Homeowners insurance availability in Oklahoma
Oklahoma is projected to become the second most expensive state for homeowners insurance, with 2025 premiums up roughly 24% on convective storm losses, and non-renewal rates that doubled between 2018 and 2023 in federal data.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| Farmers Insurance | Non-renewing blocks | 2024-11-01 |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance
Tracked activity in Oklahoma
Designated Oklahoma examiner denies the bid to disqualify the hearing examiner and the Commissioner in the noncompetitive-market case
An Order dated October 2, 2026 in case 26-0820-TRN, signed by Stephan S. Mathis as an Independent Hearing Examiner designated by the Insurance Commissioner under 75 O.S. section 316 to determine the question, denies the joint affidavit of the Oklahoma Attorney General and Bob Sullivan, an interested party of record, seeking disqualification of Independent Hearing Examiner John D. Miller and of Insurance Commissioner Glen Mulready. The order finds the movants "have not met their burden of overcoming the presumption of impartiality", denies the request that the Commissioner withdraw as moot on the ground that he has delegated his adjudicative authority to the hearing examiner and does not preside, overrules the movants’ September 29, 2026 joint objection, denies the request to stay substantive rulings, and directs that "the proceeding shall resume under the Hearing Examiner without further delay". It grants the requests to preserve the record of the September 4, 2026 prehearing conference and for a written order. On October 5, 2026 the Attorney General and Bob Sullivan moved to stay further proceedings pending an application to the Supreme Court of Oklahoma to assume original jurisdiction and a petition for writs of prohibition and mandamus; NAMIC and APCIA filed an objection to that motion on October 7, 2026. OID’s case docket carried 45 filings when read on October 12, 2026, against 41 on October 5, with no new hearing date set. A procedural order names no carrier and sets no carrier status.
Source: Oklahoma Insurance Department, Order in case 26-0820-TRN, October 2, 2026 · verified 2026-10-12
Oklahoma hearing examiner stays the noncompetitive-market case and strikes all previously set hearing dates
An Administrative Order filed September 28, 2026 in case 26-0820-TRN records that on September 15, 2026 the matter was heard only on the disqualification of the appointed hearing examiner, sought by joint affidavit of the Oklahoma Attorney General and Bob Sullivan, an interested party of record, under 75 O.S. section 316. The examiner found that the statute requires the issue to be "determined promptly by the administrative head of the agency", ordered the matter stayed, directed the disqualification issue to Insurance Commissioner Glen Mulready for decision, and struck "any hearing dates or schedules previously set". That includes the October 26, 2026 hearing on whether the Oklahoma homeowners insurance market is noncompetitive under 36 O.S. section 984. On September 29, 2026 the Attorney General and Bob Sullivan filed a joint objection asking for a written determination by noon on October 2, 2026, a ruling on the disqualification of both the examiner and the Commissioner, and that the stay remain in effect until both are decided. OID’s case docket carried 41 filings when read on October 5, 2026, the two newest dated September 28 and 29, with no written determination on the docket. A procedural order names no carrier and sets no carrier status.
Source: Oklahoma Insurance Department, Administrative Order in case 26-0820-TRN, September 28, 2026 · verified 2026-10-05
Oklahoma hearing examiner strikes the prehearing conference to hear a motion to disqualify the examiner
An Administrative Order filed September 14, 2026 in case 26-0820-TRN states that a Motion to Disqualify the Independent Hearing Examiner was filed on September 10, 2026 by the Attorney General’s office and on behalf of Bob Sullivan, an interested party of record. The order strikes the prehearing conference that had been set for September 15, 2026 at 10 a.m. via Microsoft Teams, and provides that the motion to disqualify only will be heard at that time. The joint affidavit filed September 10, 2026 by the State of Oklahoma ex rel. Attorney General Gentner Drummond and by Bob Sullivan seeks disqualification, under 75 O.S. section 316, of both the Independent Hearing Examiner and the Insurance Commissioner. OID’s published case docket carried 38 filings when read on September 21, 2026, against 30 on September 14; all eight added rows are dated September 14, 2026 and are the witness lists of the Oklahoma Insurance Department, the Attorney General, Bob Sullivan and the Oklahoma P&C Advocacy Association, a joint NAMIC and APCIA witness list, the NAMIC and APCIA response brief, the Department’s reply in support of its motion to dismiss parties for lack of standing, and this Administrative Order. The Motion to Disqualify itself does not appear on the docket as its own row; the order and the joint affidavit are the record of it. The hearing under 36 O.S. section 984 on whether the Oklahoma homeowners insurance market is noncompetitive remains set for October 26, 2026; this order does not move it. A procedural order names no carrier and sets no carrier status.
