Homeowners insurance may cover damage caused by hail, wind, and severe storms, depending on your policy and the cause of the loss. Coverage, deductibles, and roof settlement provisions can vary by insurance carrier, so it is important to understand how your specific policy protects your home.

Roof coverage can vary significantly between policies. Some policies may provide replacement cost coverage, while others may settle roof claims based on actual cash value or use a roof payment schedule based on age and condition. Our agents can help you compare these differences when reviewing home insurance options.

Home insurance rates can be affected by severe weather losses, rebuilding and construction costs, roof age, property characteristics, claim history, coverage limits, deductibles, and other factors used by insurance carriers. Because Central Plains Insurance is an independent agency, we can compare options from multiple carriers when your current rate increases.

Yes. Many insurance carriers offer discounts when qualifying home and auto policies are placed together. Bundling may reduce your overall insurance cost and make your policies easier to manage. We can compare bundled and separate options to help determine which makes the most sense for you.

Your home should generally be insured based on the estimated cost to rebuild it, rather than simply its market value or purchase price. Other considerations include personal property, liability protection, additional living expenses, other structures, and any special coverage needs. An agent can help review these amounts with you.

Yes, depending on the property and carrier eligibility. Rental homes generally require different coverage than an owner-occupied residence. We can help Oklahoma property owners explore insurance options for rental properties and other residential investment properties.