Stillwater has 49,269 residents in 19,654 households. We list 4 agencies for landlord insurance in Stillwater. Here is what the local numbers say about the cover people here need.

Stillwater at a glance

4landlord insurance agencies listed
62.9%of households rentRenters insurance
$237,200median home valueHome insurance
1984median year homes were builtRebuild cost calculator
6.8%of households have no carAuto insurance
4.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Payne County

FEMA rates the overall natural hazard risk in Payne County, where most Stillwater agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Stillwater
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Stillwater

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Oklahoma

Oklahoma requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Stillwater How much liability cover do you need?

Source: oid.ok.gov. Checked 2026-10-24.

Where Stillwater agencies are

Stillwater agencies we list sit in 2 ZIP codes, mostly in Payne County.

740743 agencies
740751 agency

Questions

Landlord insurance in Stillwater

All insurance agencies in Stillwater · Landlord insurance across Oklahoma

Where can I find landlord insurance in Stillwater?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does landlord insurance cover?

Covers a property you rent out, including loss of rental income.

Do I need flood insurance in Stillwater?

FEMA's National Risk Index rates inland flooding risk in Payne County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Landlord insurance near Stillwater

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