Expertise.com Homepage
Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in Tulsa, OK

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tulsa homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

238Reviewed

150Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Tulsa
621 N Cherokee Ave, Claremore, OK 74017

Expertise.com Rating

Review Sources

Google
4.9 (34)
Yelp
5.0 (1)

Why choose this provider?

RCI Insurance Group is a Tulsa, Oklahoma-based agency assisting customers throughout the entire metro area. It sells home insurance policies and educates clients about the benefits of coverage options such as insurance for personal items or liability for injured third parties and adamantly promotes additional coverage areas including damage from sewage backup or falling trees, which are a part of standard packages. Other personal insurance practice areas include auto and recreational insurance. RCI Insurance Group primarily serves commercial clients.

  • Flood
  • Multiple Carriers
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Tulsa
4700 South Garnett Road, Suite 200, Tulsa, OK 74146

Expertise.com Rating

Review Sources

Google
4.6 (22)

Why choose this provider?

Rooney Insurance has been serving private individuals and businesses in Tulsa and the surrounding areas since 1960. Its team of agents furnishes homeowners' insurance products, which protect policyholders from financial losses when a natural disaster, fire, or theft hits their properties. Whether the potential client is a first-time homeowner, owns multiple properties, or has a high-value home, Rooney Insurance offers solutions responsive to their specifications and risks.

  • High Value Home Specialist
  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
1825 S Garnett Rd, Tulsa, OK 74128

Expertise.com Rating

Review Sources

Google
4.8 (916)

Why choose this provider?

Best Insurance has been serving customers in Tulsa, Oklahoma, for more than a decade. It offers a full suite of insurance services, including homeowners insurance policies. The company works with a variety of carriers to provide affordable insurance solutions to its customers and protect them in the event of a natural disaster, fire, vandalism, or theft. Its policies cover the cost of repairs should structural damage occur, as well as the cost of replacing the contents of the home.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Best Homeowners Insurance Agencies Serving Tulsa
7992 South Sheridan Road, Tulsa, OK 74133
Visit WebsiteLicense: 40164061

Expertise.com Rating

Review Sources

Google
4.0 (45)
Yelp
2.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Bobby Williamson is a home insurance agent that has been servicing Tulsa and the surrounding parts of Oklahoma. He is affiliated with State Farm, and also provides auto, life, and business insurance with his team of multi-line representatives. Bobby was a US Navy Rescue Swimmer Veteran before he became an insurance professional in 2012. He is a lifelong resident of Oklahoma, so he is more knowledgeable and familiar with relevant homeowners' regulations. Bobby and his team provide 24/7 availability, believing in building friendships with clients.

  • Homeowners

Best Homeowners Insurance Agencies Serving Tulsa
5407 S Lewis Ave # 100, Tulsa, OK 74105

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
4.5 (11)

Why choose this provider?

KT Williams Insurance Group is an independent home insurance agency serving the community of Tulsa, Ohio. The company maintains relationships with more than 15 major insurance providers to offer its clients a wide variety of options and policies to fit their unique needs. It sells homeowners and renters insurance for residences, condos, and mobile homes to cover damage to the home, stolen possessions, and personal and visitors' liability. KT Williams also provides boat and umbrella insurance.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
4444 East 66th Street, Tulsa, OK 74136
Visit WebsiteLicense: 98761

Expertise.com Rating

Review Sources

Google
4.0 (26)

Why choose this provider?

Jimmie A Neely Insurance Agency is a family-owned and operated insurance agency in Tulsa that extends financial services to residential, commercial, and industrial clients. The business has been providing quality insurance for 65 years. It specializes in automobile and motorcycle insurance, as well as coverage for homeowners. Full protection to possessions is provided to clients through renter insurance. Being an independent agency also allows it to work with several insurance companies, including Safeco, Metlife, and Encompass.

  • Homeowners

Best Homeowners Insurance Agencies Serving Tulsa
804 E Taft Ave Ste G, Sapulpa, OK 74066

Expertise.com Rating

Review Sources

Google
4.9 (17)
Yelp
1.0 (1)

Why choose this provider?

