Charles Browning Insurance Agency

05/31/2026

💡 Let's talk about one of the most important — and most misunderstood — parts of your homeowners policy: how your claim gets PAID.

There are two ways an insurance company can settle a claim on your belongings or your home:

🔹 ACV — Actual Cash Value
This pays you what your property is worth TODAY, after depreciation. So if your 10-year-old roof gets destroyed, you're not getting a new roof — you're getting what a 10-year-old roof is worth. That gap comes out of YOUR pocket.

🔹 RCV — Replacement Cost Value
This pays you what it actually costs to REPLACE the item at today's prices, regardless of age or wear. That same roof? Covered at the full cost to replace it with a new one.

📌 Real-world example:
Your roof costs $15,000 to replace. With depreciation, its actual cash value might only be $7,000.

➡️ ACV policy = you get $7,000. You cover the rest.
➡️ RCV policy = you get $15,000. You're made whole.

Many people don't know which one they have until they file a claim — and by then, it's too late to change it. 😬

Want to know what your policy says? Send us a message and let's take a look! 👇

05/28/2026

💬 Now, let's talk deductibles. Do you know yours — or what they actually mean?

Most homeowners in our area have what's called a split deductible. You might see it written like this on your policy:

📄 $2,500 / 2%

Here's what that means:

🔹 $2,500 — Your standard deductible. This applies to most claims NOT related to wind or hail (think fire, water damage, theft, etc.).

🔹 2% — Your wind & hail deductible. But here's the part most people don't realize...

⚠️ That 2% is based on the INSURED VALUE of your home — not the cost of the damage.

So if your home is insured for $300,000, your wind & hail deductible is $6,000 — regardless of whether the repair costs $4,000 or $40,000.

Knowing this before you file a claim can make a huge difference. 💡

Have questions about your deductible? Drop them below or send us a message — we're happy to walk you through it! 👇

05/27/2026

Want to support a local business and find great playoff shirts? Stop by Simpson Shirt Co. ! Lots of cool options!

05/19/2026

We had a great time yesterday supporting the Oklahoma Sports Hall of Fame at Gaillardia!

Big thanks to Josh Denali Roofing and Construction for having us out!

05/16/2026

Go see the man! Best seafood in the metro without question.

I have a few sacks of crawfish 🦞 that just became available if you need a last minute boil!!!

05/13/2026

Huge shoutout to our favorite insureds over at Whiskey Cabinet Oklahoma. Their new private selections have officially arrived—and I’m lucky enough to say I helped pick this one out!

05/12/2026

Adventure shouldn't come with a "hidden fee" insurance premium. 🏔️🚤

If you feel like you’re overpaying for your Boat, ATV, Motorcycle, or RV insurance, The Browning Agency is here to help. From the highway to the harbor and everywhere in between, we’ve got you covered.

📍 On Road
📍 Off Road
📍 On the Water

Get a quote that actually makes sense.
👇 405-340-4998

02/18/2026

Woo Pig Sooie! 🐗

We’ve got big news at The Browning Agency…

We’ve officially expanded into Arkansas!

That means we’re now offering personal insurance (home, auto, life, specialty) and commercial insurance solutions to our friends in the Natural State. We’d love to be your trusted insurance partner and help protect what matters most.

Give us a call today at 405-340-4998 and let’s get you covered!

02/03/2026

The #1 thing I hear as an agent? "Life insurance is just too expensive."

Let’s bust that myth right now.

A healthy 35-year-old male can qualify for $500,000 in coverage for about $21/month.

That is $0.68 a day. To put that in perspective: That’s less than the tax on your morning latte. You’ve got the $0.68—the question is, do you have the 10 minutes it takes to protect your family's future?

Stop overthinking it and start protecting them.

📩 DM me "PROTECT" and let’s get your 10-minute quote started.

01/25/2026

Snowed in with nowhere to go? ❄️
You’ve officially got time to do the “important stuff.” In just 10 minutes, you can help protect your family’s future with life insurance. Easy, quick, and totally worth it. Stay warm and stay protected!