Oklahoma Fair Plan Insurance Alternative

There is no state of Oklahoma run pool like FAIR Plan for homeowners who have filed claims. In Oklahoma the only option aside from lender placed or force placed coverage is the private market. It is better to acquire a policy from the private market anyhow but most consumers, and even agents are shocked to learn that there is no FAIR plan offered. Fair Plan Home Insurance Alternative is the resource that consumers in Oklahoma have been missing to find the coverage they need to protect their largest investment.

If you asked the average person across the country which state has had the most severe weather in recent years, aside from maybe New Jersey due to hurricane Sandy, the overwhelming majority would say that it is Oklahoma. Ranging from the often freezing temperatures in the winter to the steamy temps in the summer, the weather in Oklahoma makes it a fairly unique state. Since 2010, there have been almost 50 weather events deemed “Historical” by the NOAA including multiple EF-5 touchdowns (https://www.srh.noaa.gov/oun/?n=events).

Even without the risk of weather events, the cold temperatures cause water losses not to mention all of the other unrelated types of claims such as theft. It is not surprising that many consumers have fallen into the category of high risk home insurance.

As with all FAIR Plans, consumers are urged to try to find coverage in the private market and we can help you find an agent that can help you find alternatives to the FAIR Plan.