Bayouth Insurance Agency Inc. is an insurance brokerage located in Sapulpa, Oklahoma. The company works with Harbor Insurance, Progressive, and dozens of other insurance carriers to provide clients with traditional and mobile homes with packaged insurance plans. Policies cover damage to the property and the client's legal responsibility for any injuries sustained on the premises. Bayouth also offers car and recreational vehicle insurance. Discounts are available for clients with fire-resistant homes and security systems.

  • Earthquake
  • Flood
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Tulsa
11051 South Memorial Drive, Tulsa, OK 74133
Visit WebsiteLicense: 81697

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
5.0 (4)

Why choose this provider?

Scoggin Insurance, LLC, is a locally owned and operated home insurance provider that has been operating for over 10 years and serving the Tulsa community. Its agents offer homeowners', condo, and renter's insurance policies. They also work in collaboration with several carriers to find the coverage that can best protect their clients against disasters and losses. Additionally, the team provides other personal and commercial lines of insurance products and services.

  • Renter's Insurance
  • Condos
  • Homeowners

Best Homeowners Insurance Agencies Serving Tulsa
16 E Broadway St, Sand Springs, OK 74063

Expertise.com Rating

Review Sources

Google
4.9 (10)

Why choose this provider?

Son Country Insurance Inc. is an independent insurance agency with offices in Sand Springs, Oklahoma, that sells home insurance in the Tulsa metropolitan area. Founded in 1983, Son Country Insurance provides homeowners with protection for the structures on their property and personal belongins against damage from fire, theft, storms, and other disasters. The agency additionally provides a wide range of products that include auto, life, and health insurance.

  • Renter's Insurance
  • Flood
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Tulsa
9717 East 42nd Street, Tulsa, OK 74146
Visit WebsiteLicense: 100101312

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (6)

Why choose this provider?

Bracken Insurance Agency is a full-service independent insurance firm that serves the Tulsa metro area and surrounding communities. The company helps individuals and families acquire adequate protection for their homes, belongings, and loved ones with a homeowners insurance policy. Its insurance agents represent different providers and help clients choose the right policy akin to their needs. Some of the coverages they offer include property coverage, personal property, liability, medical protection, and living expenses. They also provide renters, condos, flood, and earthquake insurance.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Tulsa
5555 E. 71st St., Ste. 8140, Tulsa, OK 74136

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (5)

Why choose this provider?

Murphy & Associates is an independent insurance agency based in Tulsa. The family-owned business offers homeowners' insurance and other personal lines of insurance from a variety of carriers. Its policies include coverages for property, personal belongings, liability, medical expenses, and living expenses. It also provides commercial insurance programs for the transportation, construction, oil and gas, and retail industries. Murphy & Associates is affiliated with Cross Pointe Insurance Advisors, LLC, one of the oldest and largest insurance agencies in Arkansas.

  • Renter's Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
402 N Broadway, Coweta, OK 74429

Expertise.com Rating

Review Sources

Facebook
4.8 (21)
Google
4.4 (19)

Why choose this provider?

Freedom Insurance Group is located in Coweta, Oklahoma, and has served the Tulsa metropolitan area since 2018. As an independent insurance agency, the company represents more than 20 carriers to help find the correct homeowners coverage and price points for each customer. Inspired by the free-market principles of the American economy, Freedom Insurance Group believes in giving power back to its customers by offering freedom of choice when it comes to selecting homeowners insurance coverage.

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Tulsa
5272 South Lewis Avenue, Tulsa, OK 74105
Visit WebsiteLicense: 10014122

Expertise.com Rating

Review Sources

Google
4.0 (32)
Facebook
5.0 (2)

Why choose this provider?

Foursquare Insurance - Oklahoma is an insurance provider serving the people of Tulsa and the surrounding communities. In business since 2011, the independent firm offers a wide range of insurance coverages, including homeowners insurance. Its team of professional agents has the experience and network to help families avail themselves of insurance solutions that will keep their residential property covered from unexpected events. In addition to homeowners insurance, Foursquare Insurance - Oklahoma can also help clients obtain auto, umbrella, life, and commercial insurance.

