Boats & watercraft
Oologah Lake, Claremore Lake and the Verdigris. Homeowners policies cover only small boats within tight limits — usually far less motor than people actually run.
Home/Services
Everything we handle, in one place
Auto, home, business, acreage, recreation and umbrella coverage on the insurance side; life, final expense, annuities and retirement income on the financial side. One agency, one phone number.
Most people come to us for one thing and end up consolidating three or four. That is not a sales tactic — it is what happens when somebody finally looks at all of it at once and notices where coverage overlaps, where it stops short, and where two companies are being paid separately for the same job.
Personal auto
Auto & vehicle insurance
Oklahoma requires liability coverage on every registered vehicle, but the state minimum is a legal floor, not a recommendation. One serious at-fault accident can exhaust those limits in an afternoon, and everything above the limit follows you personally.
We write personal auto for daily commuters into Tulsa, work trucks, teen drivers, older vehicles that no longer need physical damage coverage, and households juggling four vehicles and three drivers on one policy.
- Bodily injury & property damage liability
- Comprehensive and collision, with deductible options priced side by side
- Uninsured and underinsured motorist coverage
- Medical payments
- Roadside assistance and rental reimbursement
- SR-22 filings where required
The coverage people skip and regret
Uninsured motorist. Oklahoma has a persistent share of drivers carrying no coverage at all. If one of them injures you, uninsured motorist coverage on your own policy is what pays. It is usually among the cheapest lines on the page and among the first things a rock-bottom quote removes.
Medical payments. A small, no-fault amount that covers medical bills for you and your passengers regardless of fault. It moves quickly, which matters because bills arrive long before liability is settled.
Property
Home, renters & rental property
A homeowners policy is really six coverages stacked together: the dwelling, other structures, personal property, loss of use, personal liability and medical payments. Most disputes after a loss trace back to one of those six being set too low years ago and never revisited.
We pay particular attention to rebuild cost — not market value, not the county assessment, not what you paid, but what it would genuinely cost to put the same house back up at today's material and labor prices in Rogers County.
- Homeowners for houses in town and on acreage
- Manufactured and mobile home coverage
- Renters insurance
- Dwelling fire and landlord policies for rental property
- Wind and hail deductible options explained before you choose
- Scheduled coverage for jewelry, firearms, tools and equipment
Replacement cost vs. actual cash value
Replacement cost pays what it takes to replace the item new, subject to your limits. Actual cash value pays what it was worth in used, depreciated condition.
On a roof that difference is enormous. A fifteen-year-old shingle roof settled at actual cash value can come back at a fraction of the replacement bill, and the remainder is yours.
Many policies quietly switch older roofs to actual cash value. We will tell you whether yours does before you buy it, not after the storm.
Life & financial
Protecting people, and the income behind them
Every other line on this page replaces something you could buy again. Life insurance and retirement products deal with the two things you cannot replace: a person's income, and time.
This is the half of the business most property and casualty agencies never get to. We treat it as central. Term and permanent life, final expense, annuities, retirement income and business succession all get the same treatment as a homeowners policy: plain language, real numbers, and the trade-offs stated out loud.
- Term life — the most coverage per dollar, for the mortgage-and-children years.
- Whole and universal life — permanent coverage that does not expire and builds cash value.
- Final expense — smaller permanent policies aimed at funeral and burial costs.
- Annuities — principal protection and income that can be structured to last for life.
- Retirement rollovers — sorting out the old 401(k) nobody has looked at in six years.
- Business planning — key person coverage and buy-sell funding for partnerships.
A blunt way to size life insurance
Write down these five numbers and total them:
- Mortgage balance and any land note
- Vehicle, equipment and credit card balances
- Final expenses, realistically budgeted
- Household income × the years your family would need it
- Anything you want set aside for children
Subtract existing coverage and savings. What remains is the honest gap — and it is usually larger than the group policy at work.
Commercial
Business & commercial insurance
Rogers County runs on small business: contractors, mechanics, welders, dirt work, trucking in and out of the Port of Catoosa, salons, cafes, storage units and small retail. Every one of them has three exposures — what they own, the work they do, and the vehicles they drive — and those are rarely covered by the same policy.
- General liability for the work you perform
- Commercial property: buildings, contents, signs and inventory
- Tools and equipment, including items in a truck or trailer
- Commercial auto for work trucks and fleets
- Business owner's policies bundling property and liability
- Certificates of insurance when a contract or job site demands one
If you have ever scrambled to produce a certificate of insurance, or wondered whether your personal auto policy covers the truck you use for jobs (it very often does not), that is exactly the conversation to have before the next contract rather than after the next claim.
| Exposure | Coverage that answers it |
|---|---|
| You damage a customer's property on a job | General liability |
| Tools stolen out of the work trailer | Inland marine / tools & equipment |
| Work truck in an at-fault wreck | Commercial auto |
| Fire in the shop building | Commercial property |
| Customer slips in your storefront | General liability / premises |
| A partner dies and the business must be bought out | Buy-sell funded with life insurance |
| Contract requires proof of coverage | Certificate of insurance |
Acreage & agriculture
Farm, ranch & acreage coverage
A great many properties around Inola, Oologah, Chelsea and the edges of Claremore are not quite a farm and not quite a subdivision lot: five to eighty acres, a shop, a barn, a tractor, maybe a few head of cattle or some horses. Standard homeowners policies handle that badly, because they contain exclusions for farming, business use, and structures used for either.
A farm and ranch policy puts the house and the operation on one contract, with the buildings, equipment and animals covered properly and a liability limit sized for agriculture rather than for a suburban backyard.
- Farm dwelling, barns, shops and outbuildings
- Machinery, implements and shop equipment
- Livestock, blanket or scheduled
- Hay, feed and stored grain
- Farm liability, including guests and hired help
- ATVs, UTVs and farm-use trailers
Gaps we find most often on acreage
- The shop is not on the policy. It went up two years after the house was insured, and nobody called.
- Other structures limit is tiny. A percentage of the dwelling limit rarely covers a real metal building.
- Liability is at the homeowners default. Horses, cattle and equipment change the exposure substantially.
- Equipment values are stale. Used tractor prices moved a long way; the schedule did not.
- Side income is uncovered. Custom work, boarding horses or hauling for hire can fall outside a personal policy entirely.
Recreation & specialty
The things that make weekends worth it
Toys, trailers and second vehicles are usually not covered the way people assume. Each of these generally needs its own policy or its own endorsement.
ATVs & side-by-sides
Liability off your own property is rarely automatic, and theft of a machine parked in an open shed is a common claim around here.
RVs & travel trailers
A camper is a vehicle and a dwelling at once. Coverage should account for both, including belongings inside and liability while it is parked and occupied.
Utility & stock trailers
Your auto liability may extend to a towed trailer, but physical damage to the trailer itself usually does not. Gooseneck and stock trailers are worth real money.
Classic & collector vehicles
Agreed-value coverage sets the payout in writing up front, instead of letting depreciation decide what a restored truck was worth after it is gone.
Umbrella liability
An extra layer — often a million dollars or more — sitting on top of your auto, home and farm policies. Frequently the cheapest large limit available, and the one that protects property and savings.
Not sure which of these you need?
That is normal, and it is the easiest thing in the world to sort out. One conversation, a handful of questions, and you will know exactly where you stand.