Homeowners Insurance That Protects What Matters Most.
Your home isn’t just your biggest investment—it’s where life happens. Whether you own a house in Choctaw or a property elsewhere in Oklahoma, we provide flexible, clear homeowners insurance that fits your lifestyle & budget. Our independent agency works for you, not the carriers.
Peace of Mind, Right at Home
Smart Protection for Your Most Important Investment
Why Clients Stick With Us
We Find the Right Policy, Not Just Any Policy
We compare rates from top-rated carriers to find the best mix of price, protection & value. You’ll know what’s covered—and what’s not—before you ever sign anything
We Make Coverage Easy to Understand
We take the guesswork out of homeowners insurance by breaking it down into plain language. Whether it’s deductibles, replacement cost, or coverage limits—we’ll walk you through it.
We’re Here When You Need Us
Claims don’t always happen during office hours. When something goes wrong, we’re a phone call away. You’ll talk to someone who knows your policy—and your name.
Structure & Dwelling Coverage
Structure & Dwelling Coverage
This covers the physical structure of your home—walls, roof, flooring & everything in between. We make sure your coverage reflects what it would cost to rebuild, not just what you paid years ago.
- Covers fire, hail, wind & lightning
- Protects attached structures like garages
- Covers replacement cost, not depreciated value
- Required by most mortgage lenders
- Customizable for your property type
Personal Property
Coverage
Personal Property Coverage
Your belongings are just as important as your walls. Personal property coverage helps replace things like furniture, electronics, clothes & more if they’re damaged or stolen.
- Covers theft, fire & covered disasters
- Protects belongings inside & outside the home
- Can include replacement cost coverage
- Scheduled items for valuables like jewelry
- Custom limits based on your needs
Personal Liability & Medical Payments
Personal Liability & Medical Payments
If someone is injured on your property or you’re held responsible for damages, liability coverage helps protect your assets. It also includes medical payments for minor injuries.
- Helps with legal fees & settlements
- Covers injuries to guests
- Optional higher limits available
- Can include pet liability
- Umbrella coverage available for added protection
Let’s Clear Things Up
Homeowners Insurance Questions We Hear Often
Do I need homeowners insurance if I own my home outright?
While it’s not legally required, having coverage protects your home, belongings & liability. One accident or storm could cost more than a policy ever will.
What’s not covered by standard homeowners insurance?
Most standard policies don’t cover flooding, earthquakes, sewer backups or neglect-related damage. We’ll help you identify what gaps may exist & how to close them.
Will my policy cover my detached garage or shed?
In many cases, yes. We’ll review what’s included under your dwelling coverage & adjust your policy if needed to cover additional structures.
What’s the difference between replacement cost & actual cash value?
Replacement cost pays for a brand-new item, while cash value factors in depreciation. We can help you choose which option fits your needs.
Can I bundle my homeowners & auto insurance?
Absolutely. Bundling often means savings & convenience. We’ll shop top carriers to find a bundle that works for you.
We Can Cover More Than You Think
From weather damage to theft, a solid homeowners policy can protect your house, personal belongings, & your liability. We’ll help you build a plan that fits your life.
Need to insure a detached garage, outbuilding, or unique property detail? We’ve seen it all & can customize your policy with endorsements, riders & specialty options.