Jim Holmes Insurance Agency

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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.

Would your home insurance pay for a leaking pipe—or just the damage it caused?A sudden leak, a slow drip, and a hidden s...
10/14/2026

Would your home insurance pay for a leaking pipe—or just the damage it caused?

A sudden leak, a slow drip, and a hidden slab leak can lead to different coverage decisions. Our new Oklahoma guide explains what to check, including pipe repairs, access costs, and frozen pipes.

Read the blog: https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-a-leaking-pipe-in-oklahoma

Want help understanding your policy?
Request a quote from Jim Holmes Insurance: https://www.jimholmesinsuranceok.com/get-a-quote

Learn when Oklahoma home insurance covers leaking pipe damage, how sudden and gradual leaks differ, and whether pipe repairs or slab access may be covered.

Would your home insurance pay if sewage backed up through a drain?Standard homeowners insurance usually excludes sewer b...
10/12/2026

Would your home insurance pay if sewage backed up through a drain?

Standard homeowners insurance usually excludes sewer backups—and even added coverage has a limit that may need to cover cleanup, repairs, and damaged belongings.

Our new Oklahoma guide explains what to check, including why sewer backup coverage and sewer line repair coverage are different.

Read the blog: https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-sewer-backup-in-oklahoma

Want help reviewing your coverage?
Request a quote from Jim Holmes Insurance: https://www.jimholmesinsuranceok.com/get-a-quote

Learn when Oklahoma homeowners need sewer backup coverage, what an endorsement may pay for, and how limits, deductibles, and sewer line repairs differ.

A broken washing machine hose, a backed-up sewer, and street runoff can all leave water in your house—but they may need ...
10/06/2026

A broken washing machine hose, a backed-up sewer, and street runoff can all leave water in your house—but they may need three different types of insurance coverage.

Our new blog uses simple Oklahoma examples to explain water damage, water backup, and flood insurance, including what to check if you have a sump pump.

Read the blog: https://www.jimholmesinsuranceok.com/blog/water-damage-vs-water-backup-vs-flood-what-does-home-insurance-cover

Want help reviewing your water coverage?
Request a quote from Jim Holmes Insurance: https://www.jimholmesinsuranceok.com/get-a-quote

Learn how Oklahoma home insurance handles burst pipes, sewer backups, sump pump overflow, and floods, plus which coverage and policy limits to check.

Choosing a home insurance deductible before closing is about more than finding the lowest premium.Your lender must appro...
09/25/2026

Choosing a home insurance deductible before closing is about more than finding the lowest premium.

Your lender must approve the policy, and you need to know what you could owe after a fire, storm, or other covered loss. In Oklahoma, a percentage-based wind and hail deductible could mean thousands of dollars out of pocket.

Our new guide explains how deductibles work, how to compare the savings, and when a $5,000 deductible may be too risky.

Read the full blog: https://www.jimholmesinsuranceok.com/blog/how-do-you-choose-a-home-insurance-deductible-before-closing

Need a home insurance quote before closing? Start here: https://www.jimholmesinsuranceok.com/get-a-quote

You can also call Jim Holmes Insurance at 405-321-4664.

Learn how to choose a home insurance deductible before closing, compare flat and percentage options, and meet lender requirements in Oklahoma.

Found a better home insurance option before closing on your house?You can usually change insurance companies, but your l...
09/23/2026

Found a better home insurance option before closing on your house?

You can usually change insurance companies, but your lender will need updated proof of coverage. The switch could also affect your escrow deposit, closing paperwork, and the amount you need to bring to closing.

Our new guide explains when you can switch, how to avoid a closing delay, and what happens if the first premium has already been paid.

Read the blog: https://www.jimholmesinsuranceok.com/blog/can-you-change-home-insurance-companies-before-closing-on-a-house

Need home insurance before closing in Oklahoma? Request a quote from Jim Holmes Insurance: https://www.jimholmesinsuranceok.com/get-a-quote

You can also call us at 405-321-4664.

You can usually change home insurance companies before closing, but you must notify your lender, replace your insurance documents, and review any changes to your escrow and closing costs.

Buying a home and getting close to closing?One of the easiest things to put off is homeowners insurance, but your lender...
09/18/2026

Buying a home and getting close to closing?

One of the easiest things to put off is homeowners insurance, but your lender will usually need proof of coverage before your loan can close.

Our new blog breaks down exactly what you need to get a home insurance quote before closing, including your lender information, roof age, prior insurance, claims history, and more.

