<![CDATA[Oklahoma Insurance Professionals LLC - Blog]]>Wed, 15 Jul 2026 23:20:34 -0700EditMySite<![CDATA[Storm Shelters and Safe Rooms: What They Actually Do to Your Oklahoma Home Insurance]]>Tue, 14 Jul 2026 23:35:30 GMThttps://www.okinspro.com/blog/storm-shelters-and-safe-rooms-what-they-actually-do-to-your-oklahoma-home-insurance
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If you have lived in Oklahoma for any length of time, you have thought about a storm shelter. Maybe you already have one. Maybe you have priced one out after a bad spring and talked yourself out of it once the sky cleared up. Either way, I get asked the same question every storm season.

Does putting in a shelter actually change what you pay for insurance?
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The honest answer is that it can, but not automatically, and not the same way for every homeowner. A shelter is one piece of the broader storm readiness picture I encourage every client to put together, but it is the one piece that can also touch your premium. Here is how I walk clients through it.
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The discount is real, but it is not universal

Some carriers will knock a percentage off your premium for a documented storm shelter or safe room. Others will not offer a line-item discount at all, but they will factor the shelter into how they assess your overall risk when they write or renew the policy. Both of those outcomes are common in Oklahoma. Neither is guaranteed.
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What decides it is whether your carrier can actually verify what you built. An insurer is not going to take your word for it. They want to see that the shelter meets a recognized standard, and they want documentation they can put in the file.

What insurers want to see

The two standards that matter most are FEMA P-361 and ICC-500. FEMA P-361 is the federal design guidance for safe rooms. ICC-500 is the construction standard the International Code Council publishes for above-ground shelters specifically. Shelters built to either standard are rated to hold up against the strongest tornadoes on the Enhanced Fujita scale.
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If your shelter meets one of those standards, get that in writing from the installer at the time of purchase. A permit, a manufacturer spec sheet, or an inspection report all work. That paperwork is what turns "I have a shelter in my garage" into something an underwriter can actually credit. Without it, you are asking your carrier to take your description on faith, and most will not.

Oklahoma has a rebate program worth knowing about

Separate from anything your insurance carrier offers, the state runs the Sooner Safe Room Rebate program. It reimburses homeowners for a portion of what they spend on a qualifying safe room or storm shelter, up to a capped dollar amount, for homeowners who meet the program's income and residency requirements. It is administered through the state, not through your insurance company, so it is worth applying for on its own timeline regardless of what your carrier ends up doing with your premium.
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I mention this because a lot of homeowners assume the only financial upside to a shelter is a smaller insurance bill. The rebate can meaningfully offset the upfront cost, which changes the math on whether installing one makes sense this year versus waiting.

The type of shelter changes the conversation

Not every shelter gets treated the same way by underwriters. An in-ground shelter poured into the garage floor or the yard reads differently than a steel above-ground unit bolted to a slab, which reads differently than a safe room built into the interior frame of the house during construction. All three can meet code. All three can qualify for a discount with the right carrier. But the documentation an underwriter needs, and sometimes the size of the discount, can differ based on which type you have.
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If you already own a shelter and have never asked your agent whether it is reflected in your policy, that is worth a five minute phone call. I have had more than one client find out their shelter was never noted in the file at all, which means they had been paying for years without getting credit for something already sitting in their garage.

Where this matters most in the metro

Moore has some of the most destructive tornado history in the country, and that history shapes how carriers price policies there regardless of whether a given home has a shelter.

​A documented safe room will not offset every factor in your premium, but in a market where wind and hail deductibles already drive a meaningful share of your cost, it is one of the few upgrades that can move the number in your favor instead of against it.

What to do if you are shopping for a shelter this season

Get quotes from more than one installer, and ask each one directly whether their product is built to FEMA P-361 or ICC-500 and whether they provide documentation you can hand to your insurance company. Confirm the installer carries their own liability insurance and pulls a permit for the work. Once it is installed, call your agent before your next renewal, not after, so the shelter is on file when your policy is priced rather than discovered later during a claim.

​A storm shelter is first and foremost about keeping your family safe when the sirens go off. The insurance angle is real, but it is the secondary benefit, not the reason to buy one. Still, if you are already making the investment, it is worth doing the paperwork that lets your carrier actually give you credit for it.

Serving Oklahoma City and the surrounding communities of Edmond, Norman, Moore, Bethany, Choctaw, El Reno, Newcastle, Tuttle, Blanchard, and Yukon.
Not sure if your shelter is reflected in your policy, or thinking about installing one this season? Get a personalized home insurance quote and we will walk through it together.
get the best okc home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Oklahoma City Wind and Hail Insurance: What Your Deductible Actually Means]]>Wed, 08 Jul 2026 15:43:59 GMThttps://www.okinspro.com/blog/oklahoma-city-wind-and-hail-insurance-what-your-deductible-actually-means
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Hail hits Oklahoma City harder than almost anywhere else in the country. If you've owned a home here for more than a season or two, you've probably already had a roof inspection after a storm, or you know someone who has. The claim itself usually isn't the hard part. The hard part is understanding what you're actually on the hook for before the check from your insurance company shows up.

I get some version of this question from clients every storm season:

why is my deductible so much higher for wind and hail than it is for everything else?

​Let's walk through it.
oklahoma home insurance needs are different. we know!

Why OKC Gets Hit So Hard

We sit in the middle of Tornado Alley, which means severe thunderstorms roll through spring through early summer, and hail comes with them more often than not. Hailstones here range from pea-sized to the occasional baseball-sized monster, and when they fall at 40 to 50 miles per hour, they don't just dent things. They crack shingles, strip granules off your roof, chip siding, and shatter windows. Oklahoma consistently ranks among the top states in the country for hail damage claims. If you own a home here, this isn't a hypothetical risk. It's a when, not an if.

The Wind and Hail Deductible, Explained

Most homeowners in Oklahoma City don't have a flat deductible for wind and hail like they might for other claims. Instead, insurers use a percentage-based deductible, usually 1% to 5% of your dwelling coverage limit.
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Here's what that looks like in real numbers. Say your home is insured for $250,000 and you have a 2% wind/hail deductible. That's $5,000 you're responsible for before your insurance starts paying, regardless of what a flat-dollar deductible on the rest of your policy says. On a $350,000 home at the same 2%, you're looking at $7,000 out of pocket.

