An Edmond insurance agency built on the radical idea that a person should answer the phone.

Why we exist

Insurance got complicated for the wrong reasons. Captive agents only sell one carrier's products. Online-only quotes skip the questions that matter. Call centers cycle through reps who've never seen your file. Meanwhile, Oklahoma weather doesn't get any gentler.

Hometown Insurance Edmond opened its doors in Edmond in 2020, founded by Kelly Dodd. With 26 years as an Oklahoma insurance agent — and independent since 2009 — Kelly opened Hometown to do things differently: every client has a direct line to a real agent, every claim gets walked through personally, and every renewal gets re-shopped across 25+ carriers. The agency is new. The expertise behind it isn't.

What "independent" really means

We don't work for an insurance company. We work for you. As an independent agency, we represent more than 25 top-rated carriers, which means three concrete things:

• We shop your policy. Every renewal, we compare your current coverage against what other carriers are offering — you don't have to.
• We recommend the best fit, not the only fit. A captive agent has one product to sell. We have dozens, and we'll tell you honestly which one matches your situation.
• We move you when it makes sense. Carriers raise rates, change underwriting, exit Oklahoma. When that happens, we re-quote and re-place — no friction on your end.

What 26 years in Oklahoma insurance teaches you

Anyone can sell a policy. Knowing which ones pay claims fairly in Oklahoma takes time. Over more than two decades writing insurance in this state, Kelly has watched carriers handle wind storms, hail seasons, kitchen fires, and the occasional tornado — and seen which adjusters are reasonable, which underwriters are flexible on older homes, and which "great rate" policies have exclusions buried on page nine.

That history is what you're really hiring when you work with us. Not just the quote — the judgment behind it.

How we work

Most of our clients have been with us for years. The process looks something like this:

1. You share your info — through our secure online tool (about 30 seconds) or by phone.
2. We shop your coverage against 25+ top-rated carriers and send you side-by-side quotes with the trade-offs explained in plain language.
3. You pick. We bind the policy, send you the documents, and you have direct access to your agent from day one.
4. We stay in touch at renewal time and whenever your life changes — new home, new vehicle, new business, new family member.

Where we serve

Our office is in Edmond, Oklahoma, but we write coverage across the entire state — from Tulsa to Lawton, Stillwater to McAlester. We're also licensed in Arizona, North Carolina, South Carolina, Texas, Kansas, Arkansas, and Missouri, so if you've moved out of state or own property elsewhere, we can still help.