Read the full guide here:
https://www.jimholmesinsuranceok.com/blog/what-information-do-you-need-to-get-home-insurance-before-closing-in-oklahoma

If you are buying a home in Norman, Moore, Oklahoma City, Edmond, Newcastle, Noble, or nearby, we can help get your quote and proof of insurance ready for your lender.

Get a quote here:
https://www.jimholmesinsuranceok.com/get-a-quote

Learn what information you need for home insurance before closing in Oklahoma, including lender details, roof age, prior claims, and proof of insurance.

What happens if your tree falls on your neighbor's house?Most people assume the tree owner automatically pays... but tha...
07/15/2026

What happens if your tree falls on your neighbor's house?

Most people assume the tree owner automatically pays... but that's not always true.

Who pays often depends on:
- Why the tree fell
- Whether the tree was healthy or dead
- What your homeowners insurance policy covers

If you own a home in Oklahoma, this is something you should know before the next storm rolls through.

Read our new blog to learn who usually pays, when you could be responsible, and what homeowners insurance typically covers.

Click Here:
https://www.jimholmesinsuranceok.com/blog/what-happens-if-your-tree-falls-on-your-neighbors-house/

Need to review your homeowners insurance or get a free quote?
Click Here: https://www.jimholmesinsuranceok.com/get-a-quote

Learn who pays if your tree falls on your neighbor's house, when homeowners insurance covers the damage, and when you could be responsible.

Does homeowners insurance cover ALL roof damage? The answer might surprise you.Many homeowners think that if hail hits t...
07/14/2026

Does homeowners insurance cover ALL roof damage?

The answer might surprise you.

Many homeowners think that if hail hits their roof, insurance automatically pays for a new one. In reality, insurance companies often look at whether the damage is cosmetic or functional—and that can make a big difference in whether a claim is covered.

In our newest blog, we explain:
- The difference between cosmetic and functional roof damage
- What homeowners insurance typically covers
- When a roof may qualify for replacement
- Why waiting to fix roof damage can cost you more later

If you've ever wondered what happens after a hailstorm, this is a must-read.

Read the full blog here: https://www.jimholmesinsuranceok.com/blog/does-homeowners-insurance-cover-cosmetic-roof-damage-or-functional-roof-damage/

Need a homeowners insurance quote or want us to review your current coverage?

Get a free quote here: https://www.jimholmesinsuranceok.com/get-a-quote

Request an auto, home, renters, motorcycle, recreational, or business insurance quote from Jim Holmes Insurance. We compare options from multiple companies.

Can your insurance company deny a roof claim just because your roof is old?The answer might surprise you.Many homeowners...
07/09/2026

Can your insurance company deny a roof claim just because your roof is old?

The answer might surprise you.

Many homeowners believe that once their roof reaches a certain age, insurance won't cover it anymore. The truth is, it's usually not that simple.

In our newest blog, we explain:
- When homeowners insurance may cover roof damage
- Why roof claims get denied
- The difference between Replacement Cost and Actual Cash Value
- Tips to improve your chances of a successful claim
- What every Oklahoma homeowner should know before the next hailstorm

If you own a home in Oklahoma City, Moore, Norman, Edmond, Yukon, Newcastle, or Noble, this is a must-read before storm season.

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/can-homeowners-insurance-deny-a-roof-claim-because-your-roof-is-old/

Need a homeowners insurance quote or want us to review your current policy?

Get a free quote here:
https://www.jimholmesinsuranceok.com/get-a-quote

Jim Holmes Insurance is proud to help Oklahoma families protect what matters most.

Request an auto, home, renters, motorcycle, recreational, or business insurance quote from Jim Holmes Insurance. We compare options from multiple companies.

Did you know your credit score could affect how much you pay for auto insurance in Oklahoma?Many drivers are surprised t...
06/22/2026

Did you know your credit score could affect how much you pay for auto insurance in Oklahoma?

Many drivers are surprised to learn that insurance companies may consider your credit history when calculating rates. The good news? Understanding how it works could help you save money on your car insurance.

Read our latest blog to learn:
- How credit scores affect auto insurance rates
- What a credit-based insurance score is
- Ways to potentially lower your premium
- Why shopping around for coverage matters

Read the full article:
https://www.jimholmesinsuranceok.com/blog/can-your-credit-score-affect-auto-insurance-rates-in-oklahoma/

Need a quote? We're here to help.
Get a free quote today:
https://www.jimholmesinsuranceok.com/get-a-quote

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

Learn how your credit score can affect auto insurance rates in Oklahoma, what insurers consider, and ways to potentially lower your premium.

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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