Charles Browning Insurance Agency

Charles Browning Insurance Agency Insurance Agency Serving the Edmond, OK area since 2021, I can help you understand your coverage options so you can protect what matters most to you.

Whether you're looking for homeowners insurance, auto insurance, renters insurance, or another kind, I'm here to help you understand the insurance coverage you may want. Stop by in person, reach out online or call to get a free quote today.

06/17/2026

📋 We touched on liability limits in an earlier post — today let's go deeper. Because those numbers on your policy actually mean a lot more than most people realize.

WHAT YOUR LIABILITY LIMITS ACTUALLY MEAN

You've seen the numbers: 25/50/25. Or maybe 100/300/100. But what do they actually mean when it matters most?

Let's decode it:

🔹 First number — Bodily Injury per Person
The max your insurance will pay for ONE person's injuries in an accident you caused.

🔹 Second number — Bodily Injury per Accident
The total max for ALL injuries in a single accident. Once this is hit, your coverage stops — no matter how many people are hurt.

🔹 Third number — Property Damage
The max your insurance pays for damage you caused to someone else's vehicle or property.

📌 Real world example with 25/50/25:
You cause an accident injuring 3 people. One person has $30,000 in medical bills.

❌ Your policy only covers $25,000 for that one person.
❌ You're personally responsible for the remaining $5,000 — plus anything over the $50,000 total limit.

Now think about what a serious accident with a newer vehicle or multiple injuries could cost. Medical bills alone can reach six figures.

⚠️ State minimums are the floor — not the recommendation. Most insurance professionals suggest at least 100/300/100 for adequate protection.

Not sure what limits you're carrying? 👉 Message us and let's make sure you're not underexposed!

🚨 This one might be the most important coverage you're not thinking about.UNINSURED & UNDERINSURED MOTORIST COVERAGEHere...
06/13/2026

🚨 This one might be the most important coverage you're not thinking about.

UNINSURED & UNDERINSURED MOTORIST COVERAGE

Here's a scary stat — Oklahoma consistently ranks as one of the highest states in the country for uninsured drivers. That means every time you get behind the wheel, there's a real chance someone near you has little or no insurance.

So what happens if one of them hits YOU?

Without uninsured/underinsured motorist coverage, you could be stuck paying for:
• Your own medical bills
• Your lost wages if you can't work
• Repairs to your vehicle

…all because someone else didn't carry proper insurance.

🔹 UNINSURED MOTORIST (UM)
Kicks in when the at-fault driver has zero insurance.

🔹 UNDERINSURED MOTORIST (UIM)
Kicks in when the at-fault driver has insurance — but not enough to cover your damages.

📌 Example: Someone rear-ends you and causes $40,000 in medical bills. They only carry the state minimum of $25,000. Your UIM coverage picks up that remaining $15,000.

This coverage is typically one of the most affordable add-ons on your policy — and one of the most valuable.

⚠️ Don't assume the other driver is covered. Make sure YOU are.

👉 Questions about your current auto policy? Send us a message — we're happy to help!

🚗 People say they want "full coverage" — but do you know what that actually includes? Let's talk about two coverages tha...
06/11/2026

🚗 People say they want "full coverage" — but do you know what that actually includes? Let's talk about two coverages that protect YOUR car:

COLLISION vs. COMPREHENSIVE

These two are often confused, but they cover very different situations.

🔹 COLLISION
Covers damage to your car when it collides with something — another vehicle, a guardrail, a fence, a pothole. If you're driving and something goes wrong, this is the coverage that fixes your car.

🔹 COMPREHENSIVE
Covers damage to your car from things outside of your control — think:
• Hail — huge one here in Oklahoma 🌩️
• Theft or vandalism
• A deer or animal collision
• Falling trees or debris
• Flooding

Easy way to remember it: If you ran into something, that's collision. If something happened TO your car, that's comprehensive.

📌 Both come with their own separate deductible, so you'll want to think about each one independently.

❓ Do you need both? If you have a loan or lease on your vehicle, your lender almost certainly requires both. If you own your car outright, it depends on the value of your vehicle vs. the cost of the coverage.

