Home Insurance in Edmond, OK
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Home Insurance That Fits Your Needs
Edmond is a peaceful, relaxing part of the Oklahoma City metro. With just under 100,000 residents, there are multiple activities in and around Edmond. The Armstrong Auditorium hosts a variety of performances, including dance, theater and music. Edmond also offers many different parks and playgrounds to enjoy a picnic with your family. If you venture into Oklahoma City, you will find several unique opportunities, such as scavenger hunts and murder mysteries. Regardless of what activities you choose to indulge in, home insurance in Edmond, OK, will keep your home safe while you are at home and away.
Edmond Weather
Edmond experiences all four seasons, with hot and muggy summers and cold and snowy winters. The average temperature ranges from 30 to 94 degrees. Edmond can experience different types of adverse weather. Thunderstorms in the spring and early summer can sometimes bring strong straight-line winds, hail and occasionally, tornadoes. The winter can often bring about snow and ice storms. All of these storms have the potential to damage your home, and having comprehensive home insurance in Edmond, OK, is the best thing you can do to protect your home and belongings.
Crime in Edmond
Thankfully, Edmond's crime rates are relatively low compared to state averages. However, Edmond sees a higher average of property crimes than the rest of the state. A resident in Edmond has a one in 706 chance of being a victim of a violent crime but a one in 66 chance of experiencing a property crime. Home insurance can offer the coverage you need if you are the victim of robbery, burglary or theft.
Home Insurance Rates
The average home insurance rate for a $250k home is about $5,418 annually. This is higher than both state and national averages. One of the reasons for the higher insurance rate is that Edmond is close to Oklahoma City, and the city has a much higher crime rate when compared with national averages.
Lowering Home Insurance Rates
Thankfully, there are some things you can do to lower your home insurance in Edmond, OK. While some of the factors are outside of your control, there are things you can do, including:
- Maintain a good credit record
- Use VIU by HUB to compare rates from top competitors
- Raise your deductible
- Bundling your home and auto policies
- Make sure you have the proper limits on your policy
Other factors affecting your rate include your home's location, value and age.
Home Insurance Coverage
While you should always read over your policy to ensure you know what you are covered for, there are five general things that a homeowner's policy will cover:
- Dwelling: Your home's structure and any attached buildings, such as a garage.
- Other Structures: Structures not connected to the home, such as a shed or detached garage.
- Personal Property: The appliances, furniture and other items inside your home.
- Loss of Use: The cost of other living arrangements while your home is repaired or rebuilt.
- Liability and Medical Payments: Coverage if a third party sues you for an injury or damage while they were on your property.
Find the Home Insurance that Works for You
It is essential to have home insurance in Edmond, OK, that will protect you in case of peril. VIU by HUB can help you compare rates from top competitors to find the best policy for you.
This information is intended for general informational purposes only and is not intended to constitute legal advice.