Anytime Insurance
2317 Holly Rd, #AI, Claremore, OK 74017
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Claremore households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2317 Holly Rd, #AI, Claremore, OK 74017
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1071 W Blue Starr Dr, STE 101, Claremore, OK 74017
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965 W Will Rogers Blvd, Claremore, OK 74017
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125 W Blue Starr Dr, Claremore, OK 74017
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Learn about insurance coverage options specific to Claremore residents.
Complete 2025 guide to insurance in Claremore, Oklahoma. Learn why rates are high, what coverage you need, and how to find local agents in Rogers County.
Home InsuranceClaremore home insurance averages $4,476-$7,683/year due to tornado risk. Learn about wind/hail deductibles, flood coverage, and discounts for Rogers County.
Car InsuranceClaremore auto insurance guide: Oklahoma's 25/50/25 minimums, at-fault system, and why UM coverage matters. Compare rates and find the right coverage.
Oklahoma has the highest average home insurance rates in the nation primarily due to severe weather. Rogers County experiences frequent tornadoes and hail storms, with 80-90% of all Oklahoma homeowners claims involving roof damage from severe weather. Insurance companies paid out $105 for every $100 they collected in 2023, forcing them to raise rates significantly to remain solvent.
Oklahoma requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for total bodily injury, and $25,000 for property damage. However, these minimums may not be sufficient for serious accidents. Most experts recommend at least 50/100/50 coverage to adequately protect your assets, especially if you own a home or have significant savings.
Many Oklahoma insurers now use a separate percentage-based deductible specifically for wind and hail damage, typically 1-5% of your home's insured value. For a home insured at $250,000 with a 2% wind/hail deductible, you would pay $5,000 out of pocket before insurance coverage begins after a storm. This is separate from your standard deductible for other types of damage.
Auto insurance costs vary based on your driving record, age, credit score, and vehicle type, but Oklahoma averages range from $1,658 to $2,705 annually for full coverage. Minimum liability-only coverage typically costs $564-$1,000 per year. Recent rate increases of 25.5% in 2023 mean it's important to compare quotes from multiple insurers to find the best rate.
Local agents offer significant advantages in Rogers County because they understand Oklahoma's unique severe weather risks and claims processes. They know how wind and hail coverage works, have experience handling tornado damage claims, and understand local factors affecting your rates. Independent agents can also shop multiple insurance companies to find you the best coverage and price.
Contact your insurance company immediately to report the damage—don't wait. Take detailed photos of all damage before making any repairs, but do make temporary repairs to prevent further damage (your policy requires this). Store your insurance documents and damage photos in a safe place, and be cautious of storm-chasing contractors who may be scammers.
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