Homeowners Insurance

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Understanding Home Insurance in Oklahoma

As a homeowner in Oklahoma, you need to understand your home insurance policy as much as possible. Why?

• Your home is likely the most significant investment you will ever make.
• Oklahoma home insurance rates are among the highest in the country.
• Oklahoma sees more home claims per capita on average than any other state in the country.
• These factors cause some local agents to "skimp" on coverages to sell on price. People only discover this when the have a claim denied due to insufficient or lack of coverage.
  

MetroOKC Insurance helps you make informed choices about your home insurance coverage and work with you through the process if you must file a claim. All claims situations are different, and we will do our best to help you understand your claim's potential impact before you file. MetroOKC Insurance can even tell you how and where other quotes or policies you have received are reducing your protection to save on price. Let us do a review!

What is Homeowners insurance?

Homeowners insurance is a form of property insurance covering losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Homeowners insurance covers your property's damage and your liability or legal responsibility for any injuries and property damage you or members of your family cause. 

Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Please use the forms provided below to request a quote, or you can call (405) 603-2176 or contact us via EMAIL.