That number catches people off guard because it moves with your coverage. As Oklahoma rebuild costs go up and homeowners increase their dwelling limits to keep pace, the dollar amount tied to that same percentage climbs right along with it.

Have you checked what percentage your policy actually uses? It's worth a five-minute call to find out, because it's easy to assume you have a standard $1,000 deductible when you don't.

Why the Deductible Exists at All

I understand the frustration. You paid your premium, the storm did the damage, and now you're being told you owe thousands before anyone else pays a dime. It doesn't feel fair on the surface.

But the deductible structure is what keeps premiums from ballooning for everyone. If every hailstorm triggered full-dollar-one payouts across the metro, premiums across the board would be considerably higher.

​Percentage deductibles on wind and hail specifically exist because this peril is so common and so regionally concentrated here. It's a trade-off, not a penalty.

What Your Policy Covers on the Roof Itself

This is where the real money is, and where policies differ the most.
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Replacement cost coverage pays to replace your damaged roof with new materials of like kind and quality, no depreciation subtracted.

Actual cash value coverage factors in depreciation. If your roof is 12 years old and hail tears it up, ACV coverage pays out what that roof was worth at 12 years old, not what a brand-new one costs. That gap can run into the thousands.

Roof age matters more than most homeowners realize. A lot of carriers will only offer ACV, not replacement cost, on roofs over 15 years old. If your roof is getting up there in age, this is exactly the kind of detail that should come up at your next policy review, before a storm forces the conversation.

​Cosmetic Damage: The Exclusion Nobody Reads Until It's Too Late

Some carriers writing policies in hail-prone states have added cosmetic damage exclusions. In plain terms, that means dents or marks that don't affect how your roof or siding functions, purely aesthetic damage, may not be covered even though it hurts your home's curb appeal and resale value.
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This clause rarely gets read closely until a homeowner is standing in their driveway looking at dented gutters and a cosmetically dinged roof, filing a claim, and getting told none of it qualifies. Ask your agent directly whether your policy has this exclusion. It's a quick question with a real financial answer.

Siding, Windows, and the Rest of the Exterior

Hail doesn't stop at the roofline. Vinyl siding dents, paint chips, and windows and skylights break outright. Most policies cover this, but pay attention to matching limitations: some insurers will only pay to replace the damaged section of siding, not the whole side of the house, even if the replacement material doesn't match what's already there.

What to Do When a Storm Hits

  • Document everything. Photos and video of the roof, siding, gutters, and windows, wide shots and close-ups both, before you touch anything.
  • Prevent further damage. Tarp any roof holes, board up broken windows, clear glass and debris that could cause injury. Insurers expect reasonable steps here.
  • Call your agent, not just the 1-800 claims line. Especially after a major regional storm when adjusters are stretched thin, having someone local walk you through the process matters.
  • Get a professional roof inspection even if it looks fine from the ground. Hail damage isn't always visible from your yard, and problems that go unnoticed tend to show up as leaks a year later, outside your claims window.

Solar Panels and Wind/Hail Coverage

If you've added rooftop solar, it typically needs to be scheduled or endorsed on your policy separately, it isn't automatically folded into your standard dwelling coverage. That matters for wind and hail specifically, since panels sit exposed on the same roof surface taking the same impact. Ask your agent whether your solar installation is properly endorsed, and whether the manufacturer's warranty and your insurance coverage overlap or leave a gap.

The Real Takeaway

Wind and hail coverage in Oklahoma City isn't complicated once you know the four things to ask about: your deductible percentage, whether your roof coverage is replacement cost or ACV, your roof's age, and whether a cosmetic damage exclusion applies. Most homeowners have never had all four answered in one sitting.
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That's the review we do. We'll walk through your actual policy, line by line, and tell you plainly where you stand before the next storm rolls through, not after.

Serving Oklahoma City and the surrounding communities of Edmond, Norman, Moore, Bethany, Choctaw, El Reno, Newcastle, Tuttle, Blanchard, and Yukon.

Ready to see exactly what your policy covers? Get a personalized home insurance quote and let's make sure you're not finding out the hard way.
get the best home insurance for oklahoma!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Moore Rental Property Insurance: What Landlords Get Wrong About Tornado Risk]]>Fri, 03 Jul 2026 21:07:35 GMThttps://www.okinspro.com/blog/moore-rental-property-insurance-what-landlords-get-wrong-about-tornado-risk
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If you own a rental property in Moore, you already know the weather here doesn't mess around. What a lot of landlords don't know is that their landlord policy handles that risk differently than the homeowner policy they had before they started renting the place out.

I get this call a lot. Someone bought a starter home in Moore years ago, moved out, decided to rent it rather than sell it, and never gave the insurance a second thought. The mortgage got paid. The renters paid on time. Nobody looked hard at the policy until a hailstorm came through and the claim didn't go the way they expected.

Is your rental property actually covered the way you think it is?
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Let's walk through what's different about insuring a rental in Moore, and where the gaps usually show up.
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​Your Old Homeowner Policy Doesn't Follow You Into Landlord Life

The most common mistake I see is a landlord who never switched policies. They rented out a house they used to live in and just kept paying the same homeowner premium, assuming nothing changed.

Everything changed. A homeowner policy assumes an owner-occupant living in the home full time. Once you have a tenant, the risk profile is different, and most homeowner policies either restrict coverage or exclude tenant-occupied losses outright. If a claim comes in and the carrier discovers the home was a rental the whole time, you can end up with a denied claim or a canceled policy at the worst possible moment.
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A landlord policy, sometimes called a dwelling fire policy, is built for this. It still covers the structure. It adds liability protection sized for a tenant relationship instead of a homeowner relationship. And it typically includes loss-of-rent coverage, which matters more in Moore than almost anywhere else in the metro.

Tornado and Hail Repairs Take Longer Here, and That's a Rent Problem

Moore sits in one of the most tornado-exposed corridors in the country. Every landlord here already knows that. What catches people off guard is what a major storm does to repair timelines, and what that means for the months a tenant isn't paying rent because the house isn't livable.

