Protect your home. Your way of life.

Whether you are renting, buying a home, re-financing a home or simply want to explore options for better homeowners coverage, we’ve got you covered.

Home Insurance Tulsa

Your home is likely one of your most valuable assets. Damage from water, wind or fire typically requires thousands of dollars to repair.

Beyond nature… You may surprised to learn the average claim for Vandalism/Malicious Mischief in the Tulsa area is $27,477.

An uncovered loss could devastate your finances for years to come and cause significant interruption to your daily life.

Your homeowners policy provides a financial safety net should the unexpected occur and gives you peace of mind.

It’s important to select an agent that takes the time to get to know your specific needs and can recommend the best protection for your home, buildings, personal belongings, valuables and specialty assets.

Stop by our office to discuss insurance for your home.

Common Homeowner Claims

The following represents the most common claims homeowners make in Tulsa, Oklahoma, along with the average claim amount.

Homeowners Insurance Basics

Watch these short videos for a quick explanation of different types of property and liability protections.

Home Insurance Resources & Information

A storm caused some damage to our home, including a tree that fell to the ground. Will my homeowners insurance pay to have someone remove the tree from our yard?

If a tree falls in a windstorm or from the weight of snow or ice, and that fallen tree damages your home or other structures on your property, Allstate will pay for reasonable expenses to have the tree removed—up to your policy’s limit for this coverage. However, if your house or other structures were not damaged by the fallen tree, then the tree removal is not covered under your policy. Please note that windstorms are not covered in all states.

What is Reimbursement Extended Limits and how do I know if I have it?

Reimbursement Extended Limits extends coverage beyond the limit stated in your policy for your Dwelling and Other Structures coverages. In most states, this extra coverage is up to 120%. So for example, if you had a limit of $100,000 for your Dwelling Coverage, you could be reimbursed up to $120,000 for a covered loss. This coverage could come in handy if a large storm or situation in your area increases the demand for building supplies. If prices go up unexpectedly, the amount needed to repair or replace your home could also go up. If you have purchased this optional coverage, it will appear on your Allstate Policy Declarations next to Dwelling Protection.

My home is worth a lot more than the Dwelling Coverage limit shown on my coverage. Why is that?

The amount of coverage for your Dwelling is based on the amount it would cost to reconstruct the building from the ground up. It does not take into consideration the value of your land—which in some areas is a big part of the total value of your property.

I have some of my furniture and other belongings in a storage locker. Are these items covered under my Allstate homeowners policy?

In most cases, personal property you keep at a storage facility is covered property under your homeowners policy. Keep in mind that a deductible and an additional limit may apply.

Will my homeowners policy pay to replace a diamond if I lose it from its setting?

If you bought Scheduled Personal Property coverage, losing a piece of jewelry or part of it may be covered. This coverage can help protect customers who own expensive jewelry, watches, or furs. Limits vary by state. To review whether you have purchased this coverage, look for Scheduled Personal Property on your Allstate Policy Declarations.

I’m traveling to Europe this summer. Will my personal property coverage protect me if my wallet or luggage gets stolen?

Yes, as long as you take reasonable steps to secure your property, your wallet, luggage and other belongings are protected from theft anywhere you travel, up to the Personal Property limits of your policy. Just be sure to file a police report as you would at home and keep all documentation of the loss.

How can I save money on my homeowners insurance?

Allstate offers many discounts that can help you save on your insurance. For instance, you may qualify for a discount if your home has been renovated in the last 10 years; if you are 55 or older and not employed full-time; or if your home has smoke alarms, fire extinguishers or a security system. And, if you insure both your car and home or have auto and renters insurance with Allstate, you can save on both.

My neighbor just purchased flood insurance. Should I do the same?

Most homeowners insurance does not include flood insurance. Less than 50% of all flooding incidents are awarded a Federal Disaster Assistance declaration, and most disaster assistance is provided in the form of a loan that must be repaid with interest. That’s why it’s a good idea to consider buying this extra protection.

Learn more about your Allstate’s Homeowners Policy >

None of us like it when home insurance premiums go up… BUT there are a few reasons premiums increase.

Weather – Increasing occurrences of catastrophic weather (e.g., wind, hail, heavy snow and ice) has resulted in a rise in total claims paid out for damages

More Expensive Claims – Rising costs for home, auto and medical claims contributes to premiums

Government Regulations – Government regulations for insurance companies

History – Many factors go into premiums such as prior claims, types of claims

Insurance Score – Your insurance score is a snapshot of how safe or risky you are to insure, and it’s used by most insurance companies. Factors that affect your score include credit information, payment history, bankruptcy history, etc.

What You Can Do to Reduce Premiums

  • Consider the home type and age before buying. Newer homes generally cost less to insure
  • Increase security with deadbolt locks, smoke detectors, a security system or in-home sprinkler system
  • Ask about discounts, including Multiple Policy Discounts (combined with Auto, Life or other)
  • Tell us if you’ve completed renovations or had storm shutters installed
  • Change your deductible to a higher deductible

Talk to us about how we can help you >

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Kay Roseborough - Your Allstate AgentKAY ROSEBOROUGH
Tulsa Allstate Agent
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