July 16, 2026
BryceHow Much Homeowners Liability Coverage Should You Carry?
Quick Answer Most homeowners should consider carrying at least $300,000 in liability coverage as part of their homeowners insurance policy, while many choose $500,000 for even greater liability protection. The right amount depends on your assets, lifestyle, and risks like owning swimming pools, trampolines, or dogs. If someone gets hurt or their property is damaged […]
July 15, 2026
BryceWhat Happens If Your Tree Falls on Your Neighbor’s House?
Who Pays for Fallen Tree Damage If your fallen tree damages your neighbor’s home because of a storm, your neighbor’s homeowners insurance will usually pay for the damage first. However, if the tree was dead, damaged, or you knew it was dangerous and failed to remove it, you could be held responsible. Every insurance claim […]
July 14, 2026
BryceDoes Homeowners Insurance Cover Cosmetic Roof Damage or Functional Roof Damage?
Quick Answer Homeowners insurance usually covers functional hail damage and other storm damage caused by covered events like hail or wind. Cosmetic hail damage may not be covered depending on your Homeowners Insurance Policy. The only way to know for sure is to review your insurance policy and have your damaged roof inspected after a […]
July 9, 2026
BryceCan Homeowners Insurance Deny a Roof Claim Because Your Roof Is Old?
If your roof is getting older, you may be wondering if your homeowners insurance will still cover it after a storm. This is one of the most common questions homeowners ask after hail, high winds, or a tornado. The short answer is yes, an insurance company can deny a roof claim in some situations—but not […]
June 22, 2026
BryceCan Your Credit Score Affect Auto Insurance Rates in Oklahoma?
If you’ve ever wondered why your auto insurance quote seems higher than expected, your credit score could be part of the reason. Yes, many insurance companies in Oklahoma use credit information when calculating auto insurance rates. Along with factors like your driving record, ZIP code, insurance claims history, and the type of auto insurance coverage […]
June 16, 2026
BryceWhat Happens If Someone Gets Hurt at Your Campsite? Does Insurance Cover It?
Camping is one of the best ways to enjoy Oklahoma’s beautiful outdoors. Whether you’re spending the weekend at Lake Thunderbird near Norman, camping by a lake outside Oklahoma City, or taking your RV to a campground near Yukon or Newcastle, accidents can happen when you least expect them. But what happens if someone gets hurt […]
June 15, 2026
BryceDoes Homeowners Insurance Cover Foundation Damage in Oklahoma?
Oklahoma homeowners face unique foundation challenges due to the state’s expansive clay soils, severe weather, drought conditions, and heavy rainfall. These conditions can cause foundations to shift, settle, and crack over time. If you’ve noticed signs of foundation damage, you may be wondering: Does homeowners insurance cover foundation damage in Oklahoma? The answer is sometimes. […]
June 11, 2026
BryceWhat Does “Full Coverage” Auto Insurance Cover in Oklahoma and Is It Worth It?
If you’ve ever shopped for auto insurance, you’ve probably heard the term full coverage auto insurance. Many Oklahoma drivers assume it means their vehicle is protected from absolutely everything. The truth is a little different. Full coverage auto insurance is not a specific type of policy. Instead, it’s a combination of coverages that can help […]
June 9, 2026
BryceWhat Is an Actual Cash Value Roof Policy and Is It Right for Oklahoma Homeowners?
An Actual Cash Value (ACV) roof policy pays for roof damage based on the roof’s depreciated value rather than the full cost of replacing the roof. Oklahoma homeowners with Actual Cash Value Coverage may get smaller insurance payments than those with Replacement Cost Coverage. This happens because the insurance company subtracts depreciation before paying the […]
June 2, 2026
BryceDoes Homeowners Insurance Cover Tornado Damage in Oklahoma?
Last Updated: June 2026 Yes, most homeowners insurance policies in Oklahoma cover tornado damage caused by wind damage, hail damage, fallen trees, and flying debris. Flood damage usually needs separate flood insurance. Coverage depends on your deductible, roof age, coverage limits, and policy type. From Oklahoma City and Moore to Norman, Edmond, Yukon, Newcastle, and […]