Tulsa, OK Homeowners Insurance - Best and Cheapest (2021)

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Tulsa, OK Homeowners Insurance (2021)

Tulsa, Oklahoma, was once historically robust in big oil. Today, Tulsa is diversified in finance, aviation, telecommunications, and technology. These sectors bring people from all walks of life to the city. Did you recently move to Tulsa? Or are you planning a move? Even if you’ve lived in Tulsa for a long time, you know that it is a great city to live in with lower living expenses than the national average. Tulsa has a dense suburban feel and friendly neighbors. Mixed in are a good selection of bars, restaurants, and parks that offer various things to do without breaking the bank.

Tulsa was named one of the most liveable large cities by Forbes. You’ll notice that most residents love their city so much that they’ve bought a permanent residence in the area. But even with most residents owning homes at lower prices, homeowners still need a way to save where they can. Tulsa is known for being in tornado alley, which consistently leads to significant destruction. And rebuilding comes at a high price. Homeowners insurance is the perfect way to enjoy life while protecting everything you love and saving money.

From Broken Arrow to Bixby, comparing and saving on home insurance has never been so easy. Use Insurify to find the best and cheapest home insurance in Tulsa, Oklahoma, today!

Cheapest Insurance Companies for Homeowners in Tulsa (2021)

For homeowners in Tulsa, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Tulsa. The following are the best insurance rates from carriers that offer homeowners insurance in Tulsa.

Cheapest Companies
oklahoma-farm-bureau

oklahoma farm bureau

$2,775/yr
usaa

USAA

$3,156/yr
allstate

Allstate

$3,503/yr

American Natonal

$3,668/yr
farmers

Farmers

$4,908/yr

How to Find Cheap Home Insurance in Tulsa

The Tulsa real estate market is on fire. The competitive housing market has increased home sale prices by over 20 percent year over year. If you’ve battled in the competitive housing market, you don’t take your property ownership investment for granted. But there are risks with property ownership, too. And the only way to have peace of mind with these risks is home insurance.

Homeowners insurance is financial liability protection on your home and personal belongings. It can help to have this protection in the event of natural disasters, fire, and theft. The typical homeowners insurance policy has different coverage options. It all depends on the type of property you own, the location, and other factors, like crime rates. There’s a home insurance policy for everyone at the right price in Tulsa, Oklahoma.

Whether you live in Jenks or Owasso, keep reading for a full guide on Tulsa home insurance.

Cheapest Home Insurance in Tulsa by Company

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in. Our free home insurance comparison tool allows you to find the best policy for the best rate fast. And your information stays private and protected.

As of 2021, the average home insurance premium in Tulsa costs $5,397 annually, and the median home value is $136,967.

While home insurance rates are on the higher side, Tulsa’s home prices are below the national average. Tulsa is regarded as being one of the most affordable cities to live in. Thankfully, saving on living expenses means you can afford to purchase additional coverage. For instance, you may need coverage for natural disasters that aren’t generally covered by a homeowners policy, like flooding.

Because you have so many options, you’ll want to go with the best insurance company in Tulsa. From State Farm to Allstate, it’s best to get compare home insurance quotes before purchasing a homeowners policy.

Take a look at the most affordable homeowners insurance companies in Tulsa, Oklahoma.

$136,967$5,397

Average Annual Homeowners Insurance Premium in Tulsa by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

  • Average Annual Cost

Cheapest ZIP Codes in Tulsa for Home Insurance

Tulsans love how quaint and lowkey living in their city can be. But it’s true that certain areas in Tulsa have higher crime rates than others. The FBI has listed Tulsa as the 14th most dangerous city in the United States. High crime rates mean a rise in theft and vandalism risks, which directly impacts insurance rates.

Like property costs, home insurance varies in price from city to city. Pricing is determined by ZIP code–specific variables, such as the volume of claims filed nearby, crime rates, and property costs, and risk variables, such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on your annual premiums.

Rates in Tulsa can be relatively high or low compared to the national average; it all depends on which area you live in. Here are the most and least expensive ZIP codes in Tulsa for home insurance.

Home Insurance Coverage Types in Tulsa

There are several types of home insurance. Specific terms of insurance policies may vary by city, but in general, the standard policy types are as follows:

HO-1: Basic
HO-2: Broad Form
HO-3: Special Form
HO-4: Tenant’s Form
HO-5: Comprehensive
HO-6: Condo Form
HO-7: Mobile Home Form
HO-8: Older Home

For more detailed Oklahoma city level guides, check out these below.

Tulsa Home Insurance and Natural Disasters

Nothing is as unpredictable as a tornado. Like the rest of tornado alley, Tulsa, Oklahoma, is no stranger to violent twisters. Your home could become destroyed in an instant. And if you don’t have the right coverage, you could end up paying more than you should after a violent storm. Windstorms are typically included with property insurance. But specific issues stemming from storms, like flooding, are not covered. It’s up to you to purchase separate flood insurance. Most people buy flood insurance through the National Flood Insurance Program (NFIP). Ask your insurance agent about options regarding separate insurance.

The Best Home Insurance in Tulsa

Multiple factors contribute to getting the best price on homeowners insurance in Tulsa. But what most people don’t know is that you can bundle insurance products like life insurance with home insurance and get a deal. Most insurance companies love when you purchase multiple insurance policies from them. For example, you could bundle auto insurance and home insurance together under one insurer. The insurance companies want to sell as many life insurance, home insurance, and auto policies as possible. Their reward to you could be significant savings for bundling.

The best way to find out if you’re getting the best insurance at the right price? By getting your free quote now. Use Insurify, the best way to compare home insurance, compare and save now!

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How to Find the Cheapest Home Insurance in Tulsa

Tulsa, Oklahoma, can be a laid-back place to live. Yet the risks of property crime and natural disasters like tornadoes are also high. In turn, finding the cheapest homeowners insurance in Tulsa may seem like an overwhelming task. Thankfully, you came to the right place. You now have the tools to help you find the best or cheapest home insurance policy.

Use Insurify to compare home insurance premiums for your property in Tulsa.

Tulsa Homeowners Insurance FAQ

Does my insurance agency in Tulsa offer bundling?

While most big insurance agencies, like State Farm and Allstate, offer bundling, your current insurer may not. Always ask your insurance agent about bundling products and discounts. If you’re looking for a great bundle deal, be sure to compare quotes to make sure you’re getting the best price on insurance.

Is bundling available for motorcycle insurance in Tulsa?

Most big car insurance companies offer bundling deals with home and motorcycle insurance. If you already have a policy, be sure to ask your agent. If not, be sure to compare insurance policies so you can get the right coverage.

What is umbrella insurance?

Umbrella insurance is also known as extra insurance. This type of insurance gives you protection beyond homeowners insurance coverage limits. You get extra coverage for things like property damage, personal liability, and lawsuits.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.