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Insurance Education & Resources

Practical guides written in plain English — so you can understand your coverage before you need it.

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Oklahoma Coverage Guides

Personal Insurance

That Big Tree in Your Yard Falls—Whose Insurance Pays?

When a tree falls in Oklahoma, the damaged property's own policy usually responds first, whoever owned the tree. How house, car, fence and neighbor claims work.

October 5, 2026 4 min read
Business Insurance

Contractors: What Happens When $20,000 of Tools Disappear Overnight?

When tools are stolen from a work truck or job site, the auto policy usually isn't what pays. How contractors equipment coverage works and why the list matters.

October 5, 2026 4 min read
Business Insurance

Could Your Business Survive Being Closed for Three Months?

After a fire or tornado, lost income can cost an Oklahoma business more than the building damage. How business income coverage handles revenue and bills.

October 5, 2026 4 min read
Business Insurance

Your Employee Wrecks a Company Truck—What Happens Next?

When an employee wrecks a company truck in Oklahoma, liability, physical damage, deductibles, driving records and reporting all come into play, in that order.

October 5, 2026 4 min read
Personal Insurance

Hit a Deer? Here's Which Part of Your Auto Policy Pays the Claim

A deer strike usually falls under comprehensive, not collision, in Oklahoma. Which deductible applies, why swerving can change that, and what rut season means.

October 5, 2026 4 min read
Personal Insurance

Your Roof Is 15 Years Old—How Will Your Insurance Company Pay a Claim?

An older Oklahoma roof may not settle like a new one. How replacement cost, actual cash value, percentage deductibles and cosmetic exclusions change the check.

October 5, 2026 4 min read
Personal Insurance

If Someone Else Wrecks My Car in Oklahoma, Whose Insurance Pays?

When a friend or relative wrecks your car in Oklahoma, the vehicle's policy usually responds first for a permissive driver — with important wrinkles on regular use.

September 26, 2026 4 min read
Personal Insurance

Disability Insurance vs. SSDI in Oklahoma: What's the Difference?

SSDI is a federal benefit with strict rules; private disability insurance is a separate contract. Here's the plain Oklahoma difference most people miss.

September 24, 2026 3 min read
Personal Insurance

McClain County's FEMA File: Fire, Ice, and Tornadoes

OpenFEMA shows McClain County declared for wildfire, ice storms, and tornadoes — not just spring outbreaks. Here's what that mix means south of Norman.

September 22, 2026 3 min read
Personal Insurance

Does a New Roof Lower Homeowners Insurance in Oklahoma?

A new roof can change eligibility, options, and claim settlement in Oklahoma — not an automatic rate cut. Here's what usually changes.

September 17, 2026 4 min read
Personal Insurance

Condo Insurance in Oklahoma: What the Association Policy Usually Leaves Out

An HO-6 condo policy fills gaps an association master policy often leaves — interiors, belongings, and loss assessment. Here's the plain Oklahoma map.

September 16, 2026 4 min read
Personal Insurance

Cleveland County's FEMA File Isn't Just Tornadoes

OpenFEMA shows Cleveland County declared for wildfires, ice storms, and tornadoes recently. Here's what that mixed history means for coverage talks.

September 15, 2026 4 min read
Business Insurance

Commercial Property in Tornado Alley: Lessons from Moore 2013

The 2013 Moore EF-5 rewrote what Cleveland County business owners know about commercial property insurance. Here are the lessons that still apply.

August 6, 2026 7 min read
Personal Insurance

Does Oklahoma Still Need Earthquake Insurance?

Oklahoma's quakes peaked at 903 magnitude-3.0+ events in 2015 and have fallen since. Is earthquake coverage still worth carrying? Here's how to decide.

August 6, 2026 5 min read
Personal Insurance

Flood Insurance in Oklahoma: Who Actually Needs It?

Homeowners insurance doesn't cover flood — full stop. Here's how to tell whether your Oklahoma home actually needs a flood policy, in plain English.

August 6, 2026 6 min read
Personal Insurance

Life Insurance for Oklahoma Families: A Plain-English Guide

How much life insurance does an Oklahoma family actually need? A plain-English walk through term vs. whole, coverage amounts, and getting it done.

August 6, 2026 6 min read
Personal Insurance

Oklahoma Minimum Auto Coverage: Is 25/50/25 Enough?

Oklahoma's minimum auto liability is 25/50/25. Here's what those numbers cover, where they run out, and why higher limits cost less than you'd think.

August 6, 2026 5 min read
Personal Insurance

Renters Insurance in Norman: What 116,799 Cleveland County Households Should Know

Roughly a third of Cleveland County households rent. Here's what renters insurance covers, what it costs, and why your landlord's policy won't help you.

August 6, 2026 5 min read
Business Insurance

Oklahoma Workers' Comp: What Every Employer Must Know

Oklahoma requires nearly every employer to carry workers' comp — and the penalty can hit $1,000 per day. Here's the plain-English rundown for local employers.

August 6, 2026 6 min read
Personal Insurance

Tornado Season in Cleveland County: What Norman Homeowners Should Know

Cleveland County ranks 5th in Oklahoma for tornadoes since 1950. Here's what that history means for your Norman homeowners policy — before the sirens sound.

August 6, 2026 5 min read
Personal Insurance

Wind/Hail Deductibles in Oklahoma: The Math Every Homeowner Should Do

Percentage wind/hail deductibles can mean thousands out of pocket after a storm. Here's how to run the math on your own Oklahoma homeowners policy.

August 6, 2026 5 min read
Business Insurance

Starting a Business in Cleveland County: The Insurance Checklist

Launching a business in Norman or the OKC metro? Here's the insurance checklist — GL, property, commercial auto, workers' comp, and cyber — in plain English.

August 6, 2026 7 min read

The OIG Blog Archive

167 Articles & Newsletters, 2017–2026

The best protection starts with education — our monthly newsletter and coverage articles, going back to 2017.

2026 75 articles
2025 35 articles
2024 2 articles
2023 6 articles
2022 4 articles
2021 3 articles
2020 39 articles
2017 3 articles

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