Jim Holmes Insurance Agency

Jim Holmes Insurance Agency We are an independent agent. Jim Holmes Insurance Agency offers auto, home, commercial, RV, MC, and ATV. Family owned since 1956.

Tornado season in Oklahoma can get serious fast. One of the biggest questions homeowners ask after a storm is:“Does home...
06/02/2026

Tornado season in Oklahoma can get serious fast.

One of the biggest questions homeowners ask after a storm is:

“Does homeowners insurance actually cover tornado damage?”

The answer is usually YES… but there are some important things every Oklahoma homeowner should know about:
- Roof damage
- Flood damage
- Wind deductibles
- Water damage
- Temporary living expenses
- What to do after a storm

We put together a simple guide explaining what’s covered, what’s not covered, and what steps to take after tornado damage in Oklahoma.

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-tornado-damage-in-oklahoma/

Need a homeowners insurance quote?
Get started here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Call Jim Holmes Insurance at: (405) 321-4664

Most Oklahoma homeowners insurance policies cover tornado damage from wind, hail, fallen trees, and debris. Learn what's covered and what's not.

Oklahoma storms can hit FAST… but your deductible can hit even harder.Many homeowners don’t realize they may owe thousan...
05/20/2026

Oklahoma storms can hit FAST… but your deductible can hit even harder.

Many homeowners don’t realize they may owe thousands out of pocket after hail, wind, or tornado damage until it’s too late.

That’s why more Oklahoma homeowners are asking about Deductible Buyback Coverage.

- Could it help lower your wind and hail deductible?
- Is it worth the extra cost?
- How does it work after a storm claim?

We break it all down in our newest blog so you can better protect your home and your wallet before storm season hits.

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/is-deductible-buyback-coverage-worth-it-for-oklahoma-homeowners/

Want to review your homeowners insurance coverage or get a free quote?
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Call our local Oklahoma team today:
(405) 321-4664

Helping homeowners across:
Norman • Moore • Edmond • Newcastle • Noble • Oklahoma City

Learn how deductible buyback coverage helps Oklahoma homeowners reduce wind and hail deductibles after covered storm damage claims.

Most homeowners think their home insurance policy fully covers rebuilding costs… until they find out rebuilding prices h...
05/19/2026

Most homeowners think their home insurance policy fully covers rebuilding costs… until they find out rebuilding prices have skyrocketed after a storm.

That’s why more Oklahoma homeowners are learning about Extended Replacement Cost coverage — the extra 25% protection that may help if rebuilding costs go beyond your dwelling coverage limit after a covered loss.

With tornadoes, hailstorms, and rising construction costs across Oklahoma, this coverage could make a BIG difference after severe weather.

In our newest blog, we break down:
- What Extended Replacement Cost coverage is
- How the extra 25% works
- The difference between Replacement Cost and Actual Cash Value
- Why rebuilding costs are rising in Oklahoma
- Why many homeowners are reviewing their Coverage A limits

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/what-is-extended-replacement-cost-coverage-on-homeowners-insurance/

Need a homeowners insurance quote or policy review?
Get a quote here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Give us a call at: (405) 321-4664

Learn how Extended Replacement Cost coverage helps protect Oklahoma homeowners from rising rebuild costs after storms.

Should you file a homeowners insurance claim… or just pay out of pocket? A lot of Oklahoma homeowners are surprised to l...
05/18/2026

Should you file a homeowners insurance claim… or just pay out of pocket?

A lot of Oklahoma homeowners are surprised to learn that filing small insurance claims can sometimes raise insurance rates, affect future coverage, or even make switching insurance companies harder later.

Before you file a claim for:
- Roof damage
- Water damage
- Storm damage
- Hail damage
- Small repairs

…it’s important to understand how it could impact your homeowners insurance policy long term.

We just published a new blog breaking down:

* When filing a claim makes sense
* When paying out of pocket may be smarter
* How insurance companies look at claims history
* Why small claims can affect insurance premiums
* What Oklahoma homeowners should know before calling insurance

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/should-you-file-an-insurance-claim-or-pay-out-of-pocket-for-small-damage-to-your-home/

Need help reviewing your coverage or getting a better quote?

Get a free quote here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Give our team a call at:
(405) 321-4664

Should you file an insurance claim or pay out of pocket for small home damage? Learn how claims affect insurance rates, premiums, and coverage.

Ever wonder why your home insurance is HIGHER than what your house is worth?You’re not crazy—and you’re definitely not a...
05/05/2026

Ever wonder why your home insurance is HIGHER than what your house is worth?

You’re not crazy—and you’re definitely not alone.

A lot of homeowners in Norman, Moore, OKC, and Edmond are asking the same question right now.

Here’s the truth:
Insurance is based on **rebuilding your home**, not selling it.

That means things like:
• Construction costs
• Labor and materials
• Storm risks in Oklahoma

…all play a BIG role in your coverage.

If this has ever confused you (or made you question your policy), we broke it down in a simple way

Read more here:
https://www.jimholmesinsuranceok.com/blog/why-is-my-home-insurance-higher-than-my-homes-market-value/

Want to see if your coverage is right for YOUR home?

Get a fast, free quote:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Give us a call—we’re happy to help:
(405) 321-4664

Why is your homeowners insurance higher than market value? Learn about replacement cost, rebuild costs, and smarter coverage choices.

Do you think your homeowners insurance covers everything inside your home?A lot of people in Oklahoma are surprised to l...
04/29/2026

Do you think your homeowners insurance covers everything inside your home?

