Hometown Insurance Edmond

10/06/2025

What a way to kick off the week! 💥 We just saved one of our newest clients $3,670 on their auto insurance (yes, you read that right—one policy alone!).

If you’re still overpaying, now’s the time to find out what Hometown Insurance can do for you. 💸🚗 Give us a call and let’s see how much we can save YOU!

10/06/2025

We’re excited to announce that we’re building a Preferred Vendors Page on our Hometown Insurance website! 🎉

Our clients often ask us for recommendations on trusted local businesses — from realtors and mortgage brokers to contractors, auto repair shops, financial planners, and more. We want to feature the very best in our community.

If you’re a local business that would like to be considered for this page, send us a message! 🚀 Vendors featured will get:
✅ A dedicated listing with a link back to your website
✅ Exposure to our client base and online visitors
✅ More local visibility and trust

We’re looking forward to building stronger local connections and showcasing amazing businesses right here in our community. 💙

10/06/2025

💡 What if a quick insurance quote could save you thousands and earn you a Starbucks on us? ☕✨

At Hometown Insurance, new clients save an average of $2,200 a year when we compare “apples to apples.” On top of that, we’re the only agency in the area that re-shops your policies every single year before renewal — making sure you’re always getting the best coverage for your hard-earned money.

👉 Here’s the deal:
✅ Let us quote your home & auto insurance
✅ No purchase necessary
✅ Walk away with a FREE $10 Starbucks gift card
✅ Plus the chance to keep more cash in your pocket every year

It’s a win-win! Who wouldn’t trade 5 minutes for free coffee and big savings?

📲 Message us today to get started!

11/28/2024

This Thanksgiving, we’re especially thankful for you—our valued clients. Your trust in us to protect what matters most is a privilege we never take for granted.

As you gather with loved ones, know that we’re here, always ready to support and protect your future. Wishing you a safe, joyful, and peaceful holiday! 🧡

11/19/2024

Who wants to spend all day shopping for reasonably priced insurance with the coverages you need?

No? We’ll give us a call/text/DM today! We can shop ALL these carriers and send you quotes the same day!

Press the easy button and let us do the work for you!

405-922-5847 (call/text)

10/16/2024

07/29/2024

Hi friends! We have a new homeowners carrier here in OK who is killing it with both rates and coverage options! Saved 4 clients a total of $9000 last week alone. Who wants a FREE quote?

03/27/2024

PSA to all my friends:

After 25, (yes 😳 25 years) in the insurance biz, I feel compelled to share some things that may help some of my friends with what I see daily as "insurance shock and awe". It is rampant, not just here in OK, but honestly in all 15 or so states in which we are writing. Here are some tidbits of info that may help you to: a) understand what is happening (and why) and b) figure out how to make this manageable from a financial/exposure standpoint.

First off, the issue is not on the auto side, it is on the HOMEOWNERS side. Every insurance company in OK loses money consistently, year after year on the homeowners side. This is a well known fact. However, in all my 25 years, I have never seen a shift like the one that has occurred during the past 6-12 months. Here are some significant changes and what they mean for you.

1) at least 6 carriers have exited the state of OK altogether (some through receivership, which is akin to BK);
2) of the ones who stayed here, the average per household increase here in OK from 2022 to 2023 is around 40%;
3) almost ALL carriers are increasing their wind/hail deductibles and almost all have implemented a "percentage (%)" wind/hail deductible. This is not a percentage of your claim, this is a percentage of your DWELLING limit. AKA a $500K home with a 2% wind/hail deductible means $10K out of your pocket on any storm driven loss;
4) there ARE significant ways you can save! There ARE ways you can purchase a policy to meet your needs while still being able to afford the premium.

