Insurance questions Oklahomans actually ask.

We offer homeowners, auto, renters, life, and umbrella insurance for individuals and families, plus general liability, workers' compensation, commercial auto, business owners policies, and professional liability for businesses. As an independent agency, we compare quotes from 25+ top-rated carriers.

Yes. We're fully independent, meaning we represent multiple top-rated carriers rather than one captive company. Independence lets us shop your coverage every renewal and find the best combination of price and protection.

We serve the entire state of Oklahoma — from the OKC metro to Tulsa, Lawton, and everywhere in between. We're also licensed in Arizona, North Carolina, South Carolina, Texas, Kansas, Arkansas, and Missouri. Our office is in Edmond at 16362 Muirfield Place.

Our online quote tool takes less than 30 seconds to start. We then compare your current coverage across 25+ top-rated carriers and send you side-by-side options — usually the same day during business hours.

Oklahoma requires drivers to carry liability coverage of at least 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. These are minimums and rarely sufficient given today's repair and medical costs.

Hail damage is covered under comprehensive coverage, not collision. If you only carry liability or liability + collision, hail damage will not be covered. Comprehensive is strongly recommended in Oklahoma.

Yes. Tornado damage is covered under the wind peril in a standard homeowners policy. However, most Oklahoma carriers apply a separate wind/hail deductible — typically 1% to 2% of dwelling coverage.

A wind/hail deductible is a separate, often percentage-based deductible applying only to wind or hail claims. On a $300,000 dwelling at 2%, you'd pay $6,000 out-of-pocket before insurance pays anything for a hail claim. Other peril claims (fire, theft, etc.) still use your standard deductible.

No. Standard homeowners insurance excludes flood damage. You need a separate flood policy through the National Flood Insurance Program (NFIP) or a private carrier. We write both.

Multiple claims in a 3- to 5-year window can result in non-renewal in Oklahoma. A single weather-related claim usually does not. Call us before filing — we'll help you decide whether the claim makes financial sense long-term.

Most Oklahoma employers with one or more employees are required to carry workers' compensation. Limited exceptions exist for sole proprietors with no employees, certain agricultural workers, and some independent contractors.

Most Oklahoma small businesses carry $1 million per occurrence / $2 million aggregate as a starting point. Contracts, leases, and licenses may require these limits. Higher-risk industries often carry $2M/$4M or more.

Generally no. Personal auto policies contain business-use exclusions that can void coverage when a vehicle is used for business — including delivery, transporting clients, hauling materials, or traveling between job sites. Commercial auto closes this gap.

A common starting point is 10-12 times your annual income, adjusted for debts (especially mortgage), dependents, education plans, and existing assets. We walk through each factor to right-size coverage.

For most families, term life is the right fit — it provides large coverage at low cost during the years you need income replacement. Whole life makes sense for estate planning, business succession, or specific permanent-coverage needs.

A $1 million personal umbrella policy in Oklahoma typically costs $200-$350 per year. Each additional $1 million in coverage usually adds about $75-$150 per year.

Yes. As an independent agency, we work with carriers that price more favorably for various profiles — drivers with tickets or accidents, applicants with low credit scores, homes with prior claims. Pricing varies, but coverage is almost always available.

We're involved in claims from start to finish. We can be present for adjuster visits, review estimates, push back on incorrect denials, and coordinate supplements with contractors. Most agents don't do this. We do.

We're paid by the insurance carriers we represent — through commissions on policies we place. You pay the same premium whether you buy from us or directly from the carrier; there's no markup for using an agent. The carriers pay us to help them write better-fit, better-retained business.

Yes. We do free policy reviews and explain exactly what your current coverage does and doesn't include. If we can't beat your current carrier, we'll tell you honestly. Many reviews end with us recommending staying put.