Local Expertise for Exceptional Homes

Serving Edmond, Oklahoma City, and surrounding communities

Despite the turbulence in Oklahoma’s home insurance market over the past few years, there is good news for luxury homeowners: several of our preferred carriers remain highly interested in insuring high‑value homes and have recently updated pricing on both home and auto insurance. At Statewide Insurance Agency, we help clients in Edmond and the OKC metro align coverage with risk—so your residence and lifestyle are protected without overpaying.

Why high‑value homes need tailored coverage

Rebuild costs vs. market price

The true cost to rebuild a custom home can exceed market value. We focus your policy on replacement cost with accurate dwelling limits and endorsements appropriate for premium finishes.

Roof surface replacement options

Ask about roof surface replacement coverage for qualifying roofs. Depending on age, materials, and carrier guidelines, you may avoid actual cash value (ACV) depreciation on a covered roof claim.

High‑value contents & schedules

Artwork, jewelry, wine collections, and specialty equipment often need separate limits or schedules. We’ll help itemize and protect what matters most.

Liability that fits your lifestyle

Elevated liability limits and an umbrella policy can safeguard your household against larger lawsuits related to property, guests, vehicles, and recreational exposures.

Ways to save without sacrificing protection

• Bundle home & auto: Many carriers have improved auto and home pricing for qualified households in Edmond and OKC.
• Roof & updates: Recent roof replacements, monitored alarms, and risk‑mitigation upgrades can lower premiums.
• Higher deductibles: Consider wind/hail and all‑peril options that balance savings with comfort on claim day.
• Annual reviews: We re‑shop with multiple companies to keep your coverage aligned with the market.

Get a local, personalized quote

We specialize in Edmond home insurance and proudly serve the Oklahoma City metro.

Call (405) 285‑2929  or  Visit okstatewide.com

FAQ: High‑value home insurance in Oklahoma

What qualifies as a high‑value home in Oklahoma? Carriers vary, but properties with a rebuild value over $750,000 often qualify. We confirm the right threshold and coverage structure for your home.

Can I get roof surface replacement instead of ACV? In many cases yes, depending on roof age, material, inspection, and the carrier’s current guidelines.

Do you insure luxury homes outside Edmond? Yes—we serve Edmond, the OKC metro, and write high‑value homes across Oklahoma.

Will bundling home and auto lower my premium? Yes. Several preferred carriers recently adjusted pricing and provide strong savings for qualified households that bundle.

Statewide Insurance Agency
2814 N Kelly Ave., Edmond, OK 73003 • (405) 285‑2929 • okstatewide.com