[hatemiami1170]

im in fla due to hurrricanes obviously the rate is high around 2500 to4500 a yr what is the avg in oklahoma due too tornadoes?

[peggydavis]

Not that high! We have high rates because of hail, but you can get insurance for about $1500 on a $150K (an average) house.

[colleeng47]

Originally Posted by hatemiami1170

im in fla due to hurrricanes obviously the rate is high around 2500 to4500 a yr what is the avg in oklahoma due too tornadoes?

we just bought a house in mustang, and our insurance quote was around $800 a year on a $140,000 house.

[karibear]

Originally Posted by colleeng47

we just bought a house in mustang, and our insurance quote was around $800 a year on a $140,000 house.

That's less than the quote I got for a house that costs considerably less. It depends much more on where you are - how far from fire departments and hydrants - than what your house is worth.

[peggydavis]

I was paying about $800 per year on a $60,000 house, and I was a quarter mile from the fire station. It was a volunteer fire department though. I make sure I have coverage for ice damage.

[colleeng47]

Originally Posted by peggydavis

I was paying about $800 per year on a $60,000 house, and I was a quarter mile from the fire station. It was a volunteer fire department though. I make sure I have coverage for ice damage.

thanks peggy, i forgot about the ice coverage. i'll have to check my quote to see if that's included

[2poor2care]

I just got My American National bill 10/25/2010 and it went from 992.00 to 1561.00 in 1 year, no claims 1000.00 deduct and 139,000 coverage on dwelling. I pray not all of the insurances are pulling this crap. I'm looking for lower rates hope I'm successful. People on American National hang on to your hats because they are out to break us.

[briansgi]

I'm with ANPAC and have 2 houses insured:
One house in Stillwater is $532/year, home value $170K
Grand Lake house is $1510/year, home valued at $750K

Both with full replacement policies.

[windowphobe]

I suspect a lot of rates are going up this year, what with the rather unfortunate weather this spring. I'm paying $1200 a year for a $115k house in OKC. (Then again, I had to get a new roof this past year, no thanks to the heaviest hailstorm in several decades; I suspect everyone with the same carrier saw at least a slight increase.)

[tookey]

I am just glad I am out of the homeowners game. When I bought my house in 2002 no one bothered to tell me that the Insurance was going to go up every single year. I had Farmers and had no claims they only paid a pittance for a roof after that big hailstorm we had. The thing the rocked my boat was that a Farmers employee lived across the street from me, company car and all and every year after my premiums went up she got something new done to her house. I am thinking that maybe the agents and employees get some hefty bonuses on our dime. Enough of my rant I am just glad I am done with that now.