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Search by Quote ID → Search by Date of BirthMercury Homeowners Insurance in Tulsa
Discover the value, reliability, and exceptional service that Mercury Insurance provides to Tulsa homeowners like you. Whether you live in the suburbs of Broken Arrow or in a historic neighborhood like Maple Ridge, our friendly and knowledgeable team is here to help you find the perfect homeowners insurance policy tailored to your needs. With Mercury, you can rest easy knowing that your home, belongings, and loved ones are protected.
What Tulsa Homeowners Insurance Covers (and Doesn’t)
Here’s a breakdown of what standard homeowners insurance covers and doesn’t cover, so you can make informed decisions with confidence:
What Homeowners Insurance Covers
- Dwelling protection: Safeguard your home’s structure, including walls, roof, and foundation, against covered perils like fire, windstorms, and hail.
- Personal property: Protect your belongings - from furniture to electronics - with coverage for theft, damage, and loss.
- Liability coverage: Protect yourself from legal and medical expenses if someone gets injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses: Ensure you have a safe place to stay if your home becomes uninhabitable due to a covered event, covering hotel stays, meals, and more.
What Homeowners Insurance Doesn’t Cover
- Flood damage: Standard policies don’t include flood protection. Since Tulsa is close to the Arkansas River, you may want to consider purchasing flood insurance.
- Earthquake damage: Earthquake coverage isn’t part of standard home insurance policies. Oklahoma has experienced seismic activity over the years, so purchasing earthquake insurance can help give you peace of mind.
- Maintenance issues: Regular wear and tear or neglect-related issues are not covered. Keeping up with home maintenance is essential for preventing these problems.
- Rodents and pests: Damage caused by rodents, insects, and other pests is not covered. Regular pest control is crucial to keep your home in good shape.
Optional Homeowners Coverages
These optional coverages provide added peace of mind, ensuring comprehensive protection for your home and belongings:
- Additional personal property coverage: This added protection ensures that high-value items like jewelry, art, and collectibles are covered.
- Extended replacement cost: Provides extra coverage, up to 150% of your dwelling’s policy limits, to rebuild your home after a covered loss.
- Home systems protection: Covers the cost of repairing or replacing essential home systems and appliances that break down due to mechanical or electrical failure.
- Identity management services: This optional coverage offers resources and support to help restore your identity if it’s stolen.
- Service line protection: Extends coverage to utility lines running from the street to your home, including repairs to water, sewer, electrical, and gas lines.
- Home cyber protection: Safeguards against losses from compromised data on personal computers, mobile devices, and other connected home technology, including damage to software and operating systems.
Understanding Tulsa Coverage Rates
Numerous factors can determine your home insurance rate, including:
- Neighborhood: Rates can vary significantly depending on the specific area of Tulsa you live in. For instance, homes in historic districts like Maple Ridge might have different rates compared to those in newer developments in South Tulsa.
- Proximity to risks: Close proximity to the Arkansas River or areas prone to severe weather, like tornadoes and hailstorms, can affect your premiums.
- Age and condition: Older homes or those with outdated systems may have higher rates due to the increased risk of damage or the need for repairs.
- Policy limits: The amount of coverage you choose for your dwelling, personal property, and liability will directly impact your rate.
- Deductible: Choosing a lower deductible can raise your premiums.
- Claims history: A history of frequent claims can lead to higher premiums.
- Credit score: If you have a low credit score, you may receive a higher rate since it’s often seen as an indicator of financial responsibility.
How to Reduce Your Tulsa HO Insurance Rate with Mercury Insurance
Saving on your homeowners insurance in Tulsa is easier than you might think. Mercury Insurance offers several ways to help you lower your premiums while maintaining the quality coverage you need. Here are some effective strategies:
- Make your home disaster-resistant: Strengthen your home against Tulsa’s weather risks by adding storm shutters, reinforcing your roof, and ensuring proper drainage. These improvements can lower the likelihood of damage and, as a result, your premiums.
- Increase your deductible: Higher deductibles generally result in lower premiums, but it’s important to choose a deductible you can comfortably afford in the event of a claim.
- Maintain a good credit score: A higher credit score can help you secure better insurance rates. Pay your bills on time, reduce your debt, and monitor your credit report to keep your score healthy.
- Bundle your policies: Bundle your home and auto insurance to lower your premium.
- Review your coverage annually: Regularly review your policy with a local agent to ensure you’re not overinsured or underinsured. Adjusting your coverage to better match your current needs can result in savings.
- Be judicious with claims: Avoid filing claims for minor incidents to help keep your claims history clean and qualify for lower rates.
Save More with Discounts
At Mercury Insurance, we offer various discounts to help Tulsa homeowners save on premiums. Whether you purchase home safety devices, belong to a homeowners association, or have a newer home, you may qualify for big savings. Contact Mercury today to discuss your eligibility and start saving on your homeowners insurance.
Tulsa Homeowners Insurance FAQ
How much is homeowners insurance in Tulsa, OK?
According to Bankrate, the average cost of homeowners insurance in Tulsa is $4,024 per year.
What Mercury Insurance products are available to OK residents?
Here are the products available to OK residents: