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Best Renters Insurance in Tulsa, OK

Aug. 15, 2019, 8:17 p.m.

If you rent instead of own, what happens if your personal belongings are stolen during a break-in or damaged by a fire? What if you’re held legally responsible for an injury where you live? If you have renters insurance, you’re covered. We researched the best renters insurance in Tulsa so you get financial protection at an affordable price.

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

ConsumerAffairs thoroughly researched consumer reviews and company information.

32 Hours researched
111 Reviews analyzed
14 Companies evaluated
10 Companies selected
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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Handles paperwork at no extra cost
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Tulsa
Read More
Location
Serves residents in
Tulsa, OK
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • No-obligation quotes
  • Largest online marketplace
  • Find coverage right for you
  • Available in Tulsa
Read More
Location
Serves residents in
Tulsa, OK
(855) 522-3444
Liberty Mutual Insurance
Liberty Mutual Insurance
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • libertymutual.com
Location
8811 S. Yale Ave., Ste. 350
Tulsa, OK 74137
(918) 299-7593
EZ Insurance Agency
EZ Insurance Agency
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • ezinsok.com
Location
1207 S. Memorial Dr.
Tulsa, OK 74112
(918) 794-3220
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
Progressive Insurance
Progressive Insurance
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • progressive.com
Location
7666 E. 61st St., Ste. 450
Tulsa, OK 74133
(918) 215-3003
Best Insurance
Best Insurance
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • bestinsurancetulsa.com
Location
4315 S. Sheridan Rd.
Tulsa, OK 74145
(918) 576-7000
Allstate Insurance: Ron Henderson
Allstate Insurance: Ron Henderson
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • agents.allstate.com/ron-henderson-tulsa-ok.html
Location
8733 S. Lewis Ave.
Tulsa, OK 74137
(918) 291-7400
Charles G. Harris Insurance Agency
Charles G. Harris Insurance Agency
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • harrisinsurancetulsa.com
Location
4724 S. Union Ave.
Tulsa, OK 74107
(918) 446-4421

How to choose rental insurance in Tulsa

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There is a common misconception that if you rent a home or apartment, you don’t need to worry about insurance because the property owner has it all covered. The truth is that the landlord’s insurance policy only covers the property — not tenants’ belongings or liability in case of an accident.

There are many reasons to purchase renters insurance in Tulsa. Here are a few:

  • It’s not expensive. The average cost of a renters insurance policy in Tulsa is $10 - $15 per month.
  • Tulsa renters are vulnerable to burglaries. From 2013 to 2018, there was an average of 5,500 burglaries in the city, according to the Tulsa Police. If a break-in occurs at your apartment and you have renters insurance, you are covered for the cost to repair or replace any stolen belongings.
  • In addition to theft, renters insurance ordinarily covers personal property losses caused by fire, storms, lightning, wind, hail, vandalism, riots, aircraft and vehicles.
  • Renters insurance includes liability coverage; if you are found legally responsible for an injury to someone or for damage to their property, liability coverage lowers your costs.
  • If your home becomes uninhabitable after a covered event, renters insurance covers expenses for temporary shelter and food.

Anyone who rents in Tulsa is a good candidate for renters insurance, including college students at the University of Tulsa and Oral Roberts University and young professionals living downtown or in the Brookside or Cherry Street districts.

When purchasing renters insurance in Tulsa, pay attention to deductibles and coverage limits. The deductible is how much you will have to pay before coverage kicks in. The coverage limits are the maximum amounts the insurance company will pay out. Premiums (what you pay for coverage) generally rise if you want a lower deductible or higher coverage limits.

Before choosing a policy, read over the fine print for a list of exclusions. Flooding and earthquakes are not normally covered perils, and neither are pests. If you have expensive valuables, ask about additional riders you have to purchase to cover high-worth jewelry, art and electronics.

Also, don’t forget to ask about discounts. If you add automobile coverage, have home alert devices or use automatic payment, there may be savings opportunities.

Policygenius

Policygenius

Policygenius is an online insurance broker that has helped over 4.5 million shop for coverage. Licensed advisors help renters with personalized recommendations, discounts, extra coverage for valuables and a dashboard to manage an account. The easy-to-navigate website has plenty of educational resources on renters insurance. Customers say they’ve had great experiences using Policygenius and recommend it to anyone in the market for coverage.

EverQuote

EverQuote

EverQuote is the largest online marketplace for insurance shopping in the U.S. All you have to do is fill out a simple form, and its technology matches you with the best renters insurance options in Tulsa. Agents will contact you by your preferred method and help you find a policy with the coverage you want, all while saving you money. Customers like that EverQuote is fast and easy, but some are bothered by the volume of communication they receive after putting in their information.

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 judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.