After a widespread hail or wind event, roofing crews and contractors across the metro get slammed. A repair that might take three weeks in a normal year can stretch to two or three months when every roof in Cleveland County needs attention at once. If your landlord policy doesn't include loss-of-rent coverage, or the limit is too low, you're carrying that gap yourself while the mortgage payment keeps coming due.
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I tell Moore landlords to look at loss-of-rent coverage the same way they'd look at dwelling coverage: it needs to reflect reality, not a number that got set when the policy was written five years ago. If you're weighing this against what a Moore homeowner is dealing with on the same block, the storm exposure is identical. It's the rent check riding on the repair timeline that makes the landlord side different.

The Same Percentage Deductible Trap, With Higher Stakes

Cleveland County homeowners already deal with percentage-based wind and hail deductibles instead of a flat dollar amount. On a rental property, that math hits differently, because you're the one absorbing it, not a tenant who might have handled a smaller flat deductible without blinking.
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A 1-2% deductible on a $220,000 rental property is $2,200 to $4,400 out of pocket before coverage kicks in. That's real money on top of whatever the repair itself costs, and it's worth knowing that number cold before storm season, not after a claim.

Rebuild Cost, Not Purchase Price, Should Set Your Dwelling Limit

This is the same issue I see on the homeowner side, and it shows up just as often with rental property. Landlords insure a rental at what they paid for it, or at the outstanding mortgage balance, instead of what it would actually cost to rebuild.

Construction costs in Oklahoma have climbed steadily. A rental you bought for $160,000 a decade ago could easily cost well over $200,000 to fully rebuild today, especially with labor and material costs still elevated after a busy few storm seasons.

​If your dwelling limit hasn't been reviewed since you bought the property, there's a real chance you're underinsured for a total loss.

Roof Age Affects Rental Underwriting Too

Just like on the homeowner side, an aging roof can limit your options on a rental policy. Some carriers will only offer actual cash value settlement on an older roof rather than full replacement cost, which means depreciation gets subtracted from any roof claim.

​On an owner-occupied home, that's frustrating. On a rental, it's a bigger deal, because a partial settlement on a roof claim can leave you short on funds right when you also need to keep the unit livable for a paying tenant. If your rental has an older roof, it's worth asking directly what settlement basis you're working with before a storm forces the question.

Tenant-Caused Damage Isn't Always What You Think

Landlord policies generally cover the structure against storm damage, fire, and other named perils regardless of who's living there. Where things get murky is damage tenants cause themselves, whether through neglect, an accident, or something more deliberate.

A good landlord policy spells out what's covered and what isn't when it comes to tenant behavior, and covers your liability if a tenant or their guest gets hurt on the property.

​This is one of those areas where the details in the policy language actually matter, and it's worth a real conversation with your agent rather than assuming your coverage works a certain way. Our statewide guide to landlord insurance in Oklahoma covers the policy mechanics in more depth if you want the full picture.

What Moore Landlords Should Check Before Next Storm Season

A few things worth reviewing on any Moore rental policy:
  • Dwelling limit reflects current rebuild cost, not purchase price or loan balance
  • Loss-of-rent coverage accounts for realistic repair timelines after a widespread storm event
  • Wind and hail deductible percentage is one you've actually calculated in dollars
  • Roof settlement basis is replacement cost, not actual cash value, if the roof is aging
  • Liability limits are sized for a landlord-tenant relationship, not an owner-occupant one

​None of this is complicated, but it's easy to let a policy run on autopilot for years while the property, the rebuild costs, and the storm risk keep changing underneath it.

If you own rental property in Moore and haven't had your landlord policy reviewed in a while, that's a conversation worth having before storm season, not during it. We'll look at what you actually have, compare it to what the property would cost to rebuild today, and make sure loss-of-rent and liability limits match the risk you're carrying.

Ready for a quote, or just want a second set of eyes on your current policy? Get a landlord insurance quote and we'll walk through it together.

At Oklahoma Insurance Professionals, we shop your rental property with multiple carriers to find the coverage that actually fits how you use the property, not a one-size-fits-all policy. Give us a call and let's make sure you're protected before the next storm rolls through.
get the best okc home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Norman Home Insurance: Why Campus and South Norman Aren't the Same]]>Sat, 27 Jun 2026 20:24:50 GMThttps://www.okinspro.com/blog/norman-home-insurance-why-campus-and-south-norman-arent-the-same
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If you own a home in Norman, the way your insurance gets priced and written depends a lot on which part of town you are in. That catches people off guard. Two friends can both own homes in Norman, both keep them in good shape, and still end up with very different policies and very different bills.

I have been writing coverage for Cleveland County homeowners for a long time, and I have come to think of Norman as two towns stacked into one. There is the older part near OU and the core of town, and there is the newer growth out in south Norman. Same city limits, two very different insurance pictures.
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Here is how I walk through it with the families I work with.
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Norman is really two markets in one

The short version is that the age of your house drives a lot of what your carrier worries about. Older homes near campus and in central Norman carry one set of questions. Newer builds in south Norman carry another. Both are perfectly insurable. They just are not the same conversation.
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Knowing which side of that line your house falls on tells you most of what you need to check before your next renewal. So that is where I always start.

If you own an older home near campus or central Norman

The homes around Campus Corner and the older central neighborhoods have a lot of character, and they also have age on the roof, the wiring, and the plumbing. Carriers price all three. An older roof can change your rate or change how a claim gets paid, and electrical or plumbing that has not been updated can affect whether a carrier wants to write the home at all.
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The other thing I see with older Norman homes is a gap between what you paid for the house and what it would actually cost to rebuild it. Those are not the same number. Insurance covers the rebuild cost, and on an older home with finishes that are hard to match, that figure can run higher than people expect. It is worth making sure your dwelling limit reflects a real rebuild, not the sale price from a few years back.

Have you ever actually checked what it would cost to rebuild your house from the studs? Most folks have not, and on an older home that is the number that matters most.

One more piece worth knowing is ordinance or law coverage. If an older home takes a major loss, the city can require you to rebuild to current code, which can cost more than putting it back the way it was. That coverage helps close that gap, and a lot of older policies are light on it.

