Gavop shows you how to buy homeowners insurance in Cotton County, OK by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $72,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $113,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $189,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $168,500 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $762 |
| Superior Protection Discount | -$92 | $826 |
| Fire & Security Discount | -$83 | $835 |
| Hail Resistant Roof Discount | -$28 | $891 |
| Newly Constructed Home Discount | -$257 | $661 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Cotton County | $700 | $907 | $1,607 | $659 | $1,359 | $248 |
| Cotton County, OK | $1,500 | $907 | $2,407 | $659 | $2,159 | $248 |
| Stephens County, OK | $2,500 | $1,210 | $3,710 | $879 | $3,379 | $331 |
| Tillman County, OK | $300 | $729 | $1,029 | $530 | $830 | $199 |
| Elgin, OK | $2,500 | $1,767 | $4,267 | $1,284 | $3,784 | $483 |
| Manitou, OK | $500 | $717 | $1,217 | $521 | $1,021 | $196 |
| Bray, OK | $2,000 | $1,321 | $3,321 | $960 | $2,960 | $361 |
| Marlow, OK | $300 | $1,005 | $1,305 | $730 | $1,030 | $275 |
| Windthorst, TX | $200 | $1,515 | $1,715 | $1,101 | $1,301 | $414 |
| Bellevue-Joy, TX | $2,000 | $1,552 | $3,552 | $1,128 | $3,128 | $424 |
| Home Insurance Company Cotton County, OK | Homeowners Insurance Agency Cotton County, OK | Address | Popularity Score | Distance from Cotton County (miles) |
|---|---|---|---|---|
| Farmers | Jamie Slate | 1214 N Highway 81 Ste 110, Duncan, OK, 73533 | 28.0 | |
| Farmers | Kerry Richard | 7615 Nw Cache Rd Ste 3, Lawton, OK, 73505 | 23.8 | |
| Farmers | Aaron Young | 7615 Nw Cache Rd Ste 3, Lawton, OK, 73505 | 23.8 | |
| Travelers | Floyds Insurance Agency Llc | 1306 Nw 53rd St, Lawton, OK, 73505 | 23.4 | |
| Farmers | Jeff Warren | 7615 Nw Cache Rd Ste 3, Lawton, OK, 73505 | 23.8 | |
| State Farm | Fred Cheek | 4404 Nw Cache Rd, Lawton, OK, 73505-3403 | 23.3 | |
| State Farm | Lee Sanger | 1616 W Gore Blvd, Lawton, OK, 73501-3611 | 22.0 | |
| State Farm | Terry Brown | 302 N Broadway St, Marlow, OK, 73055-2012 | 34.3 | |
| Farmers | Jack Carden | 707 Nw Sheridan Rd, Lawton, OK, 73505 | 22.7 | |
| State Farm | Johnnie Scheid | 6321 Nw Cache Rd Ste A, Lawton, OK, 73505-3319 | 23.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oklahoma | $125,800 | $1,489 | $1,000 | $2,130 | $1,130 |
| Cotton County, OK | $77,600 | $918 | $620 | $1,310 | $690 |
| Cotton County, OK | $77,600 | $918 | $670 | $1,310 | $640 |
| Stephens County, OK | $104,000 | $1,225 | $850 | $1,730 | $880 |
| Tillman County, OK | $54,100 | $738 | $530 | $1,050 | $520 |
| Elgin, OK | $167,700 | $1,788 | $1,200 | $2,540 | $1,340 |
| Manitou, OK | $38,400 | $726 | $500 | $1,040 | $540 |
| Bray, OK | $106,400 | $1,337 | $960 | $1,860 | $900 |
| Marlow, OK | $118,300 | $1,017 | $720 | $1,410 | $690 |
| Windthorst, TX | $103,000 | $1,533 | $1,010 | $2,360 | $1,350 |
| Bellevue-Joy, TX | $111,900 | $1,571 | $1,040 | $2,420 | $1,380 |