Home and Auto Insurance in Oklahoma City: One Broker Shops Both

OKC Insurance Brokers is an independent insurance broker in Oklahoma City, and home and auto together is the policy pair we quote most. One application goes to every carrier we hold for personal lines. Some of them will price your house and your cars together with a multi-policy discount. Some will price one of them very well and the other badly, because Oklahoma home insurance is priced on the roof and Oklahoma auto insurance is priced on the drivers, and no single company is best at both for every household. Our job is to show you both totals, the bundle and the split, before you buy. This page explains how that works, what our clients pay, and what we need to run it.

Why buy home and auto through an independent broker

What bundling home and auto actually does

Bundling means one carrier writes both policies. What you get for it, in plain terms:

• A multi-policy discount on both policies. The carrier sets the size and applies it to its own rate, which is the part people miss: a discount on a high home rate can still leave you above a competitor's undiscounted one.
• One renewal date and one bill. Simpler to manage, and the home and auto renew together so we re-shop both at once.
• Sometimes a single deductible. A few carriers waive the auto deductible or apply one combined deductible when the same storm damages the house and the car in the driveway. In a hail state that is worth asking about, and we do.
• An easier umbrella. A personal umbrella sits most cleanly above a home and auto that share a carrier.

When bundling is not the cheapest option in Oklahoma

Home insurance here is priced on the roof, its age and the hail record of the address, and carriers move in and out of that market every year. A company that gives you a strong auto rate may load an older roof heavily or decline it. When that happens, the cheapest total is a split: your auto with carrier A, your home with carrier B, no multi-policy discount, and still less money out the door. We see it most with older roofs and with homes carrying a low wind and hail deductible. The only way to know is to price it both ways, so we do, on every home and auto quote, and you see the two numbers before you decide.

GET BOTH QUOTES

What an Oklahoma City home policy costs and covers

The homes we insure in the Oklahoma City metro run about $2,500 to $4,500 a year. That is our own quote data, not a national average. What moves it: roof age and material, rebuild value, the wind and hail deductible you choose, claims history and the protection class of the address. Our 2026 home insurance cost guide walks through each one.

The wind and hail deductible is the decision that matters most. Most Oklahoma policies carry a separate one of 2 to 5 percent of the dwelling coverage:

Dwelling coverage	2% wind/hail deductible	5% wind/hail deductible
$200,000	$4,000 out of pocket	$10,000 out of pocket
$300,000	$6,000 out of pocket	$15,000 out of pocket
$400,000	$8,000 out of pocket	$20,000 out of pocket

A cheaper premium with the higher deductible can cost more after one spring storm than years of the savings. We run both on every quote, and our wind and hail deductible guide explains the math. The policy itself covers the dwelling at rebuild cost, other structures, your belongings, liability if someone is hurt on the property, and additional living expenses while the house is repaired. Full detail on the home insurance page.

What we quote on the auto side

Oklahoma's legal minimum is 25/50/25: $25,000 per person and $50,000 per accident for injuries, $25,000 for property damage. We quote 100/300/100 as the default and show the minimum beside it, because $25,000 does not replace a newer car or cover one serious injury, and the jump in premium is small next to the jump in protection. The rest of the policy:

• Collision and comprehensive for your own car, with the deductible you choose. Comprehensive is the hail coverage on a car.
• Uninsured and underinsured motorist, which pays you when the other driver has no coverage or too little. Oklahoma has more than its share of uninsured drivers, so we recommend it on every policy.
• Medical payments, rental reimbursement and roadside as you want them.
• Teen and new drivers. Adding one is the largest premium jump most families see; our teen driver guide covers the discounts that actually move it.

More on limits and the state rules on the Oklahoma minimum requirements page and the car insurance page.

Home and auto insurance in Edmond and across the OKC metro

Most of the households we insure are in Oklahoma City, Edmond, Yukon, Mustang, Moore and Norman, and we write statewide including Tulsa. Edmond homeowners ask us most about roof age rules and the deductible, and we keep an Edmond insurance page with the answers. Wherever you are in Oklahoma, the rater and the form on this page work the same way.

What we need to quote home and auto

1. The address, year built, square footage and roof age, or your current home declarations page, which has all of it.
2. Every driver in the household with date of birth and license number, and every vehicle by VIN or year, make and model.
3. Your current auto declarations page, so we match or improve the limits rather than guess them.
4. Claims in the last five years, home or auto.
5. The wind and hail deductible you carry now, so we can show the alternative.
6. Your renewal dates. A quote a month before renewal gives us time to move both policies on the same day.

SEE RATES ON SCREEN NOW FILL IN THE FORM

Home and auto questions we get asked

Related: home insurance, car insurance, renters insurance for the auto and renters bundle, landlord insurance if one of the houses is a rental, and personal umbrella above both.