Coverage for everything you've built and everyone you love.
From your first car to your forever home, we write the personal lines that protect Oklahoma families through every stage.
Personal insurance from Hometown Insurance Edmond includes auto insurance, home insurance, renters insurance, life insurance, umbrella insurance, and guidance on the Oklahoma-specific wind & hail deductible.
Personal insurance in Oklahoma, made straightforward.
Personal insurance in Oklahoma looks different than it does in most of the country. Wind and hail exposure across the state has driven nearly every standard homeowners policy toward percentage-based wind/hail deductibles — usually one or two percent of dwelling coverage rather than a flat dollar amount. On a $300,000 home that's a real out-of-pocket cost when a storm rolls through. The state's uninsured-motorist statistics are higher than the national average, which makes UM and UIM auto coverage genuinely important. And Oklahoma's mix of older homes in established neighborhoods and newer construction in growth corridors means carrier appetite varies widely depending on where you live.
Hometown Insurance Edmond writes personal policies for individuals and families throughout Oklahoma. We're an independent agency, so we shop your coverage across more than 25 top-rated carriers and place you with the company that fits your specific situation — not the one we happen to sell. Renewals get re-shopped annually. Claims get a real person on the phone. And every policy gets explained in plain language before you sign anything.
What we protect for Oklahoma families.
Every policy is shopped across 25+ top-rated carriers. Every renewal gets reviewed. Every claim gets a real person on the phone.
Auto Insurance
Liability, collision, comprehensive, and uninsured motorist coverage built for Oklahoma roads — including hail protection and UM/UIM that actually matters here.
Explore auto coverage 02Home Insurance
Dwelling, contents, liability, and wind/hail protection sized to current Oklahoma rebuild costs. Replacement-cost coverage that actually rebuilds.
Explore home coverage 03Life Insurance
Term, whole, and final expense policies that protect your family's future. Honest advice on what type and how much actually fits your situation.
Explore life coverage 04Renters Insurance
Personal property, liability, and loss-of-use coverage for renters. Often under $20/month, especially when bundled with auto.
Explore renters coverage 05Umbrella Insurance
$1M-$5M of extra liability protection on top of your home and auto for ~$200-$500/year. The best price-to-protection ratio in personal insurance.
Explore umbrella coverage 06Oklahoma Storm Guide
Comprehensive guide to hail, tornado, wind, and ice damage claims in Oklahoma. What to do, what's covered, and how wind/hail deductibles really work.
Read the storm guideThe 30-second start. The week-long shop. The decade-long relationship.
Working with an independent agency for personal insurance is different from working with a captive 1-800 number. Here's what that actually looks like.
Step 1 — Share your info, fast.
Our online quote tool takes about 30 seconds to start. You can also call us. We use a secure portal to pull your current declarations pages — no manually retyping policy numbers.
Step 2 — We shop across 25+ carriers.
While you're at work, we run quotes through every carrier we represent. We compare apples-to-apples coverage, not just price. Different carriers structure deductibles, endorsements, and roof coverage differently, and we explain the trade-offs in plain language so you can compare on your own time. No pressure, no jargon, no "limited-time" tricks.
Step 3 — You choose. We bind.
Once you decide, we handle the paperwork, cancel the old policy if needed, and send you the new documents the same day in most cases.
Step 4 — We stay involved.
At renewal, we re-shop your coverage. When life changes — new home, new car, new business, new baby — we update coverage. When a claim happens, we're the first call. That's what real client relationships look like.
Ready to see what we can save you?
30 seconds to start your quote. Real options the same day.
Or call directly at 405-216-4979
