The 3 Best Homeowners Insurance Companies in Oklahoma

State Farm offers Oklahoma residents flexible policy options, special features and outstanding claims management services, all at an affordable price.

The company provides basic coverage for nearly every type of dwelling, including single-family homes, condos, mobile homes, rentals, and farms or ranches. State Farm also ensures that you’re receiving the best possible price on this policy with its Discount Double Check feature, which automatically applies any eligible premium price break to your policy.

Besides your basic policy, you also have the option to include additional protections, such as losses incurred from earthquakes or identity theft.
In the event that you experience a loss and need to file a claim, you can remain confident knowing that State Farm has one of the largest claims networks in the world. Reporting a claim can be done either online, over the phone via State Farm’s 24-hour claims hotline, in person with a local agent, or by using the Pocket Agent mobile app.

The company also offers tools that can assist with the claims process: Its HomeIndex digital inventory tool, for example, allows you to keep a running catalog of your covered possessions and their worth, eliminating the guesswork when it comes time to file a claim. State Farm also offers a Simple Insights feature on its website that gives you advice and tips about maintaining your home, car, and protection for your family.

The company offers multiple discount opportunities, including those for bundling policies, installing security devices, obtaining a quote prior to your current policy expiration date, and opting for 100 percent replacement cost coverage.
If you like the idea of merging technology with your homeowners insurance, Liberty Mutual lets you get a policy quote via your Alexa device, which means your phone doesn’t have to be tied up during the quote process.

Liberty Mutual has an extensive affiliate network of over 14,000 partnered employers, organizations, and alumni associations throughout the nation and offers additional savings and benefits to any policyholders who are group members. Liberty Mutual also offers a “MasterThis” program on its website that helps empower you to build your skills as a homeowner. Lessons that are available include increasing your home value, tackling home repairs, and how to store and preserve your collectibles.

While many national homeowners insurance providers offer 24-hour phone claims support, Liberty Mutual takes it a step further by offering its customers 24-hour emergency repair services. The company can set you up with a vetted local contractor to carry out any repairs necessary to restore your home back to safety via its Contractor Network Referral Program. For your convenience, this service is available 365 days a year so you can always have peace of mind.

In business since 1928, Farmers Insurance has customizable policies with add-on coverage options such as Eco-Rebuild coverage, which offsets extra costs associated with rebuilding or renovating your home using certified green contents and materials. Farmers also offers programs such as its Contents Replacement Cost package, which replaces destroyed or damaged personal items with new versions following a covered loss. But you don’t have to get a one-size-fits-all policy. One of the advantages of having Farmers Insurance is that you can tailor the policy to your budget and your specific needs.

Farmers also offers multiple discount opportunities, such as those for nonsmokers and for policyholders who have made green efficiency renovations or recently replaced their roof.

Filing a claim with Farmers is a hassle-free process. The company offers phone services, an online form, and a handy Farmers Mobile App. Once filed, claims are assigned to specialists and can easily be tracked until their resolution using the online Claims Tracker tool. Farmers’ many commercial partnerships with contractor services and Oklahoma hotels can offer convenience and lower rates on repairs and temporary lodging should you require these services after a loss.