Home Insurance in Enid, OK
Give your family the peace of mind they deserve when you compare home insurance in Enid, OK.
A medium-sized city with a population of 50,566 people, Enid, OK, has 15 neighborhoods and is the ninth-largest community in the state. Some of the most sought-after neighborhoods include Enid Northwest, Jonah, Blanton, Enid West and the Waverly Historic District. The area is popular because it is home to two universities and its cost of living is 27.7% lower than the national average, making it very affordable.
The median cost of a home in Enid, OK, is $126,000. which is much more affordable than the national average of $394,300. Home appreciation is up 4.7% in the city, and houses in the area have a median age of 49. Remember, if you plan to buy a house, you often need insurance to secure a mortgage loan. Use VIU by HUB to compare prices from insurance agencies in Oklahoma to find a price that works for you.
The climate is an important factor when searching for home insurance in Enid, OK. The city is known as one of the hottest in the state during the summer and experiences mild winters. Enid gets about 34 inches of rain per year, which is just below the national average of 38 inches per year. It also gets about 11 inches of snow per year. Furthermore, since Enid is on the edge of the Great Plains, tornadoes are a possibility and should be covered in your policy.
Crime is another important factor. Violent crime is just under the national average of 22.7 and ranks at 22.2 on a scale of 1-100 (with 100 being high crime). Property crime is also higher and ranks at 55.2 compared to the national average of 35.4. In 2019 alone, there were more than 3,000 property crime reports. Because of the high property crime rate, people can expect to pay a bit more for home insurance in the city.
Homeowner's insurance covers a variety of circumstances. Naturally, one of those is reimbursing you when you need to repair or rebuild due to damage to the exterior or interior of your home. The damage can be due to tornadoes, fires, lightning, vandalism or a range of other situations. Keep in mind that you may need additional coverage if you want to protect yourself from floods or if your home is in poor maintenance. You may also need separate protection to cover freestanding structures like fences, garages or sheds.
Your policy usually covers furniture, appliances, clothing and other possessions that are in the home at the time of disaster. You can even purchase additional protection that allows you to file a claim if you lose jewelry or something else valuable while you're away from home. Keep in mind that you may need to purchase extra insurance for extremely high-value items or if you have "attractive nuisances" like pools or trampolines on your property.
Home insurance also covers personal liability protection in case you accidentally injure someone or damage someone's property. Many times, the policy provides this protection both on and off your premises. This coverage even protects you if one of your pets injures someone.
Finally, your insurance will likely provide you with money for a hotel or a rental property while you wait for repairs or rebuilds to happen on your property. Keep in mind that you'll have a strict budget to stick to unless you pay more for additional coverage.
Finding home insurance can feel overwhelming, but it doesn't need to be. Use VIU by HUB's easy comparison tool to find quotes from a variety of insurance providers and choose the home insurance in Enid, OK, that best meets your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