Here are some facts that may be useful for you to know/understand this market shift, mainly to gain some perspective:

1) Travelers has implemented a MINIMUM 3% wind/hail deductible here in OK;
2) Safeco has implemented a MINIMUM 2% wind/hail deductible
3) Foremost will NO LONGER write any landlord policies through any agents here in OK. Cornerstone has taken the exact same stance as well.
4) Foremost is cancelling ALL Farmers agent written homeowners policies in OK (these are VERY tough to place right now as most other carriers are not even writing them)
5) Mercury and Safeco will barely write homes, most have implemented a "pre-bind pause" which means you will have to provide a litany of information and wait 15 days before they will even consider offering you a quote
6) State Farm has all but pulled out of CA, I foresee something similar happening here in OK at some point (although I am not a SF agent, I do follow financial trends so I am allowed to make my own predictions). If nothing else, I could see them slashing exposure mainly in the metro areas. Rural area policies should be fine.
7) Farmers has a similar situation going on as they have completely pulled out of Florida altogether and historically, OK is equally as unprofitable as Florida. I predict the same as #6 with them.
8. Hanover/Encompass will ONLY consider writing a homeowners policy IF they have a bundled auto package (profitability on the auto side is the only way in which they are staying in business here)
9) Progressive will consider writing your policy but in about 50% of the cases I see, they are requiring a FULL home inspection to be done, at your expense, in order to consider writing your policy.
10) I believe Liberty Mutual has all but pulled out of OK, the policies I have seen left here are priced considerably out of the market.
11) Most carriers will not even consider writing a homeowners policy with more than 2 claims, especially if they are the same cause, such as water or fire. These are pretty much impossible to write.

My point here is this. 1) Insurance companies are not "getting rich" as most people like to say, 2) Insurance companies do NOT want to write homeowners business here in OK as it is a VERY unprofitable business in which to engage, 3) The days of a "free roof" or even a significant portion of your roof being paid to replace every few years are long behind us 4) This is just the tip of the iceberg. 2023 was the most unprofitable year on record to date so those numbers will impact 2025 premium rates once the statisticians get to work.

I am definitely NOT trying to be the bearer of bad news here but I am hoping to educate people so that they don't think it is "just them" or "why when they have never filed a claim" etc etc. I feel like 99% of the people I talk to have very little understanding of the backbone of this business, which is understandable. This is what I live in daily so I understand it wholeheartedly. There ARE ways in which to minimize your exposure and balance that with your premium cost but you really need to be with an experienced agent who has been in this business through many of these cycles and truly understands the entire nature of it. An experienced agent can help you to not only understand the "why". They also need to be proactive for not just this year, but next year as well.

There ARE things you can do to impact your insurability and there are things that you can do to make yourself more desirable from an insurance carrier's perspective. My staff and I try to educate ourselves regularly on the comings and goings of the current (and upcoming) market so that WE can be the best help to YOU, not just peddle a product. I don't know much about much, but I have been in this business through 6 full underwriting cycles, so I know the ins and outs of this business like the back of my hand. Call me if you want straight talk, straight answers and some real strategies you can implement to make this situation more bearable for you and your family.

Thanks for joining my TED talk, friends.

10/09/2023

Great article for anyone wondering why this years insurance rates averaged a 50% increase. Larger than any I have seen on any year in my 24 year career in this business. This is shocking amd scary at the same time.

To put this number of billion-dollar natural disasters into perspective, from 1980 to 2022, the national average was 8.1 billion-dollar events (CPI-adjusted) per year.”

“When looking at the previous five years (2018 to 2022), that average jumps to 18 per year; but even that number falls short of the 23 events that have occurred so far in 2023.”

According to the NOAA, as of September, 23 billion-dollar-plus climate disasters have struck the United States in 2023.

09/15/2023

**IMPORTANT INSURANCE NEWS**

Hi friends! As most of you are likely aware, this year has been one of the most challenging years to date here in Oklahoma with respect to the insurance industry, specifically relating to property insurance. We have seen changes happening quicker than ever before, carriers exiting the state, issuing moratoriums on new business and premiums increasing at an astonishingly high rate. I have been an agent for 23 years and what I personally have seen this year is unprecedented.

That being said, we receive new news literally every single day on changes in the market. Here is one that came down the pipeline today and will have a major impact on a LOT of people here in Oklahoma.

