#1 Rated Insurance Agency in Tulsa, OK

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Owning a home in Tulsa, Oklahoma? G&G is your trusted partner in saving you time, frustration, and money on your home insurance. We take the initiative to search among the nation's leading insurance providers, ensuring that you receive the finest home insurance coverage at the most competitive rates, all tailored to meet your individual requirements and budget.

Discover how G&G Independent Insurance can simplify and enhance your home insurance experience in Tulsa!

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We save our clients $497 each year on average!

Living in Tulsa, OK

Living in Tulsa, OK offers a unique blend of vibrant city life and natural beauty. The city boasts a rich cultural scene with numerous art galleries, museums, and music venues.

Residents can enjoy outdoor activities in the nearby parks and explore the scenic landscapes. Tulsa's affordable cost of living, friendly community, and growing job market make it an attractive place to call home. The city's thriving food scene, festivals, and diverse neighborhoods contribute to a fulfilling lifestyle in Tulsa, Oklahoma.

What is Home Insurance?

Home insurance is a policy that protects your home from various forms of damage. But if you’re in the market for home insurance, you know it’s a little bit more complex than that. Policies can be overwhelming to understand, and comparing insurance coverage and insurance rates can easily set your head spinning.

Not only can homeowners insurance cover the actual structure of your house, but in many policies, it will also cover belongings in your home, and unattached structures on your property. In some cases, homeowners insurance will cover you for lawsuits or temporary living costs.

What Our Customers Say

Mica Schuler
a month ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...
Jody Haley
3 months ago
Diego at G&G was the best! This was my first time shopping for homeowners insurance and he took the time to explain everything to me....
Chris Jones
5 months ago
My experience with G&G has been phenomenal. I chose them based on the positive reviews and I'm so glad I did. Diego was very professional,...

What Does Home Insurance in Tulsa, OK Cover?

Each home insurance policy is different, but in general, most homeowners insurance policies cover your house, belongings and unattached structures. These are covered in case of damage from: 

  • Windstorms/Hail
  • Lightning
  • Explosions
  • Tornadoes
  • Theft and Vandalism
  • Falling objects
  • Water damage (not including floods)
  • Crashes
  • Fire and smoke
  • The weight of ice, snow, or sleet

What Are The Common Coverage Options You Typically See On A Home Insurance In Tulsa, Ok??


This is the portion of your policy that covers the physical structure (main house) in case it gets damaged by a covered hazard. The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures

This covers any structure on your property that is separated from your house, like fences, driveways, sidewalks, and detached buildings like sheds and garages. This coverage is usually 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property

This type of coverage helps pay for repairs or replacement of all your personal belongings after a covered loss, such as fire or theft. Examples of personal belongings are clothing, furniture and electronics. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use

This is also known as Additional Living Expenses (ALE) insurance. This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable while it is being repaired or rebuilt.

Medical Expense

This helps cover the medical expenses of guests who are accidentally injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability

Personal Liability Coverage helps cover medical expenses, legal fees and other expenses in cases where someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property

There are some situations where you might want special insurance coverage for valuables, or collectibles like watches, jewelry, firearms, stamp or coin collection, art and antiques, expensive cameras, musical instruments, etc. This is because even though you already have personal property coverage, it might not be enough to cover the value of the special items mentioned above. You will need to provide an appraisal from a professional to appraise the value of your items.

What are the Essential Home Insurance Coverages you should consider adding to your home insurance policy?

Weather in Tulsa, Oklahoma can be quite a challenge at times. That is why we recommend adding the following coverages to your home policy. It’s better to be safe than sorry when it comes to getting a policy that will best protect you and your home in the case of an emergency. 

Extended Dwelling Coverage– This is an extra layer of protection on top of your policy coverage. What this means is your insurance provider will replace or rebuild your property even if the damages are more than what your policy covers. 

Flood Insurance - Most home insurance policies do not cover flood insurance. Whether you are in a high flood risk area or not, we recommend adding a flood insurance policy. It is one of the most common insurance claims.

Earthquake Coverage – If earthquakes are common in the area, some home insurance policies will include earthquake coverage. Don’t be afraid to ask and see if you are already covered for earthquakes. 

What is the Average Cost of Home Insurance in Tulsa, OK?

According to Bankrate.com, the average cost of home insurance in Oklahoma is $3,316 per year, or $276 per month. 

How Can an Independent Agent Help Me Find the Best Home Insurance Coverage in Tulsa,OK?

If you’re looking for home insurance, you’ve come to the right place. With our catalog of 50+ insurance providers throughout Tulsa, G&G Independent Insurance is committed to helping you find the best home insurance coverage at a price that works for you. Our system is quick, and easy, and allows you to instantly compare rates that cover your needs. 

We’ll make sure you find a home insurance policy that gives you peace of mind in no time. Protect your house. After all, there’s no place like home. Call us or request a quote online!