Home Insurance in Moore, OK
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Home Insurance for a Resilient City
The people of Moore, OK, know what it's like to be the victim of a dangerous storm. The Moore tornado of 2013 was violent and damaging, claiming lives and damaging vast amounts of property. However, the city is resilient and rallied as a community. Today, there are many activities around town for you to enjoy. The Yellow Rose Theater and Moore Warren Theater offer many different performances and are ideal for a date night.
Moore Climate
Residents in Moore get to experience the weather of all four seasons. Summers are hot and sometimes oppressive, winters are cold and snowy, and fall and spring offer a refreshing reprieve from the extreme temperatures. Unfortunately, Oklahoma has a high risk of experiencing tornadoes and other adverse weather from thunderstorms. These storms often bring about other damaging elements, such as straight-line winds and hail. Home insurance in Moore, OK, is essential to safeguard your home from these threats.
Crime in Moore
Violent and property crimes sometimes occur in Moore. Residents of Moore have a one in 500 chance of being a victim of a violent crime, while a property crime happens to one in 45 residents. This is lower than the state average but higher than some surrounding cities. The highest risk is theft, so having a home insurance plan to protect you if you become a victim is essential.
Home Insurance Rates
Residents of Moore can expect to pay an average of $4,666 yearly, more elevated than state and national averages. Rates are rising in Oklahoma, partly because of the increase in building supplies. Moore home values have increased by 3 percent in the last year. In addition, Oklahoma has a higher risk of natural disasters and extreme weather. With the high cost of home insurance in Moore, OK, using VIU by HUB to find the most reasonable rates can help dramatically lower your costs.
Factors Impacting Insurance Rates
In addition to your home's location and value, personal factors can also impact your rates, including:
- Credit score. Credit scores show lenders the risk of offering a policy to you, so a low score may mean a higher rate.
- Marital status. People who are married tend to have lower rates than single people.
- Claims history. If you file a lot of claims, it's going to raise your home insurance rates.
- Your deductible. You will likely have a higher rate if you have a low deductible.
These are just some of the personal factors that may influence your rate. Thankfully, you can lower your rate by bundling your home and auto, looking for discounts and assuring you are paying for the right amount of coverage.
What Home Insurance Covers
There are five general things that most home insurance in Moore, OK, will cover:
- The dwelling. This means the home itself and any other structures attached to it.
- Other structures. Things not attached to the home, such as a shed or pool house, are also covered.
- Personal property. This refers to the items inside your home, including furniture and appliances.
- Liability. Your policy will cover any associated costs if someone gets hurt on your property.
- Loss of use. If your home becomes unlivable, your policy will cover alternative living costs.
Always double-check your policy to know what you are covered for.
Home insurance in Moore, OK, is one of the best ways to protect your home and belongings. Using VIU by HUB can help you compare rates to find the best one for your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.