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

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

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

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

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

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