Norman Rubin Agency
2728 E County Line Rd, 2nd Fl, Ardmore, PA 19003
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Ardmore households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2728 E County Line Rd, 2nd Fl, Ardmore, PA 19003
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Ardmore residents.
Complete insurance guide for Ardmore, Oklahoma residents. Compare auto and home rates, understand coverage needs, and protect against severe weather risks.
Yes, tornado damage is covered under the wind coverage in your standard homeowners policy. This includes damage to your dwelling, other structures, and personal property caused by tornado winds. However, you may have a separate wind/hail deductible that's higher than your standard deductible, often 1-5% of your dwelling coverage amount.
While not legally required unless mandated by your mortgage lender, flood insurance is highly recommended if you live near Lake Murray. Standard home insurance doesn't cover flood damage, and the area has experienced flooding that closed roads near the Lake Murray Spillway. You can purchase flood insurance through the National Flood Insurance Program even if you're not in a high-risk zone.
Ardmore's home insurance averages $101-$138 monthly compared to Oklahoma's state average of $517 per month, primarily due to local risk factors and home values. While Ardmore faces tornado and severe weather risks, the overall claim frequency and severity in Carter County result in lower premiums than higher-risk areas of Oklahoma. Individual rates vary based on your specific home, location, and coverage choices.
Most Oklahoma policies have wind/hail deductibles ranging from 1-5% of your dwelling coverage. For a $200,000 home, that's $2,000 to $10,000 out of pocket per storm event. Choose based on your emergency savings and risk tolerance—a lower deductible costs more monthly but reduces your out-of-pocket expense when hail damage occurs, which happens frequently in Carter County.
Typically, no. Standard homeowners policies in Oklahoma generally exclude damage caused by earth movement, settling, or cracking due to drought conditions. Carter County has experienced extreme and exceptional drought levels that can cause foundation issues. You may need specific endorsements or preventive maintenance to protect against drought-related foundation damage.
Review your policy annually, especially after making home improvements or when replacement costs change significantly. Oklahoma's rising material and labor costs mean your dwelling coverage from three years ago might not rebuild your home today. Also reassess coverage after major weather events in the area, as these can affect both rates and coverage availability.
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