Guide One Insurance
13720 E 86th St N, Ste 120, Owasso, OK 74055
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Owasso households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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13720 E 86th St N, Ste 120, Owasso, OK 74055
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8434 N 123rd E Ave, Ste B, Owasso, OK 74055
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8434 N 123rd E Ave, STE C, Owasso, OK 74055
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13315 E 112th St N, Ste 300, Owasso, OK 74055
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Learn about insurance coverage options specific to Owasso residents.
Owasso insurance guide covering auto, home, and local agents. Learn about Oklahoma's 25/50/25 requirements, tornado coverage, and ways to save on premiums.
Home InsuranceOwasso home insurance costs $4,476-$6,133/year due to tornado risk. Learn about coverage, wind/hail deductibles, and discounts for Oklahoma homeowners.
Car InsuranceOwasso requires 25/50/25 auto coverage. Learn about Oklahoma's at-fault system, average rates ($450-$1,800), and how US-169 traffic affects your premiums.
Oklahoma requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 total per accident for all injuries, and $25,000 for property damage. However, these minimums often aren't enough to fully protect you financially if you cause a serious accident. Most experts recommend higher limits, especially if you own a home or have significant assets.
Owasso is located in Tornado Alley in Tulsa County, where Oklahoma averages 59 tornadoes per year. This extreme weather risk drives up insurance costs significantly. Oklahoma ranks as the second most expensive state for homeowners insurance, with premiums running 122% above the national average. The constant threat of tornado and hail damage forces insurers to charge higher rates.
Homeowners in Owasso pay an average of $3,160 per year for insurance, which is slightly below Oklahoma's state average of $3,531. Your actual cost depends on factors like your home's value, age, construction type, claims history, and chosen deductible. The median home value in Owasso is $313,483, so ensure your coverage matches the actual replacement cost of your home.
Yes, bundling your home and auto insurance with the same company typically saves you 10% to 25% on your premiums. For Owasso residents paying average rates, this could mean saving $500 or more annually. It also simplifies your insurance management by dealing with one company for both policies and potentially one agent for all your needs.
Market value is what your home would sell for today, while replacement cost is what it would actually cost to rebuild your home from the ground up. Insurance should cover replacement cost, not market value, because construction costs have risen significantly. If your home is worth $300,000 but would cost $400,000 to rebuild, you need $400,000 in coverage to avoid being underinsured.
Standard homeowners insurance typically covers tornado damage under your wind and hail coverage. However, many Oklahoma policies have separate, higher deductibles for wind and hail claims—often 1% to 5% of your dwelling coverage. Review your policy carefully to understand your deductible and ensure you can afford it if you need to file a tornado-related claim.
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