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Homeowners Insurance in Edmond, OK
Compare rates from top-rated carriers and get the coverage you need with our fast, 30-second quote process.
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Your home is one of your biggest investments — and protecting it shouldn’t be complicated. At Hometown Insurance Edmond, we help homeowners across Edmond, Oklahoma City, and the entire metro find affordable, reliable home insurance that fits their needs. As an independent agency, we compare top-rated carriers to build a policy that actually protects you when it matters.
Why Choose Independent Homeowners Insurance in Edmond?
When you work with an independent agent, you get options, not limitations.
We shop multiple carriers to make sure your coverage is cost-effective, comprehensive, and built for Oklahoma-specific risks like wind, hail, and tornadoes.
Reasons Edmond & OKC homeowners choose us:
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Local expertise in Oklahoma home insurance
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Personalized coverage recommendations
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Fast 30-second quote process
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Access to multiple carriers, not just one
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Guidance through claims, renewals, and inspections
Whether you’re a first-time homebuyer, a longtime homeowner, or investing in rentals, we’re here to simplify your insurance.
Get personalized coverage options from 25+ carriers.
What Your Home Insurance Policy Should Cover
Every home is different — and every policy should be too. We help you understand the protections that matter most.
Dwelling Coverage
Protects the structure of your home from covered perils like fire, storms, and more.
Other Structures
Covers fences, sheds, detached garages, and additional buildings on your property.
Personal Property Coverage
Pays to replace belongings such as furniture, clothing, and electronics.
Liability Protection
Protects you if someone is injured on your property or you cause damage to someone else.
Loss of Use
Covers living expenses if your home becomes temporarily uninhabitable after a claim.
Wind & Hail Coverage
Essential in Oklahoma — we ensure you have the right deductible and protection.
High-Value Item Coverage
Optional coverage for jewelry, firearms, collectibles, and more.
Home Insurance Discounts We Help You Qualify For
We make sure you get every discount available, including:
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Bundle home + auto
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Security alarm discount
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New roof / impact-resistant roof
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New home discount
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Gated community
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Fire prevention systems
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Claims-free
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Mature homeowner discounts
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Multi-policy savings
Most homeowners qualify for more discounts than they realize — we help you find them all.
Client Testimonials
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“Kelly helped us save over $500 a year by switching our home and auto policies. The process was so easy.”
— Megan T., Edmond, OK
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“We had storm damage and Kelly guided us through the claim from start to finish. I’ll never use another agency.”
— Jason W., Oklahoma City
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“As new homeowners, we were overwhelmed. Hometown Insurance explained everything clearly and found us a great rate.”
— Emily & Ryan P., Yukon, OK
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“Excellent service and very responsive. They found a policy that covered our roof correctly, which our previous insurer didn’t.”
— Sarah M., Guthrie, OK
Serving Edmond, OKC & the Entire Metro
We proudly serve:
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Edmond
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Oklahoma City
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Yukon
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Piedmont
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Guthrie
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Deer Creek
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Moore
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Mustang
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Nichols Hills
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Surrounding communities
If you live in the Oklahoma City metro, we can help protect your home.
Get a Fast Homeowners Insurance Quote Today
Protect your home with coverage built for Oklahoma — without spending hours comparing companies.
Or speak with a local agent for personalized help.
Frequently Asked Questions About Homeowners Insurance
How much does homeowners insurance cost in Oklahoma?
Oklahoma home insurance tends to be higher than the national average due to wind and hail risk. Rates vary by home age, roof type, location, and coverage levels.
Does homeowners insurance cover roof replacement?
Yes — but policies can differ. Some older roofs or high-risk areas may have actual cash value (ACV) instead of replacement cost. We help you understand your current roof coverage.
What is the best deductible for Oklahoma homeowners?
Many Oklahoma policies have wind/hail deductibles based on percentages (1%–2%). We help you choose the deductible that best fits your risk tolerance and budget.
Can I bundle home and auto insurance?
Absolutely — this is one of the easiest ways to save money. Bundling can significantly reduce premiums.
How fast can I get a home insurance quote?
With our 30-second quote tool, we can securely review your current policy and shop multiple carriers instantly.