If you own a newer home in south Norman

South Norman has grown fast, and a lot of that housing stock is newer and on the larger side. The good news is newer homes usually come with fewer underwriting headaches around roof and systems age. The thing to watch instead is whether your coverage limits are keeping up.
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Rebuild costs have climbed with the price of materials and labor over the last few years. I see south Norman homeowners who set their dwelling limit when they bought and have not touched it since, and the cost to rebuild has moved since then. If your limit has not moved with it, you can end up underinsured without ever doing anything wrong.

Bigger and newer also means a bigger rebuild number overall, which is something to keep an eye on at every renewal rather than once a decade.

The wind and hail deductible is the Norman-wide trap

No matter which part of Norman you are in, you are in Cleveland County, and Cleveland County takes its share of storms. That shows up in one place a lot of people miss until it is too late, which is the wind and hail deductible.
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Many Oklahoma policies use a percentage deductible for wind and hail instead of a flat dollar amount. So instead of a set deductible, you are looking at a percentage of your dwelling coverage. On a real storm claim, that can be a much bigger out of pocket number than people are expecting. I would rather you know that figure before storm season than discover it after the roof is gone.

It is a quick thing to check on your declarations page, and it is one of the most important numbers on the whole policy here.

​Don't assume your homeowner policy covers everything

A homeowner policy is built for the home you live in, and there are two gaps Norman owners should keep in mind. The first is flooding. Standard home insurance does not cover flood, and parts of east Norman sit closer to Lake Thunderbird and low-lying ground where that is worth a real look. If that is you, flood insurance is a separate policy worth pricing out.

​The second one trips up Norman owners more than anywhere else in the metro. If you live in your Norman home, you carry a homeowner policy. But if you own a place near OU and rent it out to students, that is a landlord policy, not a homeowner policy, and the two are not interchangeable. I wrote a separate piece on what Norman landlords renting near OU should know if that describes your situation.

What to actually do before your renewal

If you take nothing else from this, take three things. Know whether your house reads as an older home or a newer one to a carrier, because that shapes everything else. Make sure your dwelling limit reflects today's rebuild cost, not your purchase price. And find your wind and hail deductible before the next storm, not after.

None of that takes long to check, and it is a lot cheaper to fix on a quiet afternoon than during a claim. Norman is a good place to own a home. It is just worth understanding which Norman you are insuring.

If you want a straight answer on whether you are carrying the right coverage for where you live in town, that is exactly what I am here for. Get a Norman home insurance quote and we will go through your policy together, no pressure. You can also see how we handle Norman home insurance across the area, or read the bigger picture on why home insurance changes across the OKC metro.
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Oklahoma Insurance Professionals is an independent insurance agency located in Oklahoma City serving the surrounding area with insurance solutions for personal and business needs.
get the best okc-area home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Why Edmond Homeowners Need to Think About Umbrella Insurance]]>Tue, 23 Jun 2026 22:11:20 GMThttps://www.okinspro.com/blog/why-edmond-homeowners-need-to-think-about-umbrella-insurance
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Most of the homeowners I work with in Edmond have already put real time into getting their dwelling coverage right. They have looked at the rebuild number, checked the deductible, and made sure the house itself is covered. That is the right instinct. But there is one part of the policy that almost nobody reviews, and it tends to be the part with the most actually at stake. That is the liability coverage.

If you own a home in Edmond, odds are good you have built up more than just a house. And the liability limit sitting inside a standard home policy was probably never sized for what you have to protect.
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Here is how I walk through it with families in the area.
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Your Home Policy Already Includes Liability Coverage

​Every standard homeowners policy comes with personal liability coverage built in. It is the part that responds when someone is hurt on your property, or when you or a family member is found responsible for injuring someone or damaging their property somewhere else. It also pays for your legal defense if you get sued over a covered claim.

Most policies in Oklahoma carry a liability limit somewhere between one hundred thousand and three hundred thousand dollars. That limit is the same whether your household is worth fifty thousand dollars or a million and a half. The policy does not adjust it to fit what you have. You do.

Edmond Homeowners Often Have More on the Line

Edmond consistently runs higher than the metro average on home values, and home value tends to track with everything else a household has built. Retirement accounts. College savings. Equity in the home. Future income. Here is the part that catches people off guard. A liability judgment is not capped at your policy limit.

​If a court awards more than your coverage pays, the rest can come out of your savings, your investments, and even your future wages. The more you have, the more a thin liability limit leaves exposed.

And the everyday risks are bigger than most people think. A pool or a trampoline in the backyard. A house full of people on game day. A teenage driver on the family auto policy. A dog. Coaching a youth team or sitting on an HOA or nonprofit board, which a lot of Edmond professionals do. Any one of those can turn into a liability claim that lands at your door.

A Serious Claim Can Pass Your Limit Fast

Picture a guest who takes a bad fall at a get-together at your house and ends up with a serious injury. Between emergency care, surgery, rehab, lost wages, and a settlement for everything that went with it, a claim like that can run well past three hundred thousand dollars without much effort.

​The same is true for a car wreck where a teen driver in your household is at fault and more than one person is hurt. When the bill comes in higher than your liability limit, you are personally responsible for the difference. That is the gap that quietly worries me for a lot of otherwise well-covered homeowners.

This Is Exactly What a Personal Umbrella Policy Is For

A personal umbrella policy sits on top of the liability coverage in your home and auto policies. When a covered claim burns through those underlying limits, the umbrella picks up where they stop, usually in increments of a million dollars. It covers the larger judgment, and it covers the legal costs that come with defending a big claim.

​For the amount of protection it adds, a personal umbrella policy is one of the most affordable pieces of coverage in the whole picture. A million dollars of added liability protection often costs less for the year than a single month of most people's mortgage.

So How Much Liability Coverage Is Enough?

A reasonable starting point is to carry enough liability coverage to protect what you have built, and for most Edmond households that means looking past the limit baked into the standard policy. If a claim came in tomorrow for more than your home policy covers, where would the rest of the money come from?

​If you do not love the answer, that is the conversation worth having. Carriers usually want your underlying home and auto limits set at a certain level before they will add an umbrella on top, so getting those layers to line up is part of the work too.

Getting It Right for Your Edmond Home

The property side of your coverage matters, and we go through that in detail for Edmond homeowners elsewhere. The liability side deserves the same attention, and it rarely gets it. As an independent agency that works with Edmond families, we can look at your home and auto liability limits together, compare umbrella options across multiple carriers, and make sure the coverage fits what you actually have rather than some default number. It fits into the same broader review we walk through for home insurance across Oklahoma, and it usually takes less time than people expect.

