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.

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/coverage/homeowners/

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/coverage/homeowners/

Does homeowners insurance cover cosmetic or functional roof damage? Learn what insurance covers after hail or wind damage.

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/coverage/homeowners/

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

Learn when homeowners insurance can deny a roof claim, what roof age means for coverage, and how to improve your chances of a covered claim.

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/coverage/auto/

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.

Camping season is here, but here's a question many people never think about...What happens if someone gets hurt at your ...
06/16/2026

Camping season is here, but here's a question many people never think about...

What happens if someone gets hurt at your campsite?

If a friend trips over a tent stake, gets burned by a campfire, or falls while visiting your campsite, you could be held responsible for medical bills, legal expenses, and more.

The good news? Your homeowners insurance, RV insurance, or umbrella insurance may help provide protection depending on the situation.

We put together a simple guide that explains:
- Who may be responsible after a camping accident
- How liability insurance works
- When homeowners insurance may help
- How RV insurance and umbrella insurance can provide extra protection
- Real-life camping injury examples in Oklahoma

Read the full article here:
https://www.jimholmesinsuranceok.com/blog/what-happens-if-someone-gets-hurt-at-your-campsite-does-insurance-cover-it/

Want to make sure you have the right coverage before your next camping trip?

Get a free quote here:
https://www.jimholmesinsuranceok.com/coverage/rec-vehicle/

Give us a call! - (405) 321-4664

Jim Holmes Insurance proudly serves Oklahoma City, Moore, Norman, Edmond, Yukon, Newcastle, Noble, and communities across Oklahoma.

What happens if someone gets hurt at your campsite? Learn who may be liable and what insurance may help.

Have you noticed cracks in your walls, uneven floors, or doors that suddenly won't close properly? You might be wonderin...
06/15/2026

Have you noticed cracks in your walls, uneven floors, or doors that suddenly won't close properly?

You might be wondering if your homeowners insurance will help pay for foundation repairs.

The answer might surprise you.

In our latest blog, we explain:
• When homeowners insurance may cover foundation damage
• What foundation problems are usually NOT covered
• How slab leaks and burst pipes can impact coverage
• Common signs of foundation damage Oklahoma homeowners should watch for
• What to do if you discover foundation issues

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

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

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

We're happy to help homeowners across Norman, Moore, Oklahoma City, Edmond, Newcastle, Noble, and surrounding communities.

Learn when homeowners insurance covers foundation damage in Oklahoma, including slab leaks, burst pipes, foundation cracks, and exclusions.

Ever wondered what "full coverage" auto insurance actually covers?You're not alone.Many Oklahoma drivers assume full cov...
06/11/2026

Ever wondered what "full coverage" auto insurance actually covers?

You're not alone.

Many Oklahoma drivers assume full coverage protects against everything, but that's not always the case.

Understanding what's included (and what's not) can help you avoid expensive surprises after an accident, hailstorm, deer collision, or other unexpected event.

Our latest blog breaks down:
- What full coverage auto insurance includes
- How collision and comprehensive coverage work
- Whether full coverage is worth it in Oklahoma
- Common claim scenarios Oklahoma drivers face
- Ways to save money on your auto insurance

If you live in Oklahoma City, Moore, Norman, Edmond, Yukon, Newcastle, Noble, or anywhere nearby, this guide is for you.

Read the full blog here:
https://www.jimholmesinsuranceok.com/blog/what-does-full-coverage-auto-insurance-cover-in-oklahoma-and-is-it-worth-it/

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

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

At Jim Holmes Insurance, we're here to help you find coverage that fits your needs and budget!

Learn what full coverage auto insurance covers in Oklahoma, including liability, collision, and comprehensive coverage. Get a free quote today!

Did you know your roof might not be covered the way you think it is?Many Oklahoma homeowners don't realize they have an ...
06/09/2026

Did you know your roof might not be covered the way you think it is?

Many Oklahoma homeowners don't realize they have an Actual Cash Value (ACV) roof policy until they file a claim after a hailstorm or windstorm.

That's often when they discover their insurance company may not pay the full cost to replace their roof.

Understanding the difference between Actual Cash Value Coverage and Replacement Cost Coverage could save you thousands of dollars after a storm.

We break it all down in our latest blog!

Read the full article here:
https://www.jimholmesinsuranceok.com/blog/what-is-an-actual-cash-value-roof-policy-and-is-it-right-for-oklahoma-homeowners/

Want to see if your current homeowners insurance policy is providing the protection you need?

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

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

At Jim Holmes Insurance, we're here to help Oklahoma
homeowners make informed decisions and avoid costly surprises when storm season arrives.

Learn how an Actual Cash Value (ACV) roof policy works and how roof depreciation can affect insurance claims for Oklahoma homeowners.

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.

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

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