Not sure if you have the right coverage for your situation? 👉 Message us and let's take a look!

🚗 Let's kick off a new series — this time we're talking AUTO insurance. And we're starting with the most important cover...
06/09/2026

🚗 Let's kick off a new series — this time we're talking AUTO insurance. And we're starting with the most important coverage on your policy:

LIABILITY COVERAGE.

Here's something a lot of people get wrong — liability coverage does NOT protect your car. It protects everyone else.

If you cause an accident, liability coverage pays for:
• The other driver's vehicle repairs or replacement
• Medical bills for anyone injured in the other car
• Legal fees if you get sued as a result

Without enough liability coverage, those costs come straight out of your pocket. And in a serious accident, we're talking tens of thousands — or more.

📌 You'll see liability limits written like this on your policy: 25/50/25

Here's what that means:
• $25,000 per person for bodily injury
• $50,000 total per accident for bodily injury
• $25,000 for property damage

Those are actually Oklahoma's state minimums — and honestly? They don't go very far in a serious accident.

⚠️ If you're only carrying minimum liability, you could still be personally on the hook for damages that exceed your limits.

We'll break down how to choose the right limits in an upcoming post. Until then — do you know what limits you're carrying? 👉 Send us a message and let's talk!

🏠 One of the most common reasons a homeowners claim gets denied? The damage is considered wear and tear — not an insurab...
06/06/2026

🏠 One of the most common reasons a homeowners claim gets denied? The damage is considered wear and tear — not an insurable loss. Let's break down the difference.

Homeowners insurance is designed to cover sudden, accidental damage. It is NOT a home maintenance plan. Here's what that looks like in practice:

✅ INSURABLE DAMAGE:
• A hailstorm cracks your shingles overnight
• A tree falls on your roof during a storm
• A pipe suddenly bursts and floods your floor
• Lightning strikes and damages your HVAC unit

❌ WEAR & TEAR (typically NOT covered):
• A roof that's deteriorated over 20 years of exposure
• Plumbing that's slowly corroded over time
• Siding that's faded, warped, or cracked from age
• An HVAC unit that stopped working from lack of maintenance

📌 The key question insurers ask:
"Was this caused by a sudden, identifiable event — or did it happen gradually over time?"

If it happened gradually, it's likely going to be denied.

⚠️ Why does this matter? Because a lot of homeowners file a claim expecting coverage, only to get denied AND have that claim show up on their insurance record — which can still affect your rates even if nothing was paid out.

When in doubt, call us before you file. We can help you figure out if it's worth it. 👇

🤔 Should you file a homeowners insurance claim? It's not always a simple yes — and this is a conversation most people ne...
06/04/2026

🤔 Should you file a homeowners insurance claim? It's not always a simple yes — and this is a conversation most people never have until it's too late.

Here's the truth: filing a claim can affect your rates and even your insurability for years. So before you pick up the phone, ask yourself these questions.

✅ WHEN YOU SHOULD FILE:
• The damage is significant and well above your deductible
• There was a liability incident (someone was injured on your property)
• You genuinely cannot afford to cover the repairs out of pocket
• It's a major loss — fire, major storm damage, large-scale water damage

❌ WHEN YOU MIGHT WANT TO THINK TWICE:
• The repair cost is only slightly above your deductible — after your deductible, the payout may not be worth the rate increase
• It's minor damage you could reasonably cover yourself
• You've already filed a claim in the last few years — multiple claims in a short window can make you a higher risk in the eyes of insurers
• The damage is from neglect or wear and tear (these typically aren't covered anyway)

📌 Here's a rule of thumb we tell our clients:
If the damage is less than 2x your deductible, it's often worth paying out of pocket.

So on a $2,500 deductible, if repairs are under $5,000 — you may want to handle it yourself and protect your claim history.

Every situation is different though. Not sure what to do after damage occurs? 👉 Call us before you call the insurance company — we can help you think it through!

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! 👇

Want to support a local business and find great playoff shirts? Stop by Simpson Shirt Co. ! Lots of cool options!
05/27/2026

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

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!

Address

20 E Ayers Street
Edmond, OK
73034

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14053404998

Website

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