Home and Auto Insurance Built for Oklahoma.

A standard home insurance policy covers the structure of your home, your personal belongings, liability if someone is injured on your property, and additional living expenses if your home becomes uninhabitable. In Oklahoma, we pay close attention to wind and hail coverage — these are among the most common claims in the state, and we make sure your policy is built to handle them without surprises.

At a minimum, Oklahoma requires liability coverage — bodily injury liability and property damage liability — which helps protect your finances if you cause an accident that injures another driver or damages their property. Those state minimums protect the other driver, not your vehicle. We help you choose a combination of coverages that fulfills state requirements and actually fits how you drive.

Collision coverage helps pay repair costs when your car is damaged in an accident, no matter who is at fault. Comprehensive coverage handles what happens when you're not driving — hail damage, a falling limb, theft, a cracked windshield. In a state with as much hail as Oklahoma, comprehensive coverage does a lot of work. We'll walk you through whether your vehicle is worth carrying both.

Your liability coverage won't help you there — it only pays for damage you cause to others. Uninsured and underinsured motorist coverage helps with your expenses if you're hit by a driver who has no insurance, or not enough of it. We recommend it to nearly every driver we work with, because it fills a gap the rest of your policy leaves open.

A standard policy pays actual cash value — what your car is worth after depreciation, which drops fast in the first few years. New car replacement coverage helps replace a totaled new car with a new one rather than a depreciation check, and loan/lease gap coverage helps cover the difference if you owe more than the car is worth. If you're financing or leasing, ask us about both.

Usually, yes. Bundling home and auto is one of the most reliable ways to lower your total premium — and it means one agency and one renewal conversation instead of two. Bring us your current policies and we'll show you the numbers side by side. If bundling doesn't save you money, we'll tell you that too.