For Edmond homeowners who have never looked at their liability coverage as its own line item, that is worth a few minutes before a claim ever shows up.
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Oklahoma Insurance Professionals is an independent insurance agency located in Oklahoma City serving the surrounding area with insurance solutions for personal and business needs.
Want to review your liability coverage? Start with a free consultation.
Get the best okc home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Home Insurance in Moore, Oklahoma: What Living in Tornado Alley Really Costs]]>Wed, 17 Jun 2026 01:26:01 GMThttps://www.okinspro.com/blog/home-insurance-in-moore-oklahoma-what-living-in-tornado-alley-really-costs
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I've been writing insurance in this metro for a long time, and I'll tell you straight, Moore is its own animal. It sits right between Oklahoma City and Norman, on a stretch of ground that bad weather seems to find year after year. If you own a home in Moore, your insurance works a little differently than it does for your cousin up in Edmond. It helps to understand why.

Moore has been hit by some of the most destructive tornadoes this country has ever recorded. The 1999 storm and the 2013 storm were both about as strong as tornadoes get, and the costliest tornadoes in Oklahoma history happened right here in town. Carriers know that history.

​They price and write policies in Moore with it in mind, and that shows up on your premium and in the fine print of your coverage.
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Owning a home in Moore changes how carriers look at you

When an insurance company sizes up a house in Moore, they see the track record of this area before they ever see your specific home. That does not mean you are stuck with bad coverage or a sky-high rate.

​It means you want an agent who knows which carriers are comfortable writing homes here and which ones quietly are not. If you own a home in Moore, the goal is getting matched with a company that actually wants your business, not one that writes the policy today and looks for a reason to non-renew you after the next hailstorm.

Your deductible is probably a percentage, not a flat dollar amount

Here is the part that catches folks off guard every single year. Most home policies in Oklahoma carry a separate wind and hail deductible, and it is usually a percentage of your dwelling coverage instead of a flat dollar amount.

​So if your home is insured for 300,000 dollars and you have a 2 percent wind and hail deductible, you are paying the first 6,000 dollars out of your own pocket before the policy pays a dime on storm damage.

Most people never notice that number until a storm forces them to. This is one of the big reasons Oklahoma home insurance runs higher than the national average, and in a town like Moore it is worth knowing your exact deductible before the sirens go off, not after.

Rebuild cost is the number that matters most

If your house was a total loss tomorrow, would your policy actually rebuild it?

That is the question I want every homeowner in Moore to be able to answer with confidence. Your dwelling coverage needs to reflect what it would cost to rebuild your home from the foundation up at today's prices, not what you paid for it and not what it would sell for. Those are three different numbers, and the gap between them has gotten wider as labor and materials have climbed.
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After the big storms, plenty of Moore families learned this the hard way when their payout did not stretch far enough to rebuild what they lost. Take a hard look at how much dwelling coverage you carry and ask whether it has kept up with construction costs. If it has not, you are underinsured, even if your premium feels plenty high already.

Do not let your roof get settled on depreciation

Hail is just a fact of life around here. The thing to watch is how your policy pays for a roof. Some policies pay replacement cost, which covers a new roof minus your deductible. Others pay actual cash value, which knocks off depreciation for the age and wear of the old roof and can leave you thousands short on a full replacement.
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Older roofs are the ones most likely to be settled on actual cash value, and a lot of homeowners do not find out which kind of coverage they have until they file. If you want to see how this plays out in a real claim, here is a closer look at how home insurance covers roof damage for Oklahoma homeowners.

Tornado damage and the coverage details that trip people up

Here is the good news first. A standard home policy covers tornado damage, because a tornado is wind, and wind is a covered peril. You do not need a separate tornado policy. What gets people in trouble is the details around a major loss, and those details matter more in Moore than just about anywhere.

Watch for ordinance or law coverage, which helps pay the extra cost of rebuilding to current building codes after a major loss. Codes have tightened since the big storms, so a rebuild often has to meet a higher standard than the home you lost.

​Watch your loss of use coverage too, since a full rebuild here can take many months and you will need somewhere to live while it happens. I walk through more of this in our guide to how home insurance responds to tornado damage in Oklahoma.

A few Moore-specific things worth checking on your policy

A handful of small items make a real difference here. If you have a storm shelter or safe room, ask whether your carrier offers a credit for it, because some do. Ask whether your policy includes extended or guaranteed replacement cost, which gives you a cushion above your dwelling limit when rebuild prices spike after a widespread storm.

Confirm you have ordinance or law coverage and a healthy loss of use limit. None of these line items cost much, and any one of them can be the difference between a smooth recovery and a financial mess.
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At Oklahoma Insurance Professionals, we live and work right here in the metro, and as an independent agency we shop multiple carriers to find Moore homeowners the right coverage at a fair price. If you want a second set of eyes on your current policy, schedule a free consultation and we will go through it together, line by line.
get the right insurance for your oklahoma home!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.

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]]><![CDATA[What Norman Landlords Renting Near OU Should Know About Insurance]]>Fri, 12 Jun 2026 14:31:15 GMThttps://www.okinspro.com/blog/what-norman-landlords-renting-near-ou-should-know-about-insurance
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Renting out a house in Norman is not the same business as renting one out in most of the metro.
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If your property sits anywhere near OU, your tenants are mostly students, your lease cycle runs on the academic calendar, and your house is probably older than the ones going up in south Norman. All three of those things change what your insurance has to do. And the policy a lot of owners are carrying was never built for any of it.

Here is what actually matters when you own a rental near campus.
not sure about your home insurance?

A homeowners policy is the wrong tool here

If you bought the place and never changed the policy, or you held onto a homeowners policy from back when you lived there yourself, you have a gap. A homeowners policy assumes you live in the home. The minute a tenant moves in, the carrier's assumptions break, and a denied claim is usually how an owner finds that out.
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What you want instead is a landlord policy, sometimes called a dwelling fire or DP policy. I wrote a full breakdown of how those work in our guide to landlord insurance in Oklahoma, so I will not repeat all of it here. The short version is that a landlord policy covers the structure, your liability as the owner, and the rent you lose when the place cannot be lived in. Norman just adds a few wrinkles to each of those.

