Renters Insurance in Tulsa, OK

Save even more with available discounts:

• Multi-policy (auto + renters)

• Claims-free history

• Home security systems

• Smoke alarms and fire sprinklers

• Paperless billing

Ask our agents how to combine renters insurance with your auto or home policy for even greater savings.

Renters insurance isn’t required by state law, but many landlords and property managers in Tulsa require tenants to carry coverage. Even when not required, it’s highly recommended to protect your belongings and liability.

The average renter in Tulsa pays $15–$25 per month, depending on coverage limits, deductible, and whether you bundle with auto insurance. Zoellner Insurance compares multiple carriers to find you the best rate.

Standard renters insurance covers wind and storm damage, but not flooding. You can add flood insurance separately. Tornado-related damage is typically covered under wind and hail protection.

Renters insurance covers your personal belongings — not your roommates’. Each person should have their own policy to ensure full coverage.

The amount of renters insurance you need depends on the value of your personal belongings and your comfort level with risk. Most Tulsa renters choose policies with $20,000–$50,000 in personal property coverage and at least $100,000 in liability protection.

A simple way to estimate your coverage is to create an inventory of everything you own — furniture, electronics, clothing, and kitchenware — and calculate what it would cost to replace them after a fire, theft, or storm.

Zoellner Insurance can help you determine the right amount of coverage for your apartment or rental home in Tulsa, Broken Arrow, or surrounding areas, ensuring you’re fully protected without overpaying.

Yes — renters insurance covers theft, both inside and outside your home.
If your belongings are stolen from your apartment, car, or even while traveling, your policy can reimburse you for the loss up to your coverage limit.

For example:

• A stolen laptop from your vehicle ✅

• A bike stolen from your porch ✅

• Burglary in your apartment ✅

Renters insurance also covers damage from break-ins, such as broken doors or windows.
Zoellner Insurance helps Tulsa renters choose policies that include replacement cost coverage, so you’re reimbursed for what it costs to replace items today, not their depreciated value.

Renters insurance typically does not cover damage caused by your pets to your own property or your landlord’s property (like carpet or walls).
However, it can cover liability if your pet injures someone or damages someone else’s property.

For example:

• Your dog bites a neighbor 🐶 → covered under liability

• Your cat scratches the landlord’s door 🚫 → not covered

Some insurance carriers offer optional pet liability add-ons that expand your coverage. Zoellner Insurance can help you review options and find the right protection for pet owners across Tulsa and nearby cities like Bixby, Jenks, and Owasso.

The difference comes down to who owns what:

Your landlord’s insurance covers the physical structure of the home or apartment — but not your belongings or liability.

That’s why renters insurance is essential: it fills the gap by protecting your stuff, your peace of mind, and your financial security.

Renters insurance in Tulsa typically ranges from $15–$25 per month depending on coverage limits and deductible. Bundling with auto insurance may reduce premiums further.