Tulsa Insurance Group
5401 S Sheridan Rd, #105, Tulsa, OK 74145
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Tulsa households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5401 S Sheridan Rd, #105, Tulsa, OK 74145
View this agency's profile to learn more about their services.
5401 S Harvard Ave, Tulsa, OK 74135
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6140 S 104th E. Ave., Tulsa, OK 74133
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Learn about insurance coverage options specific to Tulsa residents.
Tulsa homeowners pay $3,735-$5,356/year for insurance due to tornado risk. Learn how roof type, safe rooms, and claims history affect your rate.
Home InsuranceTulsa home insurance averages $5,299/year due to tornadoes, hail, and flooding. Learn about wind deductibles, flood coverage, and how to save on premiums.
Home InsuranceAfter the 2019 Arkansas River floods, Tulsa residents need flood insurance. Learn about costs, levee risks, and how to protect your home.
Home InsuranceLearn how homeowners insurance covers tornado damage in Tulsa, OK. Discover SoonerSafe rebates up to $3,000 for safe rooms and essential protection tips.
Car InsuranceTulsa drivers pay $2,339/year for full coverage. Learn how hail, I-44 traffic affect rates, plus discounts that save 30%. Compare quotes and save today.
Car InsuranceTulsa auto insurance averages $2,339/year. Learn about Oklahoma's 25/50/25 minimums, tornado coverage needs, I-44 risks, and how to save on rates.
Tulsa sits in tornado alley with high exposure to tornadoes, hail, and severe wind events. FEMA ranks the Tulsa metro area as high-risk for these perils, and Oklahoma ranked fourth nationally for major hail events in 2024. When insurers pay out more in claims than they collect in premiums—as happened in Oklahoma in 2023—they raise rates to stay solvent. Geography drives the cost.
Oklahoma law requires insurers to offer discounts for tornado-resistant features like safe rooms, but each company determines its own discount structure based on actuarial data. You must ask your specific insurer whether they offer a safe room discount and how much you'll save. Some companies offer meaningful discounts while others may offer none at all, so it's worth shopping around if you have a safe room installed.
Your roof type can swing your annual premium by nearly $1,000. Tile roofs in Oklahoma average around $5,438 per year due to superior hail resistance, while shake roofs cost about $6,348 annually because they're more vulnerable to wind and impact damage. Impact-resistant roofs with UL Class 3 or 4 ratings typically qualify for discounts, and FORTIFIED-designated roofs can reduce both your premium and deductible.
Yes, standard homeowners policies often don't provide adequate coverage for historic properties. You'll want guaranteed replacement cost coverage that accounts for specialized materials and labor required to meet Tulsa Preservation Commission standards. Historic homes use difficult-to-replace materials like original tile work and custom millwork, and repairs must comply with preservation requirements, making restoration more expensive than standard construction.
Insurance claims typically remain on your record for 3-7 years depending on the insurer and claim type. In Oklahoma, claims history can increase your premium by up to 15% or about $1,171 annually. Multiple small claims hurt more than one large claim because insurers view frequent filers as higher risk. However, Oklahoma law prohibits insurers from specifically surcharging you for weather-related claims.
Tulsa homeowners pay between $3,735 and $5,356 annually depending on coverage levels, deductibles, home age, and other factors. This is nearly double the national average of around $2,500. Tulsa actually has some of the lowest rates in Oklahoma—cities like Oklahoma City often pay more—but costs are still high due to tornado and hail exposure across the entire state.
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