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oklahoma homeowners insurance

The Sooner State is a gorgeous state for homeowners, with high plains and low wetlands right outside your door. If you own a home here, you're in luck — homeowners insurance can help you protect yourself, your pad, and your guests.

When you get a free quote online from Esurance, you can easily customize a policy with flexible coverage options and limits. And with several convenient discounts at your disposal, you can keep your abode and much of what's inside safe, all at a price you can afford.

esurance home insurance features

Flexible payment schedule

As a perk of being an Esurance customer, Oklahomans get a convenient 12-month policy term, which you can choose to pay:

  • Monthly
  • With your escrow account
  • All up front

Automatic dwelling protection updates

We'll automatically check to see if reconstruction costs have changed in your neighborhood (in case your home ever needs to be repaired or rebuilt following a covered loss) every time you renew your home insurance policy with us in Oklahoma.

If reconstruction costs have increased, we'll update your policy. (Rest assured, we'll let you know how the change affects your premium.) If the cost has decreased, we'll also notify you so you can update your coverage if you'd like.

Customizable coverage limits

At Esurance, we believe your home and the things you keep there are unique, just like you. When you get a policy from us, you get the benefit of a wide range of coverage options, so your policy is as one-of-a-kind as your place.

cash-saving discounts in the sooner state

What's better than affordable homeowners insurance? Saving even more money on insurance with discounts! While you're getting your free home quote, you'll see an array of easy-to-score discounts. Here are just a few.

Good Claims History discount

This one's really simple: if you've had few or no claims, you stand to save big with us.

Multi-Policy discount

Already have a car policy with us? Awesome! By bundling your Oklahoma home and auto policies with Esurance, you'll save even more.

Smoke-Free discount

We'll reward you for being fire safety-conscious if you have a non-smoking household.

Welcome Home discount

If you're a new homeowner getting first-time coverage or simply switching to us from another home insurer, we'll give you a discount on your first 2 policy terms.

DIY Inspection discount

Simply send us a copy of your home appraisal done within the last year to nab this discount.

The savings in the Sooner State don't stop there. Our other discounts on home insurance in Oklahoma include the New Home discount, Home Safety Features discount, Hail Resistant Roof discount, Future Effective Date discount, the Preferred Buyer discount, and the Loyal Customer discount.

standard home coverages from esurance

When it comes to protection for your house, you want the very best, including coverage for your everyday items. Homeowners insurance from Esurance covers all that and more, like medical protection for guests and personal liability protection.

Check out the variety of coverages that come standard with an Esurance home policy.

Dwelling protection

Most of the Sooner State is located in Tornado Valley, so you're probably familiar with harsh weather (particularly severe storms). Fortunately, if a covered risk like wind, hail, or even fire damages your home, repairs to your home are covered by your policy.

How do you know how much coverage is right for you? Consider getting at least enough dwelling protection to cover the total cost of rebuilding your house. You can always increase your coverage limit if you'd like.

Guest medical protection

Say a guest slips and falls on your front steps, banging up a knee. Even if you're not liable for their injuries, your homeowners insurance could help pay their medical fees. There's no deductible associated with guest medical protection, so you don't need to pay anything out of pocket for this coverage to kick in.

Personal property protection

Part of what makes your house a home are the things you keep there — furniture, clothes, electronics, and other well-loved items.

If you're not sure how much coverage you should get for your personal property, taking a home inventory can help you figure out what your belongings are worth and how much it would cost to replace them if they were stolen or damaged by a covered incident.

Water backup coverage

If you have water damage due to a clogged drain or a broken sump pump, we'll cover up to $5,000 automatically. As a homeowner in Oklahoma, you might even be able to increase your limits up to $25,000 for even more protection. To check available coverage for your policy, just call us at 1-866-439-5633.

Additional living expense coverage

If a covered loss leaves your home temporarily uninhabitable and you need to stay elsewhere while repairs are made, we'll help cover your hotel bill, food costs, and other reasonable expenses for up to 12 months (up to your limit) or until it's safe to return home.

helpful additional coverage options in oklahoma

When you get a free quote from Esurance, you'll have the option of tacking on some additional coverages, which can help better protect your home and belongings.

Identity theft expense coverage

It's horrible enough having your identity stolen without having to pay to fix the damage after the fact. With identity theft expense coverage, we'll repair the damage done to your name and credit for just $3 a month ($4 for 2 people). Under this coverage, we'll also provide you with an annual credit report and score, monthly credit file monitoring, and an ID theft advisor.

Eco upgrade

If an appliance in your home is damaged due to a covered loss, this coverage will pay to replace it with an ENERGY STAR qualified product.

Roof surfaces extended coverage

Oklahoma experiences over 50 tornadoes a year on average, making your roof an easy target. If a twister takes a bite out of it, the damage might exceed your dwelling coverage limits or other structures protection.

All's not lost though — Oklahoma homeowners can add roof surfaces extended coverage, which covers the cost of repairing or replacing your roof (up to your limit) after a wind- or hail-related incident.

Additional coverage on jewelry, watches, and furs

Whether you wear your favorite fur every winter or simply want additional coverage for a gold watch, this coverage can come in handy, especially if your costliest items exceed the limits of basic personal property protection.

If a particularly pricey piece of jewelry or fur is damaged or stolen, this coverage could help cover the cost of repairing or replacing it.

Related links

Tips on driving in high winds
These driving tips can help you prepare an emergency car kit and get home safely in the event of a looming tornado or hurricane.

7 home maintenance tasks to save you money
Even the freshest of pads can deteriorate quickly if not cared for properly. Check out these helpful home maintenance tips.

Wonder if you could be saving on homeowners insurance?

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or call 1-866-439-5633