Mobile home insurance rates in Oklahoma have shown more stability than the rates of site built homes over the last 4 years.  Mobile home rates have certainly increased over the last several years; however, the increases have been much less dramatic than those of site built homes.

Part of the reason for this may be due to the fact that many mobile homes in Oklahoma are on acreages in rural areas.  When a hail storm hits these areas, an insurer may get 5 or 10 claims from customers that have been impacted.  When that same hail storm rolls through Oklahoma City or Tulsa, that same insurer ends up with 500 to 1000 claims.  In other words, the geographical diversity of mobile homes in Oklahoma allows the insurance company to “spread” their risk and be less prone to the widespread damage that has pounded the metropolitan areas of Oklahoma the past 4 or 5 years.

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