  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
1635 S Harvard Ave, Tulsa, OK 74112

Expertise.com Rating

Review Sources

Google
4.3 (141)

Why choose this provider?

At A-Affordable Insurance in Tulsa, Oklahoma, agents strive to create personalized home insurance policies that suit each customer's needs. The company has been in business for more than two decades and offers a full scope of insurance products. Its homeowners policies are provided by partners such as Progressive, Bristol West, and Trades, and cover the cost of home repairs and replacement of belongings stored inside the home in the event of a fire, natural disaster, theft, or vandalism.

  • Renter's Insurance
  • Earthquake
  • Fire

Best Homeowners Insurance Agencies Serving Tulsa
4864 South Yale Avenue, Tulsa, OK 74135
Visit WebsiteLicense: 21544

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (1)

Why choose this provider?

Carl Novara Agency is an insurance agency based in Tulsa that offers a full coverage homeowners insurance policy for the replacement of structures, roofs, and personal articles. Carl Novara is an insurance agent who provides his clients with a variety of homeowners insurance options to choose from, conducts regular insurance policy reviews and proposals, and provides detailed information about coverages and insurance deductibles. The agency also offers other services such as life, pet, auto, commercial, and specialty insurance.

  • Homeowners

Best Homeowners Insurance Agencies Serving Tulsa
3200 S Elm Pl Ste 103, Broken Arrow, OK 74012

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

HBI Insurance has been connecting clients throughout the greater Tulsa, Oklahoma, area with the right homeowners insurance since 2016. Owner Heidi Brown has more than 20 years of insurance experience and works with clients on an individualized basis. She starts by assessing each client's needs to determine what homeowners insurance options, such as property damage, liability, vandalism, and theft coverage, is best for them. She also helps clients secure specialty insurance solutions, including flood and earthquake insurance.

  • Earthquake
  • Flood
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Tulsa
6666 S Sheridan, Ste 220, Tulsa, OK 74133

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (6)

Why choose this provider?

Sawyer-Phillips Insurance is an agency that offers homeowners' insurance in Tulsa and the nearby metros. The policy protects older homes, condominiums, and rental properties, as well as the renter's personal belongings. Sawyer-Phillips Insurance is a merger between the insurance agencies of John Sawyer and Wes Phillips who brings together more than 70 years of industry experience. It also offers insurance products covering business owners policy and workers' compensation. Some of its insurance carriers include The Hartford, Safeco Insurance, Travelers, and Mercury Insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
9500 N 129th East Ave Ste 128, Owasso, OK 74055

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

St. John Insurance, located in Owasso, Oklahoma, is a Trusted Choice independent insurance agency that provides home insurance throughout the Tulsa metro area. With over 30 years of experience, the agency provides homeowners with protection from liability as well as coverage for damage or destruction of their home, including special policies to protect against floods. St. John's Insurance is accredited by the Better Business Bureau and a member of the Owasso Chamber of Commerce and Tulsa Regional Chamber.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Tulsa
8287 S Memorial Dr, Tulsa, OK 74133
Visit WebsiteLicense: 40111116

Expertise.com Rating

Why choose this provider?

Daniel Parker is an insurance professional affiliated with State Farm. He caters to individuals, families, and businesses in Tulsa and the surrounding areas. He offers homeowners' insurance policies, which cover personal belongings such as appliances, collectibles, electronics, furniture, and jewelry. He also provides auto, health, life, pet, and renters' insurance plans. Parker brings over 25 years of experience in the financial and insurance industries. He is a member of the Million Dollar Round Table and the National Association of Insurance and Financial Advisors.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Tulsa
3226 East 15th Street, Tulsa, OK 74104
Visit WebsiteLicense: 3001000796

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Kerry Engelson is an insurance agent at Shelter Insurance, a full-service independent insurance company that serves clients in Tulsa and surrounding communities. Engelson protects individuals, families, and their homes against disasters and unforeseen events with a homeowners insurance policy. Some of the coverages she offers include dwelling and other structures, personal property, additional living expenses, medical payments, as well as family and personal liability. She also represents companies that can provide insurance policies for condo owners, renters, and apartment owners.

