Brian Kennedy Agency
111 SE Frank Phillips Blvd, Bartlesville, OK 74003
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Bartlesville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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111 SE Frank Phillips Blvd, Bartlesville, OK 74003
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319 S Dewey Ave, Suite 307, Bartlesville, OK 74003
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1550 SE Washington Blvd, Bartlesville, OK 74006
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Learn about insurance coverage options specific to Bartlesville residents.
Get the complete guide to auto and home insurance in Bartlesville, Oklahoma. Learn about state requirements, tornado coverage, and local agents.
Home InsuranceBartlesville home insurance costs $4,500-$7,700/year due to tornado risk. Learn coverage options, wind/hail deductibles, and ways to save on Oklahoma rates.
Car InsuranceDiscover what Bartlesville drivers need to know about Oklahoma's 25/50/25 minimums, at-fault system, and how to get adequate coverage for less.
Oklahoma requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for total injuries, and $25,000 for property damage. However, insurance experts recommend higher limits of at least 100/300/100 for better financial protection in serious accidents.
Home insurance costs more in Bartlesville because of Oklahoma's location in Tornado Alley. Frequent tornadoes, hailstorms, and severe weather increase the risk of claims, which drives up premiums. Bartlesville homeowners pay an average of $3,865 annually, well above the national average of $2,417.
Most Oklahoma homeowners policies cover tornado damage, but many have a separate wind/hail deductible that's higher than your standard deductible—often 1% to 5% of your home's value. Additionally, flood damage from tornadoes requires separate flood insurance, as standard policies exclude flooding.
Bundle your auto and home policies for multi-policy discounts. Make tornado-resistant home improvements like impact-resistant roofing or windows to qualify for premium reductions. Raise your deductible if you can afford higher out-of-pocket costs, maintain good credit, and shop around with multiple local agents for the best rates.
If you live near the Caney River or in a low-lying area, flood insurance is worth considering. Standard homeowners policies don't cover flood damage, even when flooding occurs during a tornado. You can purchase flood insurance through the National Flood Insurance Program or private insurers.
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