Frequently Asked Questions

Oklahoma is one of the most expensive states in the country to insure a home — the average Oklahoma homeowners premium was $2,155 in the most recent NAIC state data, third highest in the nation. The driver is weather: Oklahoma recorded 369 major hail events (1-inch or larger) in 2025, third most of any state, and averages 59.4 tornadoes a year. Carriers price that risk into every policy. What you can control is how your policy is structured — deductibles, roof schedules, and which carrier's appetite actually fits your home. As an independent agency we shop those options across our carrier lineup instead of asking you to take one company's number.

Most Oklahoma home policies now carry a separate wind/hail deductible written as a percentage of your dwelling coverage — commonly 1% or 2% — instead of a flat dollar amount. On a home insured for $300,000, a 1% wind/hail deductible means the first $3,000 of a hail claim is yours; at 2% it’s $6,000. That’s very different from the $1,000 flat deductible many people remember. Nationally, the average homeowners wind/hail claim runs $13,511, so the coverage above the deductible still matters enormously. We walk through the math with every client so a spring hailstorm never comes with a surprise.

Oklahoma's minimum auto liability is 25/50/25 — $25,000 of bodily injury protection per person, $50,000 per accident, and $25,000 of property damage protection. Those are legal minimums, not recommendations: one totaled SUV can exceed $25,000 of property damage on its own. And with 11.8% of Oklahoma drivers uninsured, uninsured motorist coverage deserves a hard look too. We'll show you what stepping up limits actually costs — it's usually less than people expect.

Your bill comes directly from your insurance company, and the fastest way to pay is through their billing portal or mobile app — the full directory is on our Billing & Claims page. If you don't have a bill from your company, text or email us and we'll get you the info. For claims, every carrier we represent has a 24/7 claims line. Not sure whether to file? Call or text us first at (405) 701-5368 and we'll help you think it through before the claim is on your record.

Canopy Connect is the tool behind our zero-hassle personal quotes. Instead of filling out a long form, you securely link your current insurance account and we instantly receive the policy details we need to shop your coverage — no paper dec pages, no retyping VINs. It uses bank-level encryption, read-only access, and never stores your login. It turns a 20-minute form into about 30 seconds.