The summer vacancy trap

This is the one that catches Norman landlords more than anything else, and almost nobody sees it coming.
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Most landlord policies have a vacancy clause. If the property sits empty past a set number of days, often 30 or 60, coverage for things like vandalism, water damage, and sometimes more gets cut off or sharply reduced. The policy is still in force. The protection you think you have just is not.

Now picture a student rental. The lease ends in May, the next one does not start until August, and for a stretch of the summer the house is empty. That is exactly the window when a pipe can let go, a storm can pop a window, or somebody can break in. It is also exactly the window when a vacancy clause can leave you holding the bill.

If your rental goes empty between leases, tell me before it happens, not after. We can look at a vacancy endorsement or structure the policy so a normal summer gap does not quietly gut your coverage.

​Older homes near campus get judged harder

A lot of the rentals in Campus Corner and the core Norman neighborhoods were built decades ago. Carriers care a great deal about the age of the roof, the plumbing, the wiring, and the heat and air, because those are the things that fail and turn into claims.
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Two things come out of that. First, an older home may only be offered actual cash value on the roof and structure instead of full replacement cost, which means depreciation comes out of your check after a loss. Second, some carriers will not write the home at all until certain updates are done.
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Knowing where your property stands before you shop saves you the surprise at renewal. As an independent agency we can place an older near-campus rental with a carrier that actually wants it, instead of forcing it somewhere it does not fit.

Liability is bigger with a houseful of students

Renting to students is not a knock on students. It just means more people coming and going, more gatherings, and more chances for someone to get hurt on your property and decide it is your fault.
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Your landlord policy includes liability coverage, but the standard limit is often thinner than the exposure. If a property you own draws a judgment that runs past your policy limit, the rest can come out of your other assets.

​That is where an umbrella policy earns its keep. It sits on top of your landlord liability and your auto, and for most owners it costs a lot less than people expect for the protection it adds.

Lost rent is real money in storm country

Cleveland County takes the same hail and wind the rest of central Oklahoma does. If a storm makes your rental unlivable, you are not only paying to fix it, you are losing the rent the whole time it sits.
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Loss of rent coverage, sometimes called fair rental value, replaces that income while repairs happen. Make sure the limit reflects what the place actually rents for and how long a real repair takes around here, because contractor backlogs after a bad Oklahoma storm can run months, not weeks. If you own more than one unit, that math gets serious in a hurry.

Get it looked at by someone who knows Norman


None of this is meant to scare you off owning rentals near OU. It is a good business. It just rewards the owners who set their coverage up on purpose instead of letting an old homeowners policy ride.

We are an independent agency, so we shop your rental across multiple carriers and place it where it fits rather than jamming it into one company's box. If you own property down in Cleveland County, here is how we handle home and rental coverage for Norman owners, whether that is one house or a whole portfolio.
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Want a second set of eyes on what you are carrying right now? Set up a free consultation and we will walk through it together. No pressure either way.
get the best insurance for oklahomans!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Home Insurance Across the OKC Metro: Why Edmond, Norman, Moore, and Oklahoma City Aren't the Same]]>Sun, 07 Jun 2026 19:23:33 GMThttps://www.okinspro.com/blog/home-insurance-across-the-okc-metro-why-edmond-norman-moore-and-oklahoma-city-arent-the-same
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If you live around here, you have probably had this conversation. You find out a friend across town pays a good bit less for home insurance than you do, even though your houses look about the same size and age. So what gives?

The honest answer is that where you live in the metro matters. A lot. The Oklahoma City area is big, and the risks change as you move from one city to the next. Two houses that look identical on paper can sit in very different risk pictures depending on which side of the metro they are on.
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Here is how I actually think about it for the families I work with.
get the best oklahoma home insurance!

​Oklahoma City: a little bit of everything

Oklahoma City is the anchor of the whole metro, and it is huge. That is the first thing to understand. You have got historic neighborhoods near the core with older roofs and older wiring, and you have got brand new builds out on the edges. Those two homes do not price the same way, even in the same zip code.

The constant across all of OKC is weather. Hail and straight line wind do most of the damage we see in claims, and those storms do not care what neighborhood you live in. On top of that, rebuild costs have climbed with the price of materials and labor.

​We write Oklahoma City home insurance for homeowners all over the metro, and if you want the longer breakdown on why pricing has moved, I also wrote about what actually makes it expensive.

Edmond: newer homes and higher rebuild numbers

Edmond sits on the north side of the metro, and a lot of the housing stock is newer and on the larger side. That is great for living in, but it pushes your dwelling coverage up, because it costs more to rebuild a bigger, newer home if a storm takes the roof or worse.
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Higher home values also mean you want to double check your coverage limits are actually keeping up. I see a fair number of Edmond homeowners who have not updated their policy since they bought, and replacement costs have moved since then. If you are up north, here is more on Edmond home insurance and coverage for the north metro.

Norman: really two markets in one

Norman is its own animal. You have got the older homes and rentals around campus and Campus Corner, and then you have got the newer developments out in south Norman. Those are two pretty different insurance pictures inside the same city.
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Older homes near OU can carry roof, plumbing, and electrical age that insurers care about. Newer south Norman homes price more like the suburbs. And if you own a rental near campus, that is a landlord policy, not a homeowner policy, which trips people up all the time. If you are down in Cleveland County, here is how we handle Norman home insurance for homeowners and renters.

Moore: right in the path

Moore is the one everybody thinks about, and for good reason. The city sits in the heart of the tornado corridor and has taken direct hits, including the 1999 and 2013 storms that a lot of families here lived through. When I write a policy for a Moore homeowner, wind and tornado risk is the headline, not a footnote.
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The big thing to watch in Moore is your wind and hail deductible. A lot of Oklahoma policies use a percentage deductible for wind and hail instead of a flat dollar amount, and that can be a much bigger number than people realize when a real storm hits. Roof age and roof type matter a lot here too. If you are in Moore, please read my piece on Oklahoma home insurance for tornadoes before your next renewal.

