What types of insurance do you offer?
We provide auto, home, renters, farm, life, business, RV, motorcycle, boat insurance and MORE! Contact us for a customized quote.
How do I get an insurance quote?
You can request a quote by clicking here, call us at (580) 924-0540, or visit our office at 280 W Cedar St, Durant, OK 74701 for a personalized consultation.
Is auto insurance required in Oklahoma?
Yes, Oklahoma law requires drivers to have at least liability insurance with minimum limits of 25/50/25.
Is home insurance required?
While not required by law, mortgage lenders typically require homeowners insurance to protect their investment.
Do renters need insurance?
Yes, renters insurance protects your belongings and liability in case of theft, fire, or accidents in your rental.
What is replacement cost vs. actual cash value?
Replacement cost covers the cost to replace lost or damaged items with new ones, while actual cash value accounts for depreciation.
What happens if I miss a payment?
If you miss a payment, your policy could lapse. Contact us immediately to see if reinstatement options are available.
Can I change my policy coverage mid-term?
Yes, you can adjust your coverage at any time. Some changes may affect your premium.
How does Oklahoma’s uninsured motorist coverage work?
Oklahoma has a high rate of uninsured drivers. Uninsured/Underinsured Motorist (UM/UIM) coverage helps protect you if you’re in an accident with someone who doesn’t have enough or any insurance.
Is storm and tornado damage covered under my homeowners insurance in Oklahoma?
Standard homeowners insurance usually covers wind and hail damage, but flood damage is NOT covered. You’ll need a separate flood insurance policy for flood-related damage.
Does my policy cover hail damage to my roof?
Most Oklahoma homeowners policies include coverage for hail damage, but deductibles may vary. Some policies have a separate wind/hail deductible—check your policy or ask us for details.
What is the penalty for driving without insurance in Oklahoma?
Driving without insurance in Oklahoma can result in fines, suspension of your license, vehicle impoundment, and even jail time. Make sure you’re covered to avoid penalties.
Do you offer coverage for farm vehicles and equipment?
Yes, we offer farm auto insurance and equipment coverage for tractors, ATVs, and other farm-related assets.
What should I do if my policy gets canceled?
If your policy lapses, we can help reinstate it or find a new policy to avoid legal penalties or higher rates.
Have a question we don’t have listed here?
Fill out this form & we’ll be happy to help!