Foremost Insurance Group, which is owned by Farmers Insurance, issued a notice just yesterday to its Farmers agents in Oklahoma that they will be non-renewing all Farmers agent written Foremost landlord policies effective November 15, 2023. These will occur AT renewal, so if your Foremost policy renews next June, you don’t need to worry until May. However, the market may be even tighter then, so think on that aspect as well.

If you are my client and wrote a Foremost landlord policy through our agency, do not worry, at this time Foremost IS renewing all independent agents Foremost policies. That is the GOOD news.

However, if you have a Foremost landlord policy and it was written by a Farmers agent please be aware and prepared to shop that policy elsewhere prior to your next renewal. I’m not sure what other options the Farmers agents have, but you should reach out in due time so that you’re not left without coverage for your rental home.

We at Hometown Insurance currently have 6 other carriers who will write these types of policies (as of today, tomorrow that could change 😫). We are happy to help you in whatever way we can in order to ensure that you are not left without this very valuable coverage.

This market is TOUGH but we at Hometown are proactive about catching these situations early and searching all available markets to ensure that our clients are secured by the best coverage available for the best possible price.

Please reach out to me directly with any questions you may have.

(405) 922-5847 direct line

09/08/2023

mportant Insurance Announcement:

A few weeks ago, I posted about the property insurance situation here in Oklahoma, specifically relating to Homeowners insurance policies. I stated that, in order for carriers to remain operating here in Oklahoma (and remain financially solvent), they would ALL be doing one of 3 things, drastically increasing premiums (often by double), drastically decreasing coverage (mainly roof coverage) by shifting that financial burden to us, the policyholders OR exiting the state of Oklahoma altogether. This is still true.

However, when an insurance carrier cannot take these actions quickly enough, they become what is known as insolvent. This essentially means that they no longer have adequate funds in reserves to pay claims. When this happens, they go into what is known as receivership, which essentially means that they are taken over by the state DOI and a receiver is appointed to take over the company and attempt to pay off it's debts/creditors. There are a LOT of carriers in Florida that this began happening to earlier this year but now it has, unfortunately, begun here in Oklahoma. United Home Insurance, aka UHIC, has announced that they are officially in receivership.

I personally, began moving around 90% of my policyholders from UHIC around March of this year and will continue to do so until 100% of my policyholders are switched to one of my other 15 of so carriers. I had intended to do this at each policy renewal, but with this announcement made 2 days ago, I will be doing this within the next 30 days or so, as quickly as I can. That is my personal decision as a business owner, based upon my own 23 years of experience as an agent. It is being done for the protection of my clients' assets.

If you are insured by United Home Insurance Company, otherwise known as UHIC, I highly suggest that you contact your agent and request for them to seek a different insurer for your home and/or auto policies. I will tell you that the initial sticker shock will be significant, as their premiums were around half that of the entire market overall (hence the reason why they are in such dire financial condition).

That being said, this is the writing on the wall, so to speak. I predict that within 5 years we will have far fewer carriers operating here in Oklahoma, they will be operating only by continuing to increase premiums to unprecedented levels and eventually we will all be buying our own roofs OR buying supplemental policies (wind/hail buyback policies) on top of our existing policies to "buyback" our high wind/hail deductibles. In other words if you have a $15,000 wind/hail deductible in order to keep your homeowners premium reasonable then you could purchase an additional policy that you would pay each month on top of your regular policy that would "buy down" your deductible to say, $2500 or $5000, something like that.

I hate to be the bearer of bad news or seem like a Debbie downer on everyone's favorite day of the week but I do feel that this is important information to share. If you are one of my clients, I will be contacting you asap to have the conversation about whether you want to continue with your UHIC policy until renewal OR allow me to switch to a different (likely higher priced) carrier now. If you are with a different agent, I do highly suggest you call and have this conversation with them as well.

Again, sorry to be the bad news bear today. Unfortunately, this is the reality of what is happening here in the insurance market in Oklahoma right now. 😪

**This post is made shareable, so feel free to share at your discretion**

Storm losses took a toll on the company's bottom line. In addition to Arkansas, the company also wrote coverage in Kentucky, Missouri, Oklahoma, Tennessee.