After a spring hailstorm in Moore, the Stevens family discovered major damage to their detached garage. The roof had holes, the siding was shredded, and water leaked onto tools and boxes inside. They assumed insurance would cover everything—but they didn’t realize detached garages fall under “other structures” coverage, which had a much lower limit.
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Garages are one of the most overlooked parts of home insurance. Whether it’s attached to your house or sitting separately on your property, your garage often holds expensive items—cars, tools, appliances, and even freezers full of food. Knowing how coverage applies in Oklahoma City can save you from major financial surprises.

One January morning in Edmond, the Johnson family returned from a weekend trip to find water pouring through their ceiling. A pipe in the attic had frozen and burst, flooding the living room and soaking thousands of dollars in furniture. Their first thought was panic. Their second thought: “Will insurance cover this?”
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Water damage from broken pipes is one of the most common claims Oklahoma homeowners face. But coverage isn’t always straightforward. While home insurance often pays for sudden, accidental pipe breaks, it may exclude damage caused by neglect or poor maintenance. Understanding the difference can help you avoid surprises when disaster strikes.

On a Friday night in Edmond, the Sanders family fired up their new outdoor kitchen for the first time. The grill sizzled, the firepit glowed, and friends gathered under the string lights for burgers and laughter.

​It was the perfect backyard setup—until a storm the following week brought high winds and hail. A fallen limb cracked the stone countertop, and the firepit sustained damage. When the Sanders called their insurance company, they got a surprise: their policy limits didn’t cover the full repair.

As more Oklahoma homeowners invest in outdoor kitchens, fireplaces, pergolas, and firepits, questions about insurance coverage become more important. These features aren’t cheap, and they’re vulnerable to the state’s unpredictable weather. So how does home insurance handle these popular backyard upgrades?

On a warm August night in Oklahoma City, the Millers were hosting a backyard cookout when a sudden windstorm ripped through their neighborhood. A section of their roof peeled back, the fence toppled, and a guest tripped on broken boards. They felt confident their home insurance would cover the mess—until they learned their deductible had doubled and their fence coverage wasn’t enough to rebuild.

Many homeowners in Oklahoma City assume their policies cover “everything.” The truth? Gaps are everywhere, and they don’t usually show up until after a claim is filed. If you’ve lived in Oklahoma long, you know storms, hail, and unpredictable weather are part of life. That’s why reviewing your coverage now—not after disaster hits—is so important.
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Here are 5 common gaps in home insurance coverage for Oklahoma homeowners that can leave you vulnerable.

On a humid summer evening in Edmond, the Thompsons were finishing dinner when the sound of pounding hail hit their roof like a freight train. By morning, their shingles were dented, their siding was scarred, and the back patio window was cracked.

​The cleanup was overwhelming, but the bigger question loomed: would their home insurance cover the repairs, or would they be stuck footing the bill?

If you live in Oklahoma City or the surrounding area, hailstorms are not a rare event—they’re a regular threat. Oklahoma ranks among the top states for hail damage claims, with storms rolling through each year that leave homes battered and homeowners scrambling. Understanding how your policy works can save you thousands and help you sleep easier when the next round of storms blows in.

After one of those late-summer storms rolled through Norman, the Sanders family came outside to find half their backyard fence knocked down by strong winds.

​Posts were splintered, boards were scattered across the yard, and they were left wondering whether their homeowners insurance would help cover the cost.

Fences are one of the most common structures damaged during Oklahoma’s storms, but not every homeowner knows how their policy applies.

After a scorching week in Edmond, the Clark family came home to find a large water stain spreading across their living room ceiling. The culprit wasn’t a storm — it was their air conditioner’s condensate line, clogged with debris. Water had backed up, leaked into the attic, and dripped into their home.
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In Oklahoma City, where air conditioners run almost nonstop in summer, AC-related water damage is surprisingly common. But does home insurance cover it? The answer depends on how the damage happened.

For the Mitchell family in Edmond, it was supposed to be the perfect summer evening. Friends came over, the grill was fired up, and everyone enjoyed the new patio furniture under the string lights.

​The next morning, they stepped outside to find the grill gone and several chairs missing. Their first thought was, “Will home insurance cover this?”

It’s a question many Oklahoma homeowners ask after a theft. The answer is yes — but with important limits and conditions.

When Robert’s roof in Moore was damaged by hail, he expected his home insurance to handle the repairs. But when the adjuster explained his deductible, he realized the payout would be thousands less than he thought.

​That storm taught him a lesson many Oklahoma homeowners learn too late: understanding your deductible is just as important as knowing your coverage.