Cheap Homeowners Insurance Durant Oklahoma - [Mom Prepared] (2025)

As a wife and mother of four children in Durant, Oklahoma, finding affordable homeowners insurance is a top priority for me. With a busy household and children of various driving ages, it’s important to have comprehensive coverage that protects our home, belongings, and vehicles. In this article, I will compare five national insurance carriers in detail, discussing their average annual insurance premium costs. I will also explore the importance of having adequate coverage when living with adults and children, and highlight eight sometimes forgotten issues when it comes to auto insurance.

When it comes to finding cheap homeowners insurance in Durant, Oklahoma, it’s essential to shop around and compare rates from multiple insurance carriers. In my research, I found that State Farm, Allstate, Farmers, Progressive, and Geico are popular choices for homeowners insurance in the area. Each of these carriers offers different coverage options and discounts, so it’s important to consider your specific needs and budget when choosing a policy.

State Farm is known for its excellent customer service and comprehensive coverage options. The average annual premium for homeowners insurance with State Farm in Durant is around $1,200. Allstate is another popular choice, with an average annual premium of $1,300. Farmers offers competitive rates, with an average annual premium of $1,150. Progressive and Geico are also good options, with average annual premiums of $1,250 and $1,100, respectively.

When living with adults and children, having adequate homeowners insurance is crucial to protect your family and belongings in case of unexpected events. With children of various driving ages, it’s important to consider adding extra liability coverage to your policy to protect against accidents on the road. Additionally, having comprehensive coverage for your home can provide peace of mind knowing that you are financially protected in the event of a fire, theft, or natural disaster.

In addition to the standard coverage options offered by insurance carriers, there are eight sometimes forgotten issues to consider when it comes to homeowners insurance. These include:

1. Replacement Cost Coverage: Make sure your policy includes replacement cost coverage for your home and belongings, rather than actual cash value coverage, which may not provide enough funds to replace your items at current market prices.

2. Water Damage Coverage: Check if your policy includes coverage for water damage from sources such as burst pipes, flooding, or sewer backups, as this type of damage is not always covered by standard policies.

3. Personal Property Coverage: Ensure that your policy provides adequate coverage for your personal belongings, such as furniture, electronics, and clothing, in case of theft or damage.

4. Liability Coverage: Consider adding umbrella liability coverage to your policy to protect against lawsuits and claims that exceed the limits of your standard homeowners insurance.

5. Additional Living Expenses Coverage: Make sure your policy includes coverage for additional living expenses if you are forced to temporarily relocate due to damage to your home.

6. Earthquake and Flood Insurance: Depending on where you live, you may need to purchase separate earthquake or flood insurance policies to protect against these specific risks.

7. Home Business Coverage: If you run a business from your home, consider adding coverage for your business equipment and liability to your homeowners insurance policy.

8. Discounts and Savings: Ask your insurance carrier about available discounts for bundling your homeowners and auto insurance, installing security devices in your home, or having a good claims history.

In conclusion, finding cheap homeowners insurance in Durant, Oklahoma is essential for families with children of various driving ages. By comparing rates from different insurance carriers and considering the unique needs of your household, you can find a policy that provides adequate coverage at an affordable price. Additionally, it’s important to be aware of sometimes forgotten issues when it comes to homeowners insurance and to make sure your policy includes the necessary coverage to protect your family and belongings.