Our office is in Oklahoma City
Our office at 16362 Muirfield Place is in far north Oklahoma City, in Oklahoma County. The U.S. Postal Service assigns it an Edmond (73013) mailing address, which is why you'll see both city names. Google Maps lists us as an Oklahoma City insurance agency — it's the same office, the same phone number and the same people.
| Our office | 16362 Muirfield Place, far north Oklahoma City (mailing address Edmond, OK 73013) |
|---|---|
| Counties Oklahoma City spans | Oklahoma, Canadian, Cleveland and Pottawatomie counties |
| Major roads | I-35, I-40, I-44, I-235, the Kilpatrick Turnpike and Lake Hefner Parkway |
| Neighboring communities we also serve | Edmond, Nichols Hills, The Village, Bethany, Warr Acres, Yukon, Mustang, Moore and Midwest City |
| Hours | Monday–Friday, 9 AM–5 PM Central; call or text 405-216-4979 |
Home insurance in Oklahoma City
Oklahoma City homeowners deal with the same three issues on almost every policy we review: hail, roof age and the wind/hail deductible. Most OKC homeowners policies carry a separate wind/hail deductible set as a percentage of the dwelling limit — on a $300,000 home, a 2% deductible means the first $6,000 of a hail claim is yours. Carriers also look hard at roof age and may settle older roofs at actual cash value instead of replacement cost.
Oklahoma City is also unusually varied for one city. A few examples of how that changes a quote:
- Older central neighborhoods such as Heritage Hills and Mesta Park have historic homes where rebuilding to current code can cost far more than the original structure — that's where law and ordinance coverage matters.
- Newer subdivisions in north and northwest OKC often qualify for better pricing on newer roofs, and impact-resistant shingles can earn a roof discount.
- Acreage and edge-of-city homes are rated on distance to the responding fire station and water supply, which can move the premium noticeably. See insuring a home outside the city core.
Because we're independent, we compare these factors across multiple carriers instead of taking one company's answer. More detail on our home insurance page.
Renters insurance in Oklahoma City
Renters insurance in Oklahoma City typically costs about $12 to $25 a month for $20,000–$30,000 of personal property coverage and $100,000 of liability, depending on the carrier, your building and your deductible. Many OKC apartment communities require proof of renters insurance with a minimum liability limit before move-in — we can send that proof the same day. We also write renters insurance for students at Oklahoma City University, the OU Health Sciences campus and every other school in the metro. See renters insurance in Oklahoma.
Auto insurance in Oklahoma City
Oklahoma requires at least 25/50/25 liability, but with OKC traffic on I-35, I-40 and I-44 and one of the higher uninsured-driver rates in the country, state minimums rarely hold up after a serious accident. We typically review higher liability limits and uninsured/underinsured motorist coverage with every Oklahoma City auto quote, plus comprehensive coverage for hail. Adding a teen? Oklahoma teens should be added to your policy when they get their learner permit. More on our auto insurance page.
After a hail storm in OKC
Photograph the damage, make temporary repairs to prevent more damage, and call us before you sign anything with a roofer. Our Oklahoma storm claims guide and first 48 hours after hail checklist walk through each step.
Business, life and umbrella coverage
We also write business insurance for Oklahoma City companies — general liability, workers' comp, commercial auto and business owners policies — along with life insurance and umbrella policies for households that want more liability protection.
Common questions from Oklahoma City residents
Yes. Our office at 16362 Muirfield Place is in far north Oklahoma City, in Oklahoma County. The mailing address is Edmond, OK 73013, which is why both city names appear. Google Maps lists us as an Oklahoma City insurance agency.
Typically about $12 to $25 a month for $20,000–$30,000 of personal property coverage and $100,000 of liability. Your price depends on the carrier, building, deductible and whether you bundle with auto.
Most OKC homeowners policies apply a separate wind/hail deductible, usually 1% to 5% of the dwelling limit rather than a flat dollar amount. On a $300,000 home, a 2% wind/hail deductible is $6,000 per hail or wind claim.
An independent agency compares several insurance companies at once. When one carrier raises rates, tightens roof rules or stops writing a ZIP code, we can move you to another carrier. A captive agent can only offer one company's policies.
Contact
Hometown Insurance Edmond 16362 Muirfield PlaceEdmond, Oklahoma 73013 (far north Oklahoma City)
Phone: 405-216-4979
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