Gavop shows you how to buy homeowners insurance in Alva, 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 | $47,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $116,500 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $87,000 | $80,000 | $50,000-$75,000 |
| 4 Bedroom | $216,500 | $180,000 | $250,000-$300,000 |
| 5 Bedroom | $336,500 | $300,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $759 |
| Superior Protection Discount | -$88 | $794 |
| Fire & Security Discount | -$88 | $794 |
| Hail Resistant Roof Discount | -$18 | $865 |
| Newly Constructed Home Discount | -$221 | $662 |
| 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 |
| Woods County | $2,500 | $862 | $3,362 | $626 | $3,126 | $236 |
| Alva, OK | $2,500 | $872 | $3,372 | $634 | $3,134 | $238 |
| Waynoka, OK | $100 | $881 | $981 | $640 | $740 | $241 |
| Freedom, OK | $700 | $1,072 | $1,772 | $779 | $1,479 | $293 |
| West Woods, OK | $400 | $1,249 | $1,649 | $908 | $1,308 | $341 |
| Alfalfa County, OK | $1,000 | $885 | $1,885 | $643 | $1,643 | $242 |
| Medicine Lodge, KS | $200 | $987 | $1,187 | $717 | $917 | $270 |
| Sharon, KS | $2,000 | $855 | $2,855 | $621 | $2,621 | $234 |
| Helena, OK | $300 | $1,114 | $1,414 | $810 | $1,110 | $305 |
| Chester, OK | $100 | $1,557 | $1,657 | $1,132 | $1,232 | $426 |
| Home Insurance Company Alva, OK | Homeowners Insurance Agency Alva, OK | Address | Popularity Score | Distance from Alva (miles) |
|---|---|---|---|---|
| State Farm | Kevin Cansler | 1015 Main St, Woodward, OK, 73801-3119 | 46.2 | |
| State Farm | Steph Eaton | 328 Oklahoma Blvd, Alva, OK, 73717-2846 | 7.2 | |
| Farmers | Wilinda Harmon | 302 E Broadway, Fairview, OK, 73737 | 44.2 | |
| State Farm | Gwaine Mathews | 1400 9th St, Woodward, OK, 73801-4606 | 46.3 | |
| Travelers | Ghentco Inc | 1533 Missouri, Waynoka, OK, 73860 | 20.7 | |
| Travelers | Benbrook Insurance Agency Inc | 901 Main, Woodward, OK, 73801 | 46.1 | |
| State Farm | Faith Zimmerman | 111 W Broadway, Fairview, OK, 73737-2009 | 44.1 | |
| Allstate | Aylward Ins Agency | Box 236, Fairview, OK, 73737 | 44.2 | |
| Allstate | Benbrook Ins Agcy | 901 Main St # 1267, Woodward, OK, 73801 | 46.1 | |
| Travelers | Figley-Salz & Company Inc | 1020 10th St, Woodward, OK, 73801 | 46.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Oklahoma | $125,800 | $1,489 | $1,060 | $2,040 | $980 |
| Woods County, OK | $93,100 | $872 | $590 | $1,200 | $610 |
| Alva, OK | $94,800 | $882 | $630 | $1,230 | $600 |
| Waynoka, OK | $55,600 | $892 | $650 | $1,240 | $590 |
| Freedom, OK | $76,700 | $1,085 | $790 | $1,490 | $700 |
| West Woods, OK | $97,500 | $1,264 | $870 | $1,810 | $940 |
| Alfalfa County, OK | $74,500 | $895 | $600 | $1,240 | $640 |
| Medicine Lodge, KS | $75,500 | $999 | $780 | $1,350 | $570 |
| Sharon, KS | $57,500 | $865 | $670 | $1,170 | $500 |
| Helena, OK | $81,600 | $1,128 | $770 | $1,610 | $840 |
| Chester, OK | $137,500 | $1,576 | $1,120 | $2,170 | $1,050 |