Homeowners Insurance in Tulsa, OK

It covers your home, belongings, liability, and additional living expenses after a covered event like fire, theft, or wind damage.

Yes, most policies cover wind and storm damage from tornadoes — but flood damage is usually excluded unless you add a separate flood policy.

The average Oklahoma homeowner pays $2,000–$2,400 per year, depending on home value, location, and coverage limits. Zoellner Insurance compares quotes to help you save without sacrificing protection.

No — Oklahoma law does not require homeowners insurance, but most mortgage lenders do. If you have a mortgage, your lender will require you to maintain enough coverage to protect the property and their investment. Even if your home is paid off, homeowners insurance is strongly recommended because it protects your house, belongings, and liability from fire, storms, theft, and other unexpected losses. At Zoellner Insurance, we help Oklahoma homeowners choose affordable coverage that fits their home’s value and their comfort level for risk — whether required by a lender or not.

Oklahoma has some of the highest homeowners insurance rates in the U.S., primarily due to the state’s exposure to severe weather — including tornadoes, hail, windstorms, and flooding. The high frequency of storm-related claims drives up repair costs and insurer risk, which increases premiums statewide. Additionally, rising construction and material prices contribute to higher replacement costs for homes. Zoellner Insurance helps offset these expenses by comparing quotes from multiple top-rated carriers and identifying discounts for storm-resistant roofing, security systems, and policy bundles to help homeowners save.

The cost of flood insurance in Oklahoma varies based on your location, property elevation, and flood risk zone. On average, homeowners pay between $700 and $1,200 per year through the National Flood Insurance Program (NFIP). However, rates can be significantly lower for properties outside designated flood zones or when purchased through private carriers. Standard homeowners insurance does not cover flood damage, so adding a separate flood policy is essential if you live near rivers, creeks, or low-lying areas. Zoellner Insurance can help you determine your flood zone, compare NFIP and private options, and find the most affordable coverage available.

Oklahoma doesn’t sell separate “tornado insurance,” but tornado-related damage is generally covered under a standard homeowners insurance policy as part of your wind and hail coverage. This includes damage from high winds, falling debris, and structural impact caused by tornadoes. However, it’s important to review your deductible, as many insurers in Oklahoma have special wind or storm deductibles that differ from your regular one. Zoellner Insurance works with multiple carriers to ensure your home, roof, and belongings are properly protected from tornado and storm damage at the best possible rate.

Standard homeowners insurance covers many common risks but doesn’t cover everything. Exclusions typically include:

• Flood damage (requires a separate flood policy)

• Earthquakes or sinkholes (covered by optional add-ons)

• Maintenance issues (like mold, rot, or pest infestations)

• Wear and tear or neglect-related damage

• High-value items like jewelry or art beyond set limits (unless scheduled)

At Zoellner Insurance, we help you understand exactly what your policy covers — and offer options to fill in gaps with flood, earthquake, or valuables protection, ensuring you have complete peace of mind no matter what happens.

The 80% rule requires you to maintain insurance coverage for at least 80% of your home’s total replacement cost. If your coverage falls below this level, your insurer may not pay the full amount for partial claims. For example, if it costs $300,000 to rebuild your home, you must carry at least $240,000 in dwelling coverage to avoid out-of-pocket penalties after a storm.