Baker-Harris-Hopkins Insurance
502 W Broadway Ave, Enid, OK 73701
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Enid households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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502 W Broadway Ave, Enid, OK 73701
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2429 N Van Buren, Enid, OK 73703
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2429 N Van Buren St, Enid, OK 73703
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201 N Grand Ave, Ste 303, Enid, OK 73701
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Enid, OK (no street address listed on site), Enid, OK 73701
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502 S Cleveland St, Enid, OK 73703
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205 W Maple Ave, Suite 103, Enid, OK 73701
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Learn about insurance coverage options specific to Enid residents.
Enid homeowners pay $4,643/year on average for insurance. Learn why rates are high, what weather risks matter, and how to save hundreds on coverage.
Car InsuranceEnid drivers pay just $382/year for minimum coverage. Learn Oklahoma's 25/50/25 requirements, why comprehensive matters for hail, and how to save.
General Insurance EducationComplete insurance guide for Enid, OK residents. Learn about auto, home, and life insurance rates, coverage options, and money-saving tips for northwest Oklahoma.
Enid homeowners pay an average of $4,643 annually, well above the national average, primarily due to Oklahoma's severe weather risks and lenient insurance regulation. The state experiences frequent tornadoes, hailstorms, and damaging winds, which increases claims. Additionally, Oklahoma's regulatory environment allows insurers to raise rates with less scrutiny than other states, resulting in premiums that sometimes exceed actual risk levels.
Hail damage is the most common weather-related claim in Enid, followed by wind damage and tornadoes. Garfield County experiences severe thunderstorms from April through June that can produce baseball-sized hail capable of destroying roofs. While tornadoes get more attention, hailstorms affect far more homes and result in more insurance claims annually.
No. Oklahoma law specifically prohibits insurance companies from surcharging policyholders for weather-related claims. This means filing a claim after a hailstorm or tornado won't automatically increase your premiums the way an at-fault claim might in other contexts. This is important protection given Oklahoma's frequency of severe weather events.
Impact-resistant shingles rated for hail can qualify you for significant insurance discounts, often 10-20% off your annual premium. Given that the average Enid homeowner pays $4,643 per year, that could mean savings of $460 to $920 annually. Combined with the reduced likelihood of hail damage requiring roof replacement, impact-resistant materials often pay for themselves within several years.
Always choose replacement cost coverage. While actual cash value policies are cheaper, they deduct depreciation when paying claims. Construction costs have increased dramatically, and rebuilding your home after a total loss would cost far more than your home's current market value. The premium difference is usually modest compared to the financial risk you're taking with actual cash value coverage.
Review your coverage and compare quotes from multiple insurers every 1-2 years. Oklahoma's insurance market is volatile, with rates changing frequently. An insurer offering competitive rates one year may raise prices significantly the next. Regular comparison shopping can save you hundreds of dollars annually and ensures you're getting the best available rate for your coverage needs.
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