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.
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Our partners at ConsumerAffairs thoroughly researched insurance agents, companies and brokers to see where you can get the best home insurance information.
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Lemonade
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Allstate
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EverQuote
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Progressive
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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 |
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| 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 |
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:
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.
Lemonade |
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Lemonade offers homeowners insurance in Tulsa that covers your dwelling, other structures, personal property, liability, loss of use and medical payments to others. Customers can customize coverage according to their needs. You can apply for a policy, file a claim and update coverage easily online. The company automatically applies discounts to your policy and handles escrow payments with lenders. Getting a quote takes less than two minutes. |
Allstate |
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Allstate offers homeowners insurance nationwide, with standard coverages plus add-ons like scheduled personal property, water backup and yard and garden coverage. Local agents in Tulsa help you build a policy, find discounts and file claims. Optional features include Claim Rateguard, which protects your premium from rising when you file a claim, and Deductible Rewards, which lowers your deductible by $100 each year you are claim-free. Allstate has many locations in Tulsa, including at 2727 E. 21st St., Ste. 307, Tulsa, OK 74114. |
Progressive |
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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 |
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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. |
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State Farm |
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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. |
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Tulsa Insurance Guy |
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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. |
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