A lot of people in Oklahoma are surprised to learn that jewelry, fi****ms, and collectibles often have coverage limits—and may not be fully protected.

If you have things like:
• An engagement or wedding ring
• Fi****ms
• Sports cards or collectibles

…it’s worth taking a quick look at your policy.

We break it all down in this quick, easy guide so you can understand what’s covered and how to protect what matters most.

Read more here: https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-jewelry-fi****ms-and-collectibles-in-oklahoma/

Ready to make sure you’re fully covered?
Get a fast quote here: https://www.jimholmesinsuranceok.com/coverage/homeowners/

Give us a call at (405) 321-4664 — we’re happy to help.

Does homeowners insurance cover jewelry, fi****ms, and collectibles in Oklahoma? Learn coverage limits and how to fully protect valuables.

Just Filed a Home Insurance Claim? Here’s What Happens Next.Storm damage in Moore, South OKC, or Edmond? You’re not alon...
04/28/2026

Just Filed a Home Insurance Claim? Here’s What Happens Next.

Storm damage in Moore, South OKC, or Edmond? You’re not alone—and most homeowners have the same questions:

How long does it take?
When do you get paid?
What does the adjuster actually do?

We broke it all down in a simple, easy-to-follow guide so you know exactly what to expect (and avoid surprises).

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/what-happens-after-you-file-a-home-insurance-claim-in-oklahoma/

Want to make sure your home is fully protected before the next storm hits?

Get a free quote here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Call us anytime: (405) 321-4664

We’re local, we’re here to help, and we’ve got your back when it matters most.

Confused about your home insurance claim? Learn how the process works and how long until you get paid in Moore, South OKC, and Edmond.

Is your home actually covered… or just “kind of” covered?A lot of homeowners in Oklahoma think their insurance is enough...
04/06/2026

Is your home actually covered… or just “kind of” covered?

A lot of homeowners in Oklahoma think their insurance is enough—until they file a claim and find out it’s not.

With rising construction costs and storms hitting places like Norman, Moore, and OKC, being underinsured is more common than ever.

Here’s what most people don’t realize:
• Your coverage might not fully rebuild your home
• You could get penalized on claims (even small ones)
• Costs are rising faster than your policy updates

We broke it all down in a simple, easy-to-read blog so you can make sure you’re protected the right way.

Read more here:
https://www.jimholmesinsuranceok.com/blog/is-your-home-insurance-coverage-enough-to-rebuild-in-oklahoma/

Get a fast, free quote here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

If you’d rather talk to someone, call us at (405) 321-4664

Is your home insurance is enough? Learn how rising construction costs, and coverage gaps could leave homeowners paying out of pocket after a claim.

Is Your Home Insurance Enough to Fully Rebuild in Oklahoma?Here’s a question most homeowners never ask:Do I have replace...
02/26/2026

Is Your Home Insurance Enough to Fully Rebuild in Oklahoma?

Here’s a question most homeowners never ask:

Do I have replacement cost… or extended replacement cost coverage?

After a tornado, hailstorm, or major wind damage in Oklahoma, rebuilding costs can go up fast. If your dwelling coverage limit isn’t high enough, you could be stuck paying the difference out of pocket.

That’s the difference between:
• Replacement Cost
• Extended Replacement Cost

And it can mean thousands of dollars after a storm.

We just published a simple, easy-to-understand guide that explains:

• What replacement cost really means
• How extended replacement cost works
• Why it matters so much in Oklahoma
• How to check if your coverage limit is high enough

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/extended-replacement-cost-vs-replacement-cost-in-oklahoma-what-homeowners-need-to-know/

Not sure what type of coverage you have?

Get a free home insurance quote or policy review here:
https://www.jimholmesinsuranceok.com/coverage/homeowners/

Call us directly at (405) 321-4664 — we’re happy to help.

Serving homeowners in Norman, Moore, Oklahoma City, Edmond, Newcastle, Noble, and surrounding areas!

Make sure your home can be fully rebuilt — not just partially covered.

Replacement cost vs extended replacement cost in Oklahoma—find out if your home insurance coverage limit will fully rebuild your home after a storm.

Oklahoma Windstorms Can Get Expensive FAST…Most homeowners don’t realize the real cost of windstorm damage until it happ...
02/10/2026

Oklahoma Windstorms Can Get Expensive FAST…

Most homeowners don’t realize the real cost of windstorm damage until it happens to them. Between roof repairs, fence damage, water leaks, and high wind/hail deductibles, a storm can turn into a major financial headache.

We just published a new blog breaking down the real costs of windstorm damage in Oklahoma, including:
- What wind & hail deductibles really mean
- How much roof damage and water damage can cost
- Why home insurance rates keep rising across Oklahoma
- What to do before filing a claim

If you own a home in Oklahoma City, Moore, Norman, Edmond, or anywhere in the state, this is a must-read.

Read the full blog here:
The Real Cost of Windstorm Damage in Oklahoma
https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-windstorm-damage-in-oklahoma/

Want to make sure your home is properly covered before the next storm hits?
Click here for a free quote: https://www.jimholmesinsuranceok.com

Call us anytime at (405) 321-4664

Understanding windstorm deductibles and common repairs can save Oklahoma homeowners money and stress. Be prepared for severe weather!

Address

453 WEST GRAY
Norman, OK
73069

Opening Hours

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

Telephone

+14053214664

Website

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