Why Homeowners Insurance Rates Continue to Increase

Oklahoma Home Insurance is Getting Harder to Find—Here’s What You Need to Know

If you’re a homeowner in Oklahoma, you’ve probably noticed that home insurance is becoming harder to get and more expensive. Companies are tightening their requirements, raising premiums, and even pulling out of certain areas altogether. The good news is that At Jamie Slate Agency, we know how to navigate these challenges and find the best coverage for you.

Why Is Home Insurance Getting More Expensive?

Severe Weather and Rising Claims – Oklahoma is one of the most disaster-prone states in the country. Tornadoes, hailstorms, wildfires, and unexpected freezes lead to billions in claims. With the high risk, insurance companies are being more selective about who they insure.
Skyrocketing Repair Costs – The cost of building materials and labor has surged, making home repairs and rebuilds more expensive. Insurance companies must adjust their rates to account for these higher payouts.
Limited Insurance Options – Some insurers are leaving Oklahoma or limiting policies, meaning fewer choices for homeowners. Those that remain are raising prices and tightening restrictions.

What This Means for You

Higher costs and stricter guidelines don’t mean you have to settle for overpriced or inadequate coverage. The right agent can make all the difference.

Why You Need an experienced agency on Your Side

Most homeowners go straight to the internet without realizing they have better options with a local agent. At our agency, we don’t just sell policies, we use several different carriers to find the best insurance provider and rates that work to your specific home type and build quality. Here’s how we help:

✔️ We find the best coverage for your home – We work with multiple insurance carriers to match you with a policy that protects your home at a competitive rate.

✔️ We know how to keep costs down – From home improvements that qualify for discounts to bundling options, we know the strategies to lower your premiums.

✔️ We advocate for YOU, not the insurance company – When you have a claim, we help ensure you get what you deserve, without the runaround.

✔️ We keep up with the market so you don’t have to – With companies constantly changing policies, we make sure you always have the best coverage available.