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oklahoma renters insurance

Oklahoma is a cut above the rest when it comes to city living with low rent costs. In fact, the Oklahoma City metropolitan area has been ranked in Bloomberg Businessweek's top 10 metro areas with low rents in the past.

With all that extra cash in your wallet, you can choose from a wealth of things to do in the Sooner State. If you want easy access to urban entertainment — like the Museum of Osteology (dino bones!) or the Center of the Universe (really) — Oklahoma can't be beat.

No matter where you rent in this remarkable state, be it in the big city or a more rural area, Oklahoma renters insurance is crucial to giving you the security and peace of mind you need.

Why should I get renters coverage?

Oklahoma renters insurance isn't required, but a lot of landlords are starting to include it as part of the lease agreement. Coverage is really important if you want protection for your personal belongings and liability. It also helps pay for hotel stays and food if you're forced to live elsewhere due to a covered loss, like theft or fire.

Get a renters quote in Oklahoma

Good news, Okies: you can get an Oklahoma renters quote from Esurance. Whether you rent a condo in Oklahoma City or an off-campus apartment in Tulsa, we're happy to help you protect your belongings.

By adding Esurance renters coverage onto your auto quote or existing car insurance policy, you'll qualify for the Renters Plus® discount — and save some dough on your car insurance.*

Esurance coverages in Oklahoma

A lot of people believe that an accident on their property or damage to their valuables is covered by their landlord. Sadly, this is rarely the case. Even though the landlord insures the building itself, it's down to you to protect the contents of your place (like electronics, clothing, etc.).

A standard rental policy for your apartment in Oklahoma can include:

Liability coverage
A guest can sue if they're injured in your rental home. If an accident occurs, liability coverage can help cover legal expenses and save you a lot of hassle. It can also keep you from paying repair or replacement bills out of pocket if you, say, damage a neighbor's roof while trimming a tree in your yard.

Personal property coverage
Return to your car to find your iPad® missing? Yep, personal property coverage will help you replace it. It also helps protect valuables inside your rental home if they're damaged by a covered risk, like fire or vandalism.

Additional living expenses
If a covered loss forces you to live elsewhere temporarily, your policy will help cover the bill for incremental expenses like hotel stays and daily living costs.

Medical payments
If a guest injures themselves on your property, medical payments coverage will help foot the bill to make them good as new again.

Some incidents covered by your Oklahoma rental policy

  • Burglary
  • Vandalism
  • Smoke
  • Fire
  • Freezing
  • Falling objects

Renters risks in Oklahoma

Why is renters coverage important in Oklahoma? Here are a couple risks specific to your area.

Protecting yourself on the open plains: high winds and tornadoes in Oklahoma

Oklahoma averages over 50 tornadoes a year, with most touching down April-June. Longtime Okies will also know about the severe thunderstorms that come in spring and fall. If storms and strong winds damage your stuff in your apartment, renters insurance can help replace it.

Oklahoma City property crime

Nearly 2,900 property crimes (things like theft, burglary, car theft, and arson) were reported to the Oklahoma City Police Department in 2012. Oklahoma City renters insurance can help replace stolen or damaged possessions if a covered incident occurs.

Related links

Identity theft and renters insurance
Didn't think these two were connected? Think again.

4 common renters insurance claims
Learn how to avoid these common renters insurance claims.

Get a renters insurance quote and see how much you can save.

or call 1-866-439-5633