Courtesy Insurance Agency
813 NE 33rd St, Edmond, OK 73013
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813 NE 33rd St, Edmond, OK 73013
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17304 N. May Ave, Suite B, Edmond, OK 73012
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15144 Traditions Blvd, Suite A, Edmond, OK 73013
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937 NW 164th St, Suite 3, Edmond, OK 73013
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15808 N Pennsylvania Ave, Suite A1, Edmond, OK 73013
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10 E Ayers St, Edmond, OK 73034
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Learn about insurance coverage options specific to Edmond residents.
Complete guide to auto, home, and personal insurance in Edmond, Oklahoma. Learn about rates, coverage requirements, and local weather risks in 2026.
Home InsuranceEdmond home insurance averages $5,794/year due to tornado and hail risk. Learn how to lower premiums, understand wind/hail deductibles, and get the right coverage.
Car InsuranceEssential auto insurance guide for Edmond, Oklahoma drivers. Learn about OK's 25/50/25 minimums, at-fault system, I-35 risks, UCO discounts, and how to save.
Edmond's auto insurance rates average $2,876 annually, which is $171 above Oklahoma's state average. The higher rates reflect several factors: Edmond's above-average property values and household incomes (median $102,032) correlate with higher insurance costs, and the area's severe weather—including frequent hail, tornadoes, and storms—creates more comprehensive claims. Additionally, Edmond's proximity to Oklahoma City means higher traffic density, which increases accident risk and claim frequency.
Oklahoma's minimum coverage of 25/50/25 only covers damage you cause to others, not your own vehicle or medical bills. Given Edmond's weather risks—76 confirmed hail events and frequent severe storms—comprehensive and collision coverage is essential to protect your vehicle from hail damage, flood damage, and storm debris. Additionally, minimum liability limits may not be enough if you cause a serious accident, especially in an affluent area like Edmond where vehicle values and medical costs are higher.
Standard homeowners insurance does not cover flood damage, and Edmond has experienced multiple flood warnings, particularly during severe weather season when thunderstorms dump several inches of rain in short periods. While your policy covers wind and hail damage, you need separate flood insurance through the National Flood Insurance Program (NFIP) for flood protection. Even if you're not in a designated flood zone, flash flooding can occur anywhere in Oklahoma County during severe storms.
Most Oklahoma homeowners policies have separate deductibles specifically for wind and hail damage, typically expressed as a percentage of your dwelling coverage rather than a flat dollar amount. For example, a 2% wind/hail deductible on a $400,000 home means you pay the first $8,000 of damage out of pocket before insurance coverage kicks in. Given Edmond's frequent hail and severe storms, understanding your wind/hail deductible is critical—you can choose a higher deductible to lower your premium, but make sure you have the cash reserves to cover it when a storm hits.
Both approaches have merit, but local Edmond agents offer significant advantages beyond just price. They understand specific neighborhood risks—which streets flood, which areas get hit hardest by hail—and can recommend appropriate coverage levels for your exact situation. Local independent agents can also shop multiple carriers simultaneously, bundle policies for maximum discounts, and provide personalized service when you need to file a claim after a storm. While online quotes give you baseline pricing, local agents often find discounts and coverage combinations you'd miss shopping on your own.
An umbrella policy provides additional liability coverage (typically $1-5 million) beyond your auto and home insurance limits for about $200-400 annually. Given Edmond's affluent demographics and median household income over $102,000, many residents have significant assets worth protecting beyond standard policy limits. If you own your home, have substantial savings or retirement accounts, or work as a professional or small business owner, an umbrella policy protects you from catastrophic liability claims that could exceed your standard coverage—like serious injuries on your property or a major car accident you cause.
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