Your house is more than walls and a roof, it’s where Oklahomans celebrate milestones, weather storms, and build memories. Shield it all with homeowners insurance Oklahoma families trust, backed by local OKFB agents who understand the unique risks faced by homes across our state.
How Much Home Owners Insurance Do I Need?
At OKFB, we build homeowners insurance to be your smart shield against life’s surprises. We protect your home, your belongings, and your finances with coverage tailored to you. Our OKFB agents start by understanding your home’s true rebuilding cost and what your valuable items are worth.
We also ensure your liability coverage matches your financial security. This means a policy that truly safeguards your home and your future, with claims teams ready to help when you need us most.
Homeowners Insurance Coverage Options And Features
Dwelling Insurance
Dwelling Coverage (or Coverage A), is a crucial component of homeowners insurance that protects the physical structure of your primary residence and any attached structures like garages, patios, and decks.
Other Structures
Other structures (or Coverage B), is a part of homeowners insurance that protects buildings on your property that are not attached to your main dwelling. This typically includes structures like detached garages, sheds, fences, gazebos, and guest houses.
Additional Living Expense
Additional Living Expense coverage covers extra day-to-day costs, such as charges for temporary housing, incurred in the event that you and your family can’t live in your home due to a covered loss.
Personal Property Insurance
Personal Property insurance (or Coverage C) helps cover your personal belongings inside your home in the event of damages or theft. Talk with your OKFB agent if you have special items like firearms, furs or jewelry that may need additional coverage.
Personal Liability Insurance
Personal liability insurance protects you and your family financially from claims of bodily injury or property damage for which you or members of your household are legally responsible.
Medical Payments To Others
Medical Payments To Others insurance can cover limited medical payments to those who are injured while on your property, regardless of fault.
Fire Department Service Charge
Fire Department Service Charge coverage can cover a limited amount of expenses related to fire department services in fighting a fire on your property. Any of our knowledgeable OKFB agents can provide more information regarding additional coverage offerings.
INSURANCE CREDITS & DISCOUNTS
We offer a range of premium discounts to homeowners who qualify under the programs listed below.
New Home Discount
If your home is 10 years old or less, you may be eligible for a discount.
Auto Companion Discount
If you have an auto policy with OKFB, you may be eligible for a discount.
Burglary or Fire Alarm Discount
If you have an active burglar or fire alarm in your home, you may be eligible for a discount based on the type of alarm you have installed. Not sure what alarms are eligible? Contact an OKFB agent.
Approved Roof Discount
If you have a U.L. rated class 3 or 4 roof surfacing installed, you may be eligible for a discount. Check here for a list of approved* roof surfacing.
*Please note that list may not be comprehensive. Always check with an OKFB agent to see if your roof surfacing qualifies.
Claims-Free Discount
If you have had no insurance claims on your OKFB homeowners insurance policy for three years, you may become eligible for this discount.