What is really driving the differences

Once you set the cities side by side, the same handful of factors keep showing up:
  • Roof age and material. This is the single biggest one in Oklahoma. An older roof or the wrong material can raise your rate or get a claim treated differently.
  • Rebuild cost, not market value. Insurance covers what it costs to rebuild, which is not the same as what you could sell for. Bigger and newer homes cost more to rebuild, which is a lot of the Edmond story.
  • Your deductible structure. Especially that wind and hail percentage deductible. Two policies with the same premium can leave you with very different out of pocket costs after a storm.
  • The claims history of your area. Insurers look at how often storms hit your part of the metro. Moore reads differently than far north Edmond.
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None of these are things you can change overnight, but knowing which ones apply to your house is half the battle.

What you can actually do about it

​A few things help no matter which city you are in. Keep your roof in good shape and keep the paperwork when you replace it. Know your wind and hail deductible before storm season, not after. Make sure your dwelling limit reflects today's rebuild costs, not what you paid years ago. And shop it with an independent agent who can compare several carriers, because the carrier that is cheapest in Edmond is not always the cheapest in Moore.

Let's look at your specific house

Every one of these cities has its own quirks, and so does every home. If you want a straight answer on whether you are paying too much or carrying the wrong coverage for where you live, that is exactly what I am here for.
Book a free consultation and we will go through your policy together, no pressure.
get the best oklahoma home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Oklahoma Home Insurance: What It Really Costs and How to Get Coverage That Holds Up]]>Thu, 04 Jun 2026 01:57:11 GMThttps://www.okinspro.com/blog/oklahoma-home-insurance-what-it-really-costs-and-how-to-get-coverage-that-holds-up
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If you own a home in Oklahoma, you already know two things are true: the weather can turn on you fast, and your insurance bill keeps climbing. Those two facts are connected. Oklahoma sits in the middle of one of the most storm-active regions in the country, and that reality shapes everything about how home insurance works here.
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This guide walks through what home insurance actually costs in Oklahoma right now, why it costs that much, and the specific policy details that matter far more than the price on the front page. A few of these details catch homeowners off guard every storm season, so it's worth a few minutes to understand them before you need to file a claim.
get the best okc home insurance!

What home insurance costs in Oklahoma

There's no single number, but the direction is clear: Oklahoma is consistently ranked as one of the most expensive states in the country for homeowners insurance, often landing at number one or two depending on whose data you look at.

Depending on the source, coverage level, and where your home sits, statewide averages tend to run somewhere between roughly $4,700 and $7,700 a year. For comparison, the national average is closer to $2,500. Oklahoma City homes often price toward the higher end of that range because of how much hail and wind activity the metro sees.
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Your own number can land well above or below those averages. Carriers price each home individually based on your ZIP code, the age and material of your roof, your home's rebuild cost, your claims history, and your credit (where state law allows it). Two houses on the same street can get very different quotes if one has a five-year-old impact-resistant roof and the other has a fifteen-year-old roof that's already weathered a couple of hailstorms.

Why it's so expensive here

This isn't carriers being greedy. It's math. Oklahoma gets hammered by tornadoes, hail, and straight-line winds year after year, and eastern parts of the state add flood exposure on top of that. Hail alone drives an enormous share of roof claims statewide, and roofs are one of the most expensive parts of a home to replace.
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When insurers pay out hundreds of millions of dollars in storm losses across the state, those costs work their way back into everyone's premiums. That's the core reason Oklahoma rates sit where they do, and it's why your premium can jump even in a year when your own home wasn't touched.

The wind and hail deductible: the part most people miss

Here's the single most important thing to understand about an Oklahoma home policy, and the one that surprises homeowners most often.

Most policies in Oklahoma now carry a separate deductible for wind and hail damage, and it's usually calculated as a percentage of your home's insured value rather than a flat dollar amount. That's very different from the standard deductible you might be picturing.

Say your home is insured for $300,000 and your wind/hail deductible is 2 percent. That means you'd be responsible for the first $6,000 of a hail claim before your insurer pays a dollar. At 1 percent it's $3,000. At higher percentages it climbs from there. Your regular "all other perils" deductible might be a comfortable $1,000, but the wind/hail deductible is a separate, much larger number, and wind and hail are exactly what Oklahoma homes get hit with.
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None of this is hidden or improper. It's standard for the region. But you want to know your percentage and what it works out to in real dollars before a storm forces the question. The practical test is simple: could you actually cover that amount out of pocket if you needed to? If the answer makes you nervous, that's worth a conversation.

​Replacement cost vs. actual cash value: how your roof gets paid

The other detail that quietly controls your claim is how your policy values what gets damaged, especially your roof.

A replacement cost (RCV) policy pays what it costs to replace your roof with a comparable new one, minus your deductible. An actual cash value (ACV) policy pays the depreciated value, accounting for the age and wear of the roof at the time of the loss.

The difference is huge. Picture a fifteen-year-old roof that would cost $18,000 to replace. On a replacement cost policy, you're looking at roughly that full amount minus your deductible. On an actual cash value policy, depreciation can cut the payout dramatically, sometimes leaving you many thousands of dollars short on a roof you still have to replace.
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ACV policies usually carry a lower premium, which is exactly why they get sold. They cost less every month and more on the one day you actually need the coverage. For an Oklahoma home, knowing which type you have, and whether the trade-off makes sense for you, is one of the more consequential decisions in the whole policy.

​How to bring your premium down

You can't change Oklahoma's weather, but you do have real levers. A few that tend to move the needle here:

Upgrade your roof when it's time. An impact-resistant (Class 4) roof can earn meaningful discounts with many Oklahoma carriers, since it stands up better to hail. A newer roof in good shape also helps on its own.

Bundle your home and auto. Putting both policies with the same company is one of the larger discounts available, often in the range of 10 to 25 percent.

Stay claims-free when it makes sense. A multi-year stretch without claims can earn a discount, and small claims can cost you more in lost discounts and future pricing than they pay out. It's worth thinking twice before filing a small one.

Add safety and water-detection devices. Monitored alarms, smoke detectors, deadbolts, and smart water-leak sensors can stack into a modest combined discount.
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Choose your deductibles deliberately. A higher deductible lowers your premium, but only raise it to a level you could genuinely afford after a storm. The savings aren't worth it if a claim would leave you stuck.

