When Landon and Elizabeth bought their first home in Oklahoma City, they assumed their homeowners insurance would cover just about anything that went wrong. But when a slow plumbing leak led to major water damage in their kitchen, they were shocked to learn their claim was denied. The reason? Their policy didn’t cover gradual water damage.
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Many homeowners don’t realize that standard home insurance policies have exclusions—things they won’t cover. Finding out what’s missing after something goes wrong can be a costly lesson. Understanding these gaps ahead of time can help you plan better and even add coverage where needed.

When Rachel and Tom received their home insurance renewal notice, they were shocked. Their premium had jumped by hundreds of dollars, even though they hadn’t filed a claim in years. They figured there had to be a way to lower their costs without giving up good coverage. After some research and talking to an independent insurance agent, they found several strategies that helped them cut their premium while keeping the protection they needed.
If you’re like Rachel and Tom and want to make sure your home insurance remains affordable without putting yourself at financial risk, here are some ways to lower your premiums while keeping solid coverage.

When David and Rachel bought their first home in Oklahoma City, they thought their homeowners insurance would cover just about anything that went wrong. A year later, their water heater burst, flooding the basement. Confident their policy would handle it, they called their insurance company—only to learn that damage from maintenance-related issues wasn’t covered. They were left paying thousands of dollars out of pocket.
Many Oklahoma homeowners assume their insurance will step in whenever disaster strikes. Unfortunately, standard homeowners insurance has exclusions, and learning about them the hard way can be expensive. Let’s look at some of the most common coverage gaps and how you can protect yourself from costly surprises.

When Dave opened his home insurance renewal letter this year, he nearly dropped his coffee. His premium had gone up by 15%—even though he hadn’t filed a single claim.

Confused and frustrated, he called his insurance agent to find out what was going on. What he learned was eye-opening. Rising home insurance costs in Oklahoma City are hitting homeowners across the board, and it’s not just bad luck—it’s the result of several major factors affecting the insurance industry.

If your home insurance costs are creeping up, you’re not alone. Let’s break down why premiums are increasing in 2025 and what Oklahoma homeowners can do to keep their costs manageable without sacrificing coverage.

John and Emily had lived in their Oklahoma City home for nearly a decade, raising their kids and hosting countless family gatherings. One cold evening, they lit their fireplace to take the chill out of the air. Hours later, they woke up to the smell of smoke. A stray ember had escaped onto the rug, and within minutes, the living room was engulfed in flames.
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The fire department arrived quickly, but the damage was already done. Their home was severely damaged, and they had to find temporary housing while repairs were made. When they filed their homeowners insurance claim, they faced an even bigger shock—some of the damage wasn’t fully covered because their policy hadn’t been updated in years.

Many Oklahoma homeowners don’t realize how much a fire can cost them—not just in property loss, but in unexpected coverage gaps. If you own a home in Oklahoma City or the surrounding areas, it’s time to make sure you’re protected.

When Jake and Amanda moved into their first home in Yukon, they felt prepared for anything—until their neighbor told them, “Floods are covered under home insurance.” A few months later, a heavy storm led to water damage in their basement, and they were shocked when their insurance company denied the claim.
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Oklahoma homeowners hear all kinds of myths about home insurance policies, and believing the wrong information can cost you thousands. Let’s set the record straight on some of the biggest home insurance myths floating around Oklahoma City, Edmond, Norman, and beyond.

When Scott and Julie bought their home in Moore, they knew Oklahoma’s weather could be unpredictable, but they never expected to need a roof replacement just three years later. A severe hailstorm ripped through their neighborhood, leaving behind cracked shingles, leaks, and an expensive repair bill. Their homeowners insurance policy covered some of the costs, but they quickly learned not all roof damage is treated the same.
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If you live in Oklahoma City or nearby areas like Norman, Edmond, or Yukon, knowing how your insurance covers roof damage is essential for protecting your home and your finances.

When Tom and Rebecca bought their home in Edmond ten years ago, they never imagined how much the cost to rebuild it could change. After a severe storm left their roof and siding in ruins, they were shocked to learn their homeowners insurance policy didn’t fully cover the cost of repairs. Their coverage amount was based on outdated replacement costs, meaning they had to pay thousands out of pocket.
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This scenario is more common than homeowners realize. If your home insurance policy hasn’t been updated to match today’s construction prices, you could be underinsured without knowing it.

Last January, Matt and Olivia were enjoying a rare weekend away when a winter storm rolled through Oklahoma City. When they returned home, they were greeted by the aftermath—water damage from a burst pipe had soaked their hardwood floors and seeped into their walls. The couple filed an insurance claim, expecting full coverage, only to learn their homeowners insurance policy had gaps that left them responsible for thousands in repairs.

​Oklahoma’s winter weather may not be as harsh as northern states, but it still presents serious risks. From frozen pipes to roof damage caused by ice and snow, understanding how your home insurance policy protects you—and where you may need additional coverage—can make all the difference when winter disasters strike.

When Bryan and his family moved into their Oklahoma City home, they knew Oklahoma weather could be unpredictable. But nothing prepared them for the violent storm that rolled through one spring night. High winds sent tree branches crashing into their roof, and golf ball-sized hail shattered their skylight. The next morning, Bryan expected his homeowners insurance policy to handle the damage. Instead, he discovered that his policy had exclusions he didn’t know about—leaving him with thousands of dollars in out-of-pocket costs.
For many homeowners in Oklahoma City, Norman, Edmond, Moore, and Yukon, severe weather isn’t just a possibility—it’s a certainty. But is your home insurance policy actually protecting you from storm damage? Let’s break down what’s typically covered, where you might need additional coverages, and how to prepare before the next big storm hits.