Jacob Campbell Insurance Agency
740 NE 27th St, Ste 4151, Moore, OK 73160
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740 NE 27th St, Ste 4151, Moore, OK 73160
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420 SW 6th St, Moore, OK 73160
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1700 N Broadway St, Moore, OK 73160
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Learn about insurance coverage options specific to Moore residents.
Moore homeowners pay $4,700-$7,600/year for insurance due to tornado risk. Learn about storm shelter discounts, building codes, and coverage options.
Complete insurance guide for Moore, OK residents. Learn about tornado coverage, Oklahoma auto requirements, and why homeowners rates are 94% above national average.
Yes, standard homeowners insurance policies in Oklahoma cover tornado damage to your dwelling, personal property, and additional living expenses if your home becomes uninhabitable. You don't need a separate tornado policy. However, you should verify that your dwelling coverage reflects the true replacement cost of your home and consider extended replacement cost coverage for added protection after catastrophic events.
Moore homeowners typically pay between $4,700 and $7,600 annually for home insurance, with costs varying based on your home's value, age, construction quality, and coverage limits. Oklahoma is the most expensive state in the nation for homeowners insurance due to extreme tornado exposure. Installing storm shelters and meeting enhanced building codes can help reduce premiums.
Yes, you can receive both insurance discounts and state rebates for installing a FEMA-approved storm shelter or safe room. Oklahoma's SoonerSafe program offers rebates up to $3,000 covering up to 75% of installation costs. Additionally, most insurance companies provide premium discounts for FEMA-approved safe rooms because they reduce overall risk and demonstrate responsible homeownership.
After the 2013 EF5 tornado, Moore became the first U.S. city to adopt building codes specifically for tornado resistance. Homes built after 2014 must withstand winds up to 135 mph through requirements including hurricane clips, foundation bolts, continuous plywood bracing, and wind-rated garage doors. These homes typically perform better during severe weather and may qualify for insurance discounts.
Extended replacement cost coverage provides an additional 25-50% above your dwelling coverage limit if rebuilding costs exceed your policy's base amount. This is particularly valuable in Moore because construction costs can spike dramatically after major tornadoes when contractors are overwhelmed and materials become scarce. Given Moore's catastrophic tornado history, this coverage is highly recommended for comprehensive protection.
The 2013 EF5 tornado killed 24 people, destroyed 1,500 buildings, and caused $2 billion in damage, significantly impacting insurance rates across Moore and Oklahoma. Insurers raised premiums to account for the demonstrated catastrophic risk. However, the disaster also led to Moore adopting the nation's first tornado-specific building codes, and homes built to these standards may qualify for lower premiums due to improved resilience.
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