Halloween lands on a Saturday this year. That means more parties, later nights, and a lot more kids walking up to your front door than you'd see on a school night.

Most folks spend October thinking about candy and costumes. I spend it thinking about front steps, extension cords, and the family dog. I'm not trying to ruin anybody's fun. Halloween is a great night in most neighborhoods around here. But it's also one of the few nights a year when dozens of people you've never met walk across your yard in the dark, and that touches your home insurance in more ways than people expect.

If a trick-or-treater got hurt on your porch Saturday night, would you know which part of your policy pays for it?
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Here's what to know before you turn the porch light on.

The first cold night always sneaks up on Oklahoma. One week the air conditioner is still running. The next week somebody is digging the space heater out of the hall closet and trying to remember when the chimney was last cleaned.

That first cold snap is a good time to think about fire. Your heating equipment sat unused all summer, and now it's going to run every night for months. This post covers what your home insurance does and doesn't pay for when heat turns into a fire.

For everything else that comes with the cold months, from fall storm season to frozen pipes, start with our Fall and Winter Home Insurance Guide.

Most of us in Oklahoma City think of winter weather as a January problem. Then October 2020 happened.

From October 26 to 28 that year, freezing rain coated central Oklahoma. The National Weather Service recorded more than half an inch of ice across a wide stretch from Ponca City through Oklahoma City down to Lawton, and an inch and a half or more in parts of the state. OG&E reported more than 400,000 outages at the peak, the most it had ever seen from a single storm.

More than 1,300 power poles were damaged or destroyed. Some families in the metro went 11 days without power.

It is fall again. The trees in your yard still have their leaves, and that detail matters more than most people realize.

September is National Preparedness Month. Most of the advice you'll see this month is about flashlights, weather radios, and where the family goes when the sirens start. All of that matters. If you want a place to start, our practical preparedness guide for Oklahoma homes covers the basics.

But there's a piece of being prepared that almost nobody talks about. It's the part that happens after the storm passes, when you're standing in the driveway looking at the damage and trying to figure out what to do next.

That part goes a lot smoother if you set it up now, on a calm September afternoon, instead of in the middle of a mess. The timing works, too. Oklahoma gets a second, smaller storm season once the weather starts to turn, and fall hail is not unheard of here.
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If something happened to your house tonight, would you know exactly what to do first?

Fall is roof season in Oklahoma City. The spring hail claims finally got settled, the roofers who were booked solid all summer are catching up, and a lot of new roofs are going on between now and the first hard freeze. Drive through almost any neighborhood in the metro right now and you will see a dumpster in a driveway and a crew on top of a house.

That tracks. Verisk's 2025 roofing report found that roughly half of the roofs in Oklahoma took hail damage over a four-year stretch, the highest rate in the country.

If yours is one of the roofs coming off this fall, there is one decision worth making before the old shingles hit that dumpster. It has to do with how the new roof gets built, and it can change what you pay for home insurance for as long as you own the house. The short version of this whole post is simple.

​Before you sign with a roofer, call us at Oklahoma Insurance Professionals so we can make sure the roof you are paying for earns the insurance credit it should.

If you were watching Friday night, you already know how that one went. OU put up 51 on UTEP and the defense did not give up a single point. Four sacks. Two forced fumbles, both recovered. Five three-and-outs. UTEP missed all three field goal tries and finished the night with 198 total yards.
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A shutout is not one guy having a great game. It is every layer doing its job, and the next layer being there when the first one gets beat.

I think about coverage the same way. Most homeowners in Oklahoma City have one layer they feel good about and three they have never actually looked at. That works fine right up until it doesn't.

Labor Day usually marks the last big push on outdoor projects before everybody's attention shifts to school schedules and football season. If you're like a lot of my clients, that means you spent part of this summer adding a shed, finally turning the garage into a real workshop, or fixing the fence that took a beating from storms back in the spring.

​Good time to make sure your insurance actually matches what's sitting in your backyard now.

It feels a little ridiculous to talk about fall when it is a hundred and something degrees outside and the asphalt is basically melting, but believe it or not, it really is right around the corner.

​Fall in Oklahoma City is short. One week it is still ninety degrees, and the next week we are watching the first cold front roll through with a line of storms behind it. Before that happens, it is worth taking an hour to look over your home insurance and make sure it still matches your house.

I go through this same list every fall with my own clients, and most of it takes just a few minutes per item. None of it requires a policy change unless you find something that needs one.

August in Oklahoma City doesn't let up easy. The ground is baked hard, the A/C hasn't had a day off in weeks, and half the neighborhood is squeezing in one more trip before school starts back up. Most of that just feels like normal summer.

​But a few of these things touch your home insurance more than people realize, so I wanted to run through what I'm hearing about most from clients right now.

If your house is brand new, does that mean your coverage is automatically right?
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Oklahoma City has been expanding for years now. New subdivisions keep pushing out toward Piedmont, Mustang, Yukon, and the growth corridors south toward Moore. If you bought a home in one of these newer neighborhoods in the last couple of years, there is a good chance you assumed a new house comes with fewer insurance headaches than an older one. In a lot of ways that is true. But growth like this creates its own blind spots, and they are not the ones most new homeowners are watching for.