  • Renter's Insurance
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
RCI Insurance Group
621 N Cherokee Ave, Claremore, OK 74017
Rooney Insurance Agency, Inc.
4700 South Garnett Road, Suite 200, Tulsa, OK 74146
Best Insurance
1825 S Garnett Rd, Tulsa, OK 74128
Bobby Williamson
7992 South Sheridan Road, Tulsa, OK 74133
KT Williams Insurance Group
5407 S Lewis Ave # 100, Tulsa, OK 74105
Jimmie A Neely Insurance Agency
4444 East 66th Street, Tulsa, OK 74136
Bayouth Insurance Agency Inc
804 E Taft Ave Ste G, Sapulpa, OK 74066
Scoggins Insurance LLC
11051 South Memorial Drive, Tulsa, OK 74133
Son Country Insurance Inc
16 E Broadway St, Sand Springs, OK 74063
Bracken Insurance Agency
9717 East 42nd Street, Tulsa, OK 74146
Murphy & Associates
5555 E. 71st St., Ste. 8140, Tulsa, OK 74136
Freedom Insurance Group
402 N Broadway, Coweta, OK 74429
Foursquare Insurance - Oklahoma
5272 South Lewis Avenue, Tulsa, OK 74105
A Affordable Insurance Agency
1635 S Harvard Ave, Tulsa, OK 74112
Carl Novara Agency
4864 South Yale Avenue, Tulsa, OK 74135
HBI Insurance
3200 S Elm Pl Ste 103, Broken Arrow, OK 74012
Sawyer-Phillips Insurance
6666 S Sheridan, Ste 220, Tulsa, OK 74133
St. John Insurance
9500 N 129th East Ave Ste 128, Owasso, OK 74055
Daniel Parker
8287 S Memorial Dr, Tulsa, OK 74133
Kerry Engelson
3226 East 15th Street, Tulsa, OK 74104

Tulsa, OK Homeowners Insurance Agency FAQs

  • What is the average cost of homeowners’ insurance in Tulsa?

    The average cost of homeowners’ insurance in Tulsa is $260 per month. It is much higher than the national average of $158 per month. The reason for this is the increased risk of extreme weather conditions such as tornadoes, hail, and floods. Properties in regions with a history of natural disasters are at a higher risk of damage, and insurers adjust their rates accordingly.

  • Which optional coverages are available for inclusion in homeowners' insurance policies in Tulsa?

    The optional coverages that Tulsa residents may want to include in their standard homeowners’ insurance include flood insurance. Given Tulsa's weather patterns and occasional heavy rainfall, flood insurance could be an important addition. Similarly, earthquake coverage might be relevant, as certain regions in Oklahoma are prone to earthquakes.

  • What questions Tulsa residents should ask insurance agents when they purchase homeowners’ insurance?

    Tulsa homeowners should inquire with their agents regarding the expenses associated with reconstructing their homes and replacing their possessions in the event of damage or destruction. Additionally, they ought to seek information about potential discounts related to multi-policy coverage, security systems, and fire resistance. Equally important is making inquiries about the process for filing and settling an insurance claim.

  • What discounts on premiums do Tulsa home insurance providers offer if homeowners install home security systems?

    Typically, discounts of no less than 5% on premiums can be obtained by Tulsa homeowners for having a smoke detector, burglar alarm, or deadbolt lock. In certain cases, some home insurance providers may reduce premiums by up to 15% or 20%, provided homeowners install an interior sprinkler system along with a fire and burglar alarm that has the capability to alert the police, fire department, or monitoring stations.

  • What factors might lead to the rejection of a home insurance claim in Tulsa?

    The reasons for the denial of a homeowners’ insurance claim in Tulsa include damage that is under the policyholder’s deductible amount. Another basis for denial arises from perils not covered, as standard homeowners' insurance policies cover a limited number of perils. Additionally, the maintenance needed to keep homes habitable is not within the scope of any homeowners' insurance policy.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2025

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....