Cheapest isn't the same as best

It's easy to shop on the headline price alone, and plenty of quotes are built to win on that number. The catch is that a quote can look cheaper because it quietly lowered your dwelling coverage, switched your roof to actual cash value, or raised your wind/hail deductible. That's not a better deal. It's the same risk with more of it sitting on your shoulders.

The right way to compare is to line up quotes with the same dwelling amount and the same deductibles, then look at price. When everything else matches, you're comparing apples to apples and the real value shows up.

This is where working with an independent agency helps. Because we aren't tied to a single company, we can shop your home across multiple Oklahoma carriers, match the coverage details so the comparison is honest, and flag the fine print that costs people the most when storms roll through.

​The goal isn't the lowest sticker price. It's coverage that's affordable now and actually performs when you need it.

The bottom line

Oklahoma home insurance is expensive because Oklahoma weather is hard on homes, and that isn't going to change. What you can control is whether your policy is built right: the correct dwelling amount, a deductible you can live with, replacement cost coverage where it counts, and a carrier that fits your home's specific risk.
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If you're not sure what your current policy says about wind and hail or how your roof would be paid, that's exactly the kind of thing worth checking before the next storm season, not after. We're happy to review your coverage and shop your options across our carriers.

Get a home insurance quote or contact our office and we'll walk through it with you.
get the best okc home insurance!

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.
]]><![CDATA[Summer in Oklahoma: Here's What You Should Be Thinking About With Insurance]]>Sun, 31 May 2026 21:25:31 GMThttps://www.okinspro.com/blog/summer-in-oklahoma-heres-what-you-should-be-thinking-about-with-insurance
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Summer in Oklahoma is a season of extremes. The storms get bigger, the lake gets busier, the backyard fills up with people, and the calendar fills up with weddings, reunions, and weekends at the cabin. It's the best stretch of the year for a lot of Oklahomans, and it's also the stretch where the most claims get filed.

Most of those claims trace back to the same thing: a policy that was set up for how life looked in January, not how it looks in July.
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This is a good time of year to walk through the coverage that actually matters once the weather warms up. Not a sales pitch, just a checklist of what's worth a second look before the season gets going.
get the best okLAHOMA home insurance!

Start With the Storms

If you own a home in Oklahoma, summer weather is the first thing on the list. July hail and August straight-line winds do real damage here every single year, and the gap between what people think their policy covers and what it actually covers tends to show up in the middle of a claim rather than before one.
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It's worth understanding what your home insurance actually covers during a summer storm in Oklahoma before you need to find out the hard way. Pay particular attention to how your roof is covered, because the difference between replacement cost and actual cash value on an older roof can be tens of thousands of dollars.

A couple of related pieces are easy to overlook:
If your home insurance hasn't been reviewed in a few years, summer is the right time to fix that. You can get the right Oklahoma home insurance here.

The Toys Come Out of the Garage

This is the part of the year where coverage gets missed most often, because the things people use in summer sit unused the rest of the year.

A boat on Lake Hefner or Grand Lake, a camper headed to Broken Bow, an ATV at the deer lease, a motorcycle finally back on the road. Your home and auto policies were not built to cover any of those, and a lot of owners assume they're protected when they're not.
  • A boat is its own policy with its own liability concerns on a crowded summer lake. Here's boat insurance in Oklahoma.
  • Heading out in the camper or the fifth-wheel? RV insurance covers situations a standard auto policy won't.
  • Off-road gear has its own exposure. ATV insurance is worth a look before the first ride.
  • Two wheels back on the road means motorcycle insurance deserves a fresh review, especially your liability limits.

​The pattern with all of these is the same: people buy the toy and forget the coverage, then find out in July that the policy they assumed was there never existed.

More People in Your Backyard Means More Liability

Summer is the season of guests. Pool parties, the grill going every weekend, kids running through sprinklers, the trampoline that's been up since spring. Every one of those is a liability question, and most homeowners never think about it until someone gets hurt.
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Your homeowners policy includes a liability limit, but it's often lower than it should be once you start hosting regularly. This is exactly the situation an umbrella policy in Oklahoma is built for. It sits on top of your home and auto liability and picks up where those leave off, usually for a surprisingly small premium relative to the protection it adds.

If you regularly have people over in the summer, this is the single most overlooked piece of coverage on this list.

Summer Events Have Their Own Coverage

Weddings, family reunions, graduation parties, fundraisers. If you're hosting or renting a venue for a larger event, the venue will often require proof of coverage, and your homeowners policy generally won't extend to it.
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Event insurance is a short-term, single-event policy that handles exactly this. It's inexpensive, it's quick to set up, and it keeps one bad moment at a big gathering from turning into a personal financial problem.

Don't Forget What's Inside the House

People focus on the structure during storm season and forget about everything inside it. How personal property coverage works on your Oklahoma policy is worth understanding before you file a claim, not after.
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And if you've added anything of real value, jewelry, a nicer camera, tools, collectibles, know that standard policies cap those categories well below what the items are worth. That's where scheduled personal property coverage for valuables in Oklahoma comes in.

A summer side note: if you've started running anything out of the house, even seasonally, it's worth knowing whether your home insurance covers your home-based business. It usually doesn't.

Flood Is the Quiet One

Summer storms don't only bring wind and hail. Heavy rain backs up creeks and overwhelms drainage, and homeowners insurance does not cover flood damage, period. You don't have to be in a designated flood zone for it to happen, and a separate flood insurance policy is the only thing that handles it.

The Easiest Way to Handle All of This

The common thread through every item above is that summer changes your risk, and a policy set up months ago rarely keeps up on its own. That's the case for working with an independent insurance agent in Oklahoma City who can look at the whole picture, compare carriers, and find the gaps before the season does.
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A short review now is a lot cheaper than a surprise in the middle of a claim.

Get a free review of your summer coverage here.

​Quick summer coverage checklist

  •  Home insurance reviewed (roof: replacement cost vs. ACV?)
  • Detached structures limit checked (shed, garage, fence)
  • Boat / RV / ATV / motorcycle policies in place and active
  • Umbrella policy considered for backyard liability
  • Event insurance lined up for any large summer gathering
  • Valuables scheduled if they exceed standard limits
  • Flood insurance in place (separate from home policy)
  • Home-based business exposure addressed if applicable
NEED HOME INSURANCE RIGHT FOR OKLAHOMA?

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.​​
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