Source: Oklahoma Insurance Department, Administrative Order in case 26-0820-TRN, September 14, 2026 · verified 2026-09-21
Oklahoma hearing on whether the homeowners market is noncompetitive is continued to October 26, 2026
The Independent Hearing Examiner in case 26-0820-TRN issued an Order for Continuance, filed September 10, 2026, rescheduling the hearing under 36 O.S. section 984 on whether the Oklahoma homeowners insurance market is noncompetitive from September 14, 2026 to October 26, 2026 at 9 a.m. at the Oklahoma State Capitol, Multi-Purpose Room 100. The order states the continuance was granted at the request of the Oklahoma P&C Advocacy Association, over the objection of the Oklahoma Attorney General, Bob Sullivan (an interested party of record), the National Association of Mutual Insurance Companies and the American Property and Casualty Insurance Association, and without objection from the Oklahoma Insurance Department. The same order continued the prehearing conference to September 15, 2026, set September 14, 2026 as the deadline for parties to file witness lists, and scheduled oral argument on the Department motion to dismiss parties for lack of standing. OID announced the order in a September 11, 2026 special notice to all property and casualty insurers and published a case webpage carrying the official record of the proceeding.
Source: Oklahoma Insurance Department special notice · verified 2026-09-14
Hearing examiner sets an August 26 entry-of-appearance deadline in the Oklahoma noncompetitive-market hearing
The Independent Hearing Examiner in the 36 O.S. section 984 proceeding (case 26-0820-TRN-NMN) issued an order on July 29, 2026 requiring any party wishing to participate in the September 14, 2026 hearing on whether the Oklahoma homeowners insurance market is noncompetitive to file an entry of appearance with the Department by August 26, 2026, and scheduling a prehearing conference for all appearing parties on August 27, 2026. The Insurance Commissioner circulated the order to all property and casualty insurers in a special notice dated July 31, 2026.
Source: Oklahoma Insurance Department special notice · verified 2026-08-03
Oklahoma 60-day homeowners cancellation and non-renewal notice rule takes effect
Oklahoma amended OAC 365:15-1-14(b) and (d) through House Joint Resolution 1091, effective July 25, 2026, requiring insurers to give at least 60 days notice before the date of cancellation or non-renewal of a homeowners policy or any other personal residential coverage. Where the action is for one of the reasons listed in 36 O.S. section 3639.1(A), the rule sets at least 10 days notice before cancellation and 30 days before non-renewal. Commissioner Glen Mulready published the change in Bulletin 2026-02 on July 28, 2026.
Source: Oklahoma Insurance Department Bulletin 2026-02 · verified 2026-08-03
Oklahoma Insurance Department sets a hearing on whether the homeowners market is noncompetitive
The Oklahoma Insurance Department issued a notice of hearing under 36 O.S. sections 307 and 984 and OAC 365:1-7-1(a), set for Monday, September 14, 2026 at 9 a.m. in Multipurpose Room 100 of the Oklahoma State Capitol, to determine whether the homeowners insurance market in Oklahoma is noncompetitive. The notice states the hearing is not for the purpose of determining whether any particular homeowners rates are excessive, nor for addressing claims issues, and invites property and casualty insurers and the Oklahoma Attorney General to file an entry of appearance with OID legal.
Source: Oklahoma Insurance Department special notice · verified 2026-07-20
Strengthen Oklahoma Homes opens statewide applications
The Oklahoma Insurance Department opened statewide applications for Strengthen Oklahoma Homes on January 12, 2026, offering up to $10,000 per homeowner for fortified roofs; the pilot reported over 100 homes upgraded and premium discounts of 20-30% for participants.
Source: Oklahoma Insurance Department · verified 2026-07-02
Strengthen Oklahoma Homes grant program launches first pilot
The Oklahoma Insurance Department launched the Strengthen Oklahoma Homes program, offering up to $10,000 per household for fortified roof upgrades, with a first pilot of 100 homes beginning March 3, 2025.
Source: Oklahoma Insurance Department · verified 2026-07-02
Farmers non-renews about 1,300 eastern Oklahoma homeowners policies
The Oklahoma insurance commissioner announced Farmers Insurance would decline renewal on approximately 1,300 homeowners policies in eastern Oklahoma starting November 1, 2024, described as a wildfire-risk reduction affecting under 2% of Farmers’ Oklahoma book.
Source: OKC Fox 25 · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Oklahoma non-renewal playbook