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Best Homeowners Insurance in Tulsa, OK

June 27, 2019, 2:32 p.m.

Because of tornadoes and storms, Oklahoma’s insurance premiums are higher than the national average. We researched the best homeowners insurance in Tulsa based on companies’ competitive rates and excellent customer service to help find an insurer that works for you.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Newson6 may receive compensation from our partners. Learn more.

How we chose the best

Our partners at ConsumerAffairs thoroughly researched insurance agents, companies and brokers to see where you can get the best home insurance information.

41 Hours researched
133 Reviews analyzed
28 Companies evaluated
10 Companies selected
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#1
#1 MOST POPULAR
Progressive

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(918) 744-5145
#1 MOST POPULAR
Progressive
Progressive
Features
  • HomeQuote Explorer tool
  • Bundle home & auto
  • Cover repair & rebuilding
Read More
Location
2646 E 15th St.
Tulsa, OK 74104
(918) 744-5145
#2
GEICO
GEICO
Features
  • Online quote
  • Multi-policy discount
  • Home security discounts
Read More
Location
8353 S. Memorial Dr.
Tulsa, OK 74133
(918) 384-0707
#3
State Farm
State Farm
Features
  • Home security discounts
  • Farm & ranch coverage
  • Condo unit insurance
Read More
Location
6770 S Sheridan Rd., Ste. B
Tulsa, OK 74133
(918) 481-7283
Allstate Insurance Agent: Jimmy Wills
Allstate Insurance Agent: Jimmy Wills
Features
  • 30+ years of service
  • Offers financial services
  • Online quote
Location
6111 S. Mingo Rd., Ste. H
Tulsa, OK 74133
(918) 250-6770
Tulsa Insurance Guy
Tulsa Insurance Guy
Features
  • Dave Ramsey ELP
  • Independent agency
  • Locally owned
Location
427 S. Boston Ave., Ste. 518
Tulsa, OK 74103
(918) 574-6262
All American Insurance Agency
All American Insurance Agency
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • allamericaninsurance.com
Location
6145 E. 21st St.
Tulsa, OK 74114
(918) 832-8823
EZ Insurance Agency
EZ Insurance Agency
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • ezinsok.com/homeowners
Location
1207 S. Memorial Dr.
Tulsa, OK 74112
(918) 794-3220
Shelter Insurance Agent: Marco Shoals
Shelter Insurance Agent: Marco Shoals
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/MSHOALS
Location
3226 E. 15th St.
Tulsa, OK 74104
(918) 481-5500
State Farm Insurance Agent: Jim Vanderveen
State Farm Insurance Agent: Jim Vanderveen
Features
  • M-F: 8am - 5pm
  • Sat by appointment only
  • Closed Sun
  • jimvanderveen.com
Location
3015 E. 15th St.
Tulsa, OK 74104
(918) 712-5979
A-Affordable Insurance
A-Affordable Insurance
Features
  • M-F: 9am - 5:15pm
  • Sat: 9:30am - 1:15pm
  • Closed Sun
  • affordableautopolicy.com
Location
1635 S. Harvard Ave.
Tulsa, OK 74112
(918) 749-9500

How to choose homeowners insurance in Tulsa

Tulsa skyline

In Tulsa, annual home insurance policies are around $1,400 more than policies nationwide. Higher rates are due to tornadoes, strong wind storms and criminal property damage. Rates in the 71st Street Corridor (74136) are cheaper than rates in Southern Hills (71118) because the homes are newer. Some neighborhoods in Tulsa include homes built in the late 1800s, which also increases premiums.

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Hoover/Lortondale (74114) $2,281 $3,860 $5,315
Southern Hills (71118) $1,957 $4,236 $6,681
Cherry Street/Maple Ridge (74120) $2,363 $3,987 $5,503
Downtown (74103) $2,383 $4,017 $5,532
Kendall-Whittier (74104) $2,300 $3,885 $5,348
Sungate (74145) $2,347 $3,959 $5,433
71st Street Corridor (74136) $2,328 $3,933 $5,401
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Though homeowners insurance is not required in Tulsa, mortgage companies and lenders require policies on any home purchased with a loan to help protect their company in the case of loss. Even if insurance isn’t required, it’s worth purchasing a policy to protect your home, one of the largest investments you’ll make.

Before buying a policy, make a list of questions to ask your agent to ensure you are getting coverage that fits your needs and protects your investment. Consider asking for the claims history for your home, the benefits of choosing replacement cost or actual cash value in the event of loss, what additional or extended coverage is available (including policy exclusions), how much liability protection to get and what savings you qualify for.

Homeowners in Tulsa can receive discounts for installing the following:

  • Hail-resistant roofing
  • Electronic burglar alarms and deadbolt locks
  • Smoke alarms and sprinkler systems
  • Updated heating, electrical and plumbing infrastructure

Additionally, other discount options, such as for your credit score and claims-free history, are available. Be sure to check with your agent about their company discount policies.

Homeowners coverage does not include flooding, earthquakes, backup water or sewage or swimming pool injuries. Flood coverage can be purchased separately through the National Flood Insurance Program (NFIP). Due to the location of the Arkansas River within the city, many areas in Tulsa can be prone to flooding.

To avoid liability from flooding or injuries in or around your backyard pool, be sure to add enough liability coverage to your policy.

Progressive

Progressive

Progressive offers personal liability protection, coverage of temporary living expenses on covered loss and extras like personal injury or water back-up. Homeowners can save by bundling their home and auto policies; extra discounts can be earned for homes with burglar alarms, smoke detectors and automatic sprinklers.

GEICO

GEICO

With discounts available for having smoke alarms, fire extinguishers and home security systems in your household, GEICO also provides policies that cover personal belongings, too. (Even the dishes.) Use the GEICO mobile app to pay your bill, update your policy and chat with a mobile virtual assistant.

State Farm

State Farm

Select policies with State Farm can cover everything from fires and frozen pipes to thefts and vandalism. Discounted premiums are available for residents who use approved impact-resistant roofing products or for those who bundle their home and auto policies. Additionally, State Farm offers a Triangle of Protection, an insurance policy for home, life and disability.

Allstate Insurance Agent: Jimmy Wills

Allstate Insurance Agent: Jimmy Wills

In business for over 30 years, Jimmy Willis manages his agency with a team of seven service-oriented team members. Allstate provides discounts for setting up automatic payments, utilizing home security systems, residents with newly-constructed houses and customers aged 55+ who are retired.

Tulsa Insurance Guy

Tulsa Insurance Guy

Owned by a husband and wife team, Tulsa Insurance Guy operates in downtown Tulsa and boasts a five-star rating online. Customers love the tremendous savings and fast, customer-focused service. The company offers a discount on homes with burglar alarms and on homes built within the last 10 years, plus additional savings are available by bundling home and auto policies.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.