Tulsa ,OK Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Tulsa, OK homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Tulsa, OK is $2647. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Tulsa, OK. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tulsa, OK.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $1,059 |
| $200,000 | $1,800 |
| $300,000 | $2,223 |
| $400,000 | $3,388 |
| $500,000 | $4,262 |
Home insurance costs in Tulsa can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 074129 | $3,377 |
| 74112 | $3,389 |
| 74146 | $3,357 |
| 74116 | $3,339 |
| 74108 | $3,346 |
| 74128 | $3,316 |
| 74107 | $3,339 |
| 74127 | $3,326 |
| 74106 | $3,282 |
| 74115 | $3,257 |
| 74110 | $3,250 |
| 74126 | $3,242 |
| 74130 | $3,259 |
| 74137 | $3,855 |
| 74120 | $3,828 |
| 74136 | $3,676 |
| 74133 | $3,586 |
| 74132 | $3,628 |
| 74105 | $3,720 |
| 74135 | $3,542 |
| 74119 | $3,542 |
| 74131 | $3,489 |
| 74114 | $3,632 |
| 74104 | $3,515 |
| 74145 | $3,411 |
| 74134 | $3,481 |
| 74117 | $3,403 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Tulsa, OK, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,714 |
| $1000 Deductible | $2,427 |
| $1500 Deductible | $2,290 |
| $2500 Deductible | $2,065 |
| $5000 Deductible | $1,747 |
| Home Insurance Company Near Tulsa, OK | Homeowners Insurance Agency Near Tulsa, OK | Address |
|---|---|---|
| NA | Bancfirst Insurance Services | 5591 S Lewis Ave, Tulsa, OK, 74105 |
| Farmers | Keith Ewing | 10159 E 11th St Ste 420, Tulsa, OK, 74128 |
| State Farm | Ken Shoemaker | 10115 S Sheridan Rd Ste D, Tulsa, OK, 74133-6765 |
| Allstate | Nick Henderson | 624 S Aspen Ave, Broken Arrow, OK, 74012 |
| Travelers | Wilcox & Mcgrath Ins | 5591 S Lewis, Tulsa, OK, 74105 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Tulsa County, Oklahoma | $222 | $296 | $444 |
| Oakhurst CDP, Oklahoma | $212 | $282 | $423 |
| Turley CDP, Oklahoma | $209 | $278 | $417 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tulsa, OK | 9.9% | 29.5% |
| Tulsa County | 9.87% | 29.72% |
| Oakhurst | 12.72% | 41.52% |
| Turley | 12.66% | 43.45% |
| Tulsa Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 2,419 | 2.0% | $367 |
| $200 to $299 | 2,361 | 2.0% | $817 |
| $300 to $499 | 9,108 | 10.0% | $1267 |
| $500 to $749 | 31,353 | 36.0% | $1942 |
| $750 to $999 | 22,211 | 25.0% | $2692 |
| $1,000 to $1,499 | 14,763 | 17.0% | $3817 |
| $1,500 or more | 3,268 | 3.0% | $5467 |
| Streets in Tulsa Area | Homeowners Insurance Cost |
|---|---|
| E Jacksonville St, E 163rd Pl, S 101st Ave E, S 3rd Ave, S 147th East Ave, W Waco St, Silver Oak Pl, S Trenton Ct, E 29th St N, E 34th St S | $1,483 |
| W Birmingham Pl, N 8th Pl, 57th St S, E 3rd Ave, E 122nd Pl, E 36th Ct, W Los Angeles Cir, E 74th Ct, W Indianapolis St, S 165th West Ave | $1,512 |
| W Freeport Cir, E 63rd Ct, E 117th St S, N 126th East Ave, N 101st East Ave, S 177th W Ave, N 70th East Ave, E 61st St N, S Newhaven Ave, N Gilcrease Museum Rd | $1,414 |
| N 27th St, W el Paso St S, Turnberry Dr, S 108th E Pl, Maplewood, N 109th Ave E, Okmulgee Expy, W Plymouth Pl, W Easton St, W 34th St S | $1,500 |
| S 138th East Ave, E 61st Ct N, N 66th E Ave, E Hartford St, W Delmar St, S Union Pl, N Walnut St, S 56th W Ave, W 68th Pl S, N 123rd East Ave | $1,387 |
| E 73rd St N, N Butternut Pl E, N 100th Ave E, S Sandusky, N 6th Pl, S Newhaven Ave, W Oak St, W Los Angeles Pl, 131st E Ave, W 34th St S | $1,504 |
| N Hemlock Ave, E Broken Arrow Expy, E Laredo Pl, S Walnut Creek Pl, W Roanoke Ct, S Laurel St, W Oakridge St, Redbud Dr, N 43rd East Ave, E Quinton St | $1,485 |
| E 43rd St N, S 186th E Ave, E 102nd Cir, W 20nd Pl, S Jamestown Pl, E 139th St S, N 75th East Ave, S 148th East Ave, S 162nd E Ave, N Florence Ave | $1,569 |
| N Toledo Ave, E 78th Pl S, E 81st Pl, N 70 E Ave, 112th St S, S 16th St E, Valley Dr, W Concord Cir, W Albuquerque St, W 61st Pl S | $1,517 |
| S Quincy Pl, S 74th West Ct, E 75th St N, N 130th E Ave, E Woodrow Pl N, W Hartford St, E 33 St, W Delmar St, N 140th E Ave, 140th Ct N | $1,544 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tulsa | $221 to $224 |
| Tulsa County | $222 |
| Oakhurst | $211 |
| Turley | $208 |
| Home value ($) | Construction type | Company | premium ($) |
|---|---|---|---|
| 70,000 to 100000 | FRAME | American National Property & Casualty Co. | 2,101 |
| 150,000 to 200000 | Masonry | Allstate Prop & Cas Ins Co | 3,663 |
| 150,000 to 200000 | Masonry | Allstate Prop & Cas Ins Co | 3,707 |
| 100,000 to 150000 | Frame | Oklahoma Farm Bureau Mutual Insurance Co. | 2,569 |
| 70,000 to 100000 | Masonry | Oklahoma Farm Bureau Mutual Insurance Co. | 1,848 |
| 100,000 to 150000 | Frame | Property & Casualty Ins. Co. Of Hartford | 3,786 |
| 70,000 to 100000 | Frame | Property & Casualty Ins. Co. Of Hartford | 2,655 |
| 100,000 to 150000 | Frame | Shelter Mutual Insurance Co. | 2,806 |
| 100,000 to 150000 | Frame | Usaa Casualty Insurance Co. | 1,850 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $9,600 |
| Yearly Tulsa Homeowner Insurance Premium Example | $4,300 | $2,800 |
| Out of Pocket Expense During Claim | $600 | $9,600 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $30,700 | $29,200 |
| Net Savings to Tulsa Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Tulsa, OK Home Replacement Value MORE than Home Value | Tulsa, OK Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $97,000 | $62,500 |
| Insurance Premium based on Replacement Value | $4,125 | $2,650 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $12,000 | Risk Exposure from Under Insuring Coverage is $22,500 |
| Premium Impact | Insurance cheaper by $950/year | Insurance costlier by $525/year |
| Insurance Company | Allstate | Chubb Group of Insurance | Farmers Insurance |
| Monthly Premium | 1071 | 320 | 469 |
| Year Built | 1964 | 1996 | 2010 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $350000-$400000 | $125000-$150000 | $125000-$150000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500 Deductible |