No state punishes a lazy home insurance decision like Oklahoma. Hail, wind, tornadoes, flash floods. Carriers price all of it, and they raise rates at renewal because they can. The fix is simple: make them compete.
Brad is an independent agent with Brad Martin - Premier Insurance, Oklahoma's largest independent agency. One form from you, 30+ carriers get your info, and you get real quotes back, usually the same day. A client's premium on a $1.5 million home was $16,940 at renewal. Brad shopped it to 15 carriers and brought it back at $8,400. Same coverage, same deductibles.
First-time home buyers
Closing soon? Your lender will want the policy bound before you sign, and a quote that looks high can quietly wreck a tight debt-to-income ratio. Start early and let Brad price it right. More on insurance for first-time home buyers.
Higher-value homes
Homes over a million dollars, historic properties with old roofs, places other carriers won't touch. That's where shopping 30+ carriers really pays, because different companies have completely different appetites for these risks. Read about insuring high-value and hard-to-place homes.
Smaller homes
A smaller house doesn't mean small savings. The same 30-carrier shootout applies, and on a modest premium every dollar saved is a bigger percentage back in your pocket. Bundle it with your autos and the discount stacks.
Renters
Your landlord's policy covers the building, not your stuff. Renters insurance costs about as much as a couple of streaming subscriptions and covers everything you own, plus a hotel if the place becomes unlivable. More on renters insurance.
Wind and hail deductibles
Most Oklahoma home policies treat wind and hail as their own category, with a deductible set as a percentage of your dwelling coverage instead of a flat dollar amount. On a $300,000 home, a 1% wind/hail deductible means the first $3,000 of storm damage comes out of your pocket. Brad shows you that number in dollars before you buy the policy, because it's the one you're most likely to use.
Actual cash value vs replacement cost
Actual cash value (ACV) pays what your roof or your belongings are worth today, minus depreciation. Replacement cost pays what it actually costs to replace them new. On a 15-year-old roof, that difference can be thousands of dollars on one hail claim. Brad will quote you both ways so you can see what upgrading really costs per year.
Already a client? Call before you file.
Hail damage. A tree on the fence. A pipe that lets go while you're at work. Call the office first: (405) 285-3218. Brad's team walks you through what your policy covers and whether filing is even worth it. A $1,000 repair against a $500 deductible might be money better spent out of pocket.