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 When Corey and Jessica bought their first home in Moore, Oklahoma, they were over the moon. They'd saved for years, finally found a great three-bedroom with a big backyard, and closed just in time to move in before spring. But just one week after unpacking, a late-season hailstorm pounded their roof and siding. They assumed everything would be taken care of by their homeowners insurance. Unfortunately, their policy had high deductibles for wind and hail damage, and coverage gaps they didn’t fully understand when they signed. It was a costly surprise—one they now warn every new Oklahoma homeowner about. Why Insurance Is Different in OklahomaOklahoma weather doesn't play around. From tornadoes in the spring to ice storms in the winter, the range of severe weather here is wider than in most states. Because of this, homeowners insurance in Oklahoma can look different than in other parts of the country. Policies might include separate deductibles for wind or hail. Some carriers limit replacement cost options. And if you live in a higher-risk ZIP code, your premium might be higher than the national average. Knowing what you're signing up for before you move in can save you from financial frustration later. Types of Coverage Every Oklahoma Homeowner Should ReviewBefore you move in, be sure you understand what your homeowners insurance policy actually covers—and what it doesn’t. Here are the big categories to ask your insurance agent about. Dwelling Coverage This pays for damage to the structure of your home from covered perils like fire, wind, or hail. Make sure your policy covers the full replacement cost, not just the actual cash value. Personal Property Coverage This protects your belongings—furniture, clothes, electronics. Make sure you know your limits and whether you need extra coverage for high-value items like jewelry or musical instruments. Liability Coverage If someone is injured on your property or you accidentally damage someone else’s, this part of your policy helps cover legal and medical bills. Medical Payments This provides limited coverage for medical expenses if someone is hurt on your property, regardless of fault. Additional Living Expenses If a tornado or fire makes your home unlivable, this coverage helps pay for hotel stays and meals while your house is being repaired. Ask About Separate DeductiblesIn Oklahoma, many insurance companies have separate deductibles for wind and hail damage. These deductibles may be listed as a percentage of your dwelling coverage amount, not a flat dollar amount. That means if your home is insured for $300,000, a 2% deductible equals $6,000 out of pocket before your policy kicks in. Review this detail closely, especially if you’re buying in Tornado Alley or another high-risk area. New Construction? Ask About DiscountsIf you’re buying a newly built home or one with major updates like a new roof or plumbing, some insurance providers offer discounts. Newer homes typically come with better building materials, up-to-date codes, and lower risk—and those benefits could be reflected in your premiums. Older Homes? Watch for Higher CostsOn the flip side, older homes may be more expensive to insure. Outdated electrical, plumbing, or roofing systems can drive up premiums. Be sure to ask your agent about how your home’s age will affect your policy. Pools, Trampolines, and ExtrasIf your new home has a swimming pool, trampoline, or other features that raise the risk of injury, they could impact your liability coverage. Be sure to disclose these during the quoting process and ask if you need additional protection. Know the Value of BundlingMany Oklahoma homeowners save money by bundling their home and auto insurance through the same provider. Ask your agent about multi-policy discounts. Just make sure both policies still meet your needs. Flood Insurance Is SeparateStandard homeowners policies do not cover flood damage. If your new home is near a body of water or in a flood-prone area, you may need a separate flood insurance policy. Even homes outside official flood zones can be at risk during Oklahoma’s heavy storms. Ask your agent if it’s worth adding. Your Credit Score MattersIn Oklahoma, your credit score can impact your homeowners insurance premiums. Keep your credit in good shape to potentially receive lower rates from insurance providers. Work With a Local Independent Insurance AgentChoosing a local independent agent gives you access to multiple insurance companies, which means you’re more likely to find a policy that fits your situation. A good agent knows what coverage is standard, what additional coverages are worth considering, and which carriers work well in specific Oklahoma City neighborhoods. Serving Oklahoma City and BeyondOklahoma Insurance Professionals helps homeowners across Oklahoma City, Edmond, Norman, Moore, Yukon, and beyond. Whether you’re a first-time buyer or upgrading to your forever home, we’re here to help you get the protection that fits your home and your budget. Contact us today for a free review of your current policy or to get started on a new quote. We’re independent, experienced, and based right here in Oklahoma—so we know exactly what kind of coverage Oklahoma homeowners need.
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