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About three in five Enid rentals are houses rather than apartments, which means most tenants here are responsible for a whole building’s worth of pipes rather than a share of them. Harvey Insurance writes Garfield County renters coverage with one winter condition explained plainly, because it is the one that turns a covered claim into a declined one.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Freezing is a covered cause of loss on a renters policy, and it comes with a condition attached that is printed in every form and read by almost nobody. Where the dwelling is vacant or unoccupied, coverage for damage caused by freezing generally applies only if you used reasonable care to maintain heat in the building, or else shut off the water supply and drained the systems and appliances. That is not fine print designed to catch people out; it is the insurer declining to underwrite an empty unheated house through a north-central Oklahoma January. It matters here more than in an apartment because a rented house has exterior walls on all four sides, pipes running through unheated crawl spaces and garages, and an outside spigot nobody thinks about. The practical version fits in three lines. If you are away in winter, leave the thermostat somewhere in the mid-fifties rather than off — the saving from turning it off is a few dollars and the exposure is the contents of the house. Open the cabinet doors under sinks on exterior walls so warm air reaches the pipes. And if you are gone long enough that heat is not realistic, ask the landlord to shut the water off at the main and drain it, then tell your agent. All three cost nothing, and all three are the difference between a claim and a conversation about a condition.
Get a Free Renters QuoteRenters insurance is one of the most affordable and underutilized forms of coverage. For just a few dollars a month, Harvey Insurance protects everything you own inside your rental — plus gives you liability coverage if someone gets hurt.
Enid renters risk is set by winter and by the fact that most rentals here are whole houses.
Freezing damage in an unoccupied dwelling is covered only where heat was reasonably maintained or the system was drained.
Renting a house means crawl spaces, garages and outside spigots — far more pipe exposed to weather than an interior apartment has.
A roof taken by hail lets weather into the rooms below it, and the landlord’s policy covers the roof and nothing you own.
We write across Enid’s historic streets, its rented houses and its apartment corridors.
Period houses let to tenants, beautiful and full of the original systems that come with the age.
Established rented houses on the north side, the steady middle of the Enid rental market.
Mid-century housing let to working households on long terms and low turnover.
Apartment communities and small multifamily along the main east-west route through town.
Newer rentals on the south side, generally whole houses let by owners who kept a previous home.
We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.
We work with the most trusted carriers in the country — and in Enid we will tell you what the policy expects of you in January before January arrives.
We understand the specific risks Enid residents face and write every policy with that knowledge front and center.
When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.
Renting a house? The winter questions are different. Ask us today.
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Harvey Insurance also proudly serves the smaller communities around Enid, including North Enid, Kremlin, and Waukomis.
Own rental property in Enid? See our Enid landlord insurance.
Also in Enid: Enid homeowners insurance and Enid auto insurance.
See every city on our Oklahoma renters insurance hub.