductible | 2480 | 9 | Stone Siding | yes |
| 1980 | 190,000 | Metal Roof | 2,280 | 4 | $5000 to $10,000 Deductible | 4400 | 9 | Stone Siding | yes |
| 1998 | 295,000 | Tile Roof | 2,960 | 4 | $2500-$5000 Deductible | 2140 | 3 | Brick siding | No |
| 1995 | 130,000 | Shingles Roof | 1,600 | 2 | $500 Deductible | 1480 | 4 | Stone Siding | No |
| 1999 | 240,000 | Membrane Roof | 2,630 | 4 | $2500-$5000 Deductible | 1930 | 4 | Brick siding | yes |
| 2011 | 235,000 | Asphalt Shingles Roof | 3,080 | 5 | $500 Deductible | 600 | 1 | Stone Siding | No |
| 2014 | 185,000 | Shingles Roof | 2,470 | 4 | $500- $1000 Deductible | 4420 | 12 | Brick siding | No |
| 1983 | 130,000 | Shingles Roof | 1,420 | 3 | $1000-$2500 Deductible | 630 | 2 | Brick siding | No |
| 1970 | 150,000 | Tile Roof | 1,800 | 4 | $500- $1000 Deductible | 3160 | 12 | Vinyl siding | No |
| 1973 | 110,000 | Slate Shingles Roof | 1,260 | 3 | $500 Deductible | 4620 | 12 | Fiber-Cement Siding | No |
| 1985 | 135,000 | Membrane Roof | 1,640 | 3 | $1000-$2500 Deductible | 4030 | 12 | Wood siding | yes |
| 1970 | 280,000 | Composition Roof | 3,200 | 4 | $500- $1000 Deductible | 6600 | 10 | Vinyl siding | No |
| 2001 | 90,000 | Tile Roof | 1,270 | 3 | $1000-$2500 Deductible | 950 | 3 | Brick siding | No |
| 1980 | 170,000 | Shingles Roof | 1,700 | 3 | $500- $1000 Deductible | 520 | 1 | Brick siding | yes |
| 2014 | 140,000 | Wood Shake Roof | 1,410 | 2 | $1000-$2500 Deductible | 2380 | 9 | Brick siding | yes |
| 2005 | 165,000 | Membrane Roof | 2,280 | 3 | $500- $1000 Deductible | 390 | 1 | Vinyl siding | yes |
| 2000 | 185,000 | Shingles Roof | 1,830 | 3 | $5000 to $10,000 Deductible | 450 | 1 | Wood siding | yes |
| 1994 | 155,000 | Slate Shingles Roof | 1,700 | 3 | $5000 to $10,000 Deductible | 2070 | 7 | Brick siding | No |
| 1992 | 85,000 | Composition Roof | 900 | 2 | $500 Deductible | 1660 | 8 | Vinyl siding | yes |
| 1986 | 350,000 | Slate Shingles Roof | 4,620 | 5 | $500 Deductible | 1720 | 2 | Fiber-Cement Siding | yes |
| 2012 | 230,000 | Membrane Roof | 2,960 | 4 | $5000 to $10,000 Deductible | 2360 | 6 | Fiber-Cement Siding | No |
| 1994 | 210,000 | Wood Shake Roof | 2,100 | 4 | $500 Deductible | 5590 | 9 | Stone Siding | No |
| 1983 | 380,000 | Slate Shingles Roof | 3,770 | 5 | $1000-$2500 Deductible | 3280 | 3 | Brick siding | No |
| 2006 | 195,000 | Wood Shake Roof | 2,200 | 4 | $2500-$5000 Deductible | 4660 | 9 | Stucco siding | No |
| 1974 | 95,000 | Composition Roof | 1,130 | 2 | $1000-$2500 Deductible | 950 | 4 | Brick siding | No |
| 1990 | 310,000 | Asphalt Shingles Roof | 3,450 | 5 | $2500-$5000 Deductible | 5160 | 9 | Stucco siding | yes |
| 2007 | 210,000 | Composition Roof | 2,410 | 5 | $5000 to $10,000 Deductible | 3760 | 9 | Stone Siding | yes |
| 2006 | 150,000 | Tile Roof | 1,740 | 2 | $500 Deductible | 2500 | 6 | Wood siding | yes |
| 2013 | 160,000 | Tile Roof | 1,660 | 2 | $500 Deductible | 4700 | 7 | Stucco siding | No |
| 1999 | 170,000 | Asphalt Shingles Roof | 1,840 | 3 | $500 Deductible | 2950 | 6 | Wood siding | No |
| 1983 | 90,000 | Wood Shake Roof | 1,180 | 2 | $500- $1000 Deductible | 2480 | 10 | Wood siding | No |
| 1984 | 400,000 | Asphalt Shingles Roof | 4,450 | 5 | $500- $1000 Deductible | 6660 | 7 | Stucco siding | yes |
| 1994 | 115,000 | Composition Roof | 1,360 | 3 | $500 Deductible | 1150 | 4 | Fiber-Cement Siding | No |
| 1988 | 110,000 | Metal Roof | 1,500 | 2 | $2500-$5000 Deductible | 2510 | 9 | Stucco siding | No |