Protecting what matters most with customized coverage built around your life.

Comprehensive Personal Insurance Solutions Across Oklahoma

Protection That Grows With You

At 317 Insurance Advisors, we believe personal insurance should do more than check a box. Our carefully tailored policies are designed to protect what’s most important to you: your home, your car, your health, your pets, your peace of mind. Our experienced advisors take the time to understand your life, guiding you through a wide range of options so you feel confident, covered, and ready for whatever life has in store.

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Personal insurance for every chapter of life

From your first apartment to your family home, from starting a career to planning for retirement, your needs change. And your insurance should too. Our goal is to help you build a flexible, affordable plan that supports your financial stability and protects your future. Whether you’re looking for ways to reduce costs, grow long-term value, or simply feel secure in your next steps, we’re here to help with thoughtful solutions tailored to you.

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Explore Our Coverage Options

Home & Property

Homeowners

What is Homeowner's Insurance?

Homeowner’s insurance covers a private residence. It is a package policy that covers damage and losses to your house and property, as well as your legal responsibility for any injuries or property damage sustained by others while at your residence.

OUR HOME INSURANCE PARTNERS OFFER A VARIETY OF COVERAGE OPTIONS, INCLUDING:

Dwelling coverage - for structural damage to your house, as well as coverage for other non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
Personal property insurance - against fire, theft, and loss, with limitations regarding valuable items.
Liability protection - in the event that someone makes a claim against you for injuries or damage sustained in your home or on your property.
Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.

Renters

What Is Renter's Insurance?

Renters insurance is like homeowners insurance, but you take it with you even if you move. It protects your personal property and provides most of the benefits of home insurance, including liability insurance. However, it does not protect the dwelling or structure of the home itself, which is the landlord’s responsibility to insure.

OUR CARRