Home Insurance

Client Centered

Are you looking for reliable, efficient, and affordable homeowners insurance in Oklahoma City? At CPC insurance, we provide home insurance policies protecting against residential loss or damages including furnishings and other assets in the home. When disaster strikes, this insurance aids in recovery costs.

Our Oklahoma home insurance provides coverage against:

  • Destructive weather elements like windstorms, hail, flood, lightning, and other storm elements.
  • Damages and loss from theft, vandalism, fire, smoke, sinkholes, and water.
  • Personal liability, injuries to people on your property. The policy may cover dog bites and trampoline or swimming pool-related accidents. Additionally, we provide umbrella liability for additional liability limits.

Contact us today to see how we may help you secure this valuable coverage.

Your Home Is Important, Make Sure It’s Protected

Ask yourself…

What will happen if a disaster strikes your home tomorrow? Are you confident you are properly covered for damages and total loss? Will you be required to pay out of pocket for some of or all the repairs?

These are crucial questions to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

  1. Your representative took the time to make sure you have the right protection
  2. Your insurance carrier has your back

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that may lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you may be held responsible. Liability coverage is there to protect you.

You may need insurance to protect you for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability 
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent, you have the chance to explore many options for insurance, to protect the things that are most important to you.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers are not aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground are not usually covered
  • A standard homeowners policy typically does not typically include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You may combine your Home and Auto policies (and others) for even more savings.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we will help you protect what matters most.


Oklahoma City is prone to flooding - this natural disaster destroys billions of dollars in property every year. We provide comprehensive homeowners insurance in Oklahoma City. Most homeowners insurance policies do not include flood, surface water, or surface water covering the ground of your home. Thus, when storm water pools in your home, you have to make out-of-pocket payments to recover the damage or loss.

Sewer Backup

Standard home insurance policies do not have a sewer backup. Trees' and shrubs' root systems can extend into sewer lines looking for moisture. Unfortunately, most homeowners insurance policies do not cover the resulting damage. Policies covering sewer mishaps require an insurance rider to include this coverage. Contact our local team to learn more about our coverage relating to sewer backups.

Replacement Costs for Personal Property

Some homeowners insurance policies in Oklahoma pay for the cost of repair or replacement on an actual cash value basis. We follow the replacement cost policy, which pays the dollar amount it would take to purchase the damaged item at the time of claim. Thus, the property value includes its depreciation status. We do not include depreciation.

Jewelry Claims

Standard homeowners insurance policies have cash limits. Homeowners cannot claim above the cash value on jewelry replacement. If the valuables damaged, stolen, or lost exceed this value, the claimant bears the cost of loss. At CPC insurance, we pay for the lost or damaged property expenses. We only exclude any outstanding deductible amounts. There are no limits.

Combine Your Policies for More Benefits

You can merge your homeowner insurance with other policies like auto coverage and save on premium costs at CPC insurance.

Frequently Asked Questions

What is the average cost of home insurance in Oklahoma?

Your home insurance quote depends on the terms of your policies and additional packages that come with your coverage. The average home insurance cost in Oklahoma City is $2,559 annually. The premium is higher than the average American home insurance policy because Oklahoma experiences severe weather.

What is covered by homeowners insurance in Oklahoma?

Most Oklahoma home insurance policies cover dwelling and personal property loss or damage and personal liability exposures. Home policies also pay for extra expenses from the loss, like temporary shelter. However, the extent of coverage depends on your policy provider and plan. For instance, standard home insurance may not cover flooding or surface water property damage on the ground. You need to understand the fine print of what your policy covers.

What are the most common home insurance claims?

Property damage from water is the most common insurance claim. It is followed closely by fire, wind, hail, lightning, and theft. The best home insurance near Oklahoma City should cover water-related hazards because the area is prone to flooding, tornadoes, and water pooling on property.

Do you pay homeowners insurance monthly or yearly?

You can pay your insurance both monthly or yearly. Your policy provider gives a homeowners insurance quote with the payment plan for your Oklahoma home insurance.

Choose CPC Insurance for Your Oklahoma Home Insurance

There is no one-size-fits-all in homeowners insurance in Oklahoma City. While basic homeowners insurance plans have standard pricing and features, variations between policy providers arise because of customization. At CPC insurance, we tailor your policy to accommodate your specific needs.

We are familiar with the intricacies plaguing homeowners insurance in Oklahoma City. We can help you navigate these murky waters and find the best plan for your home. Call us today at 405-843-5678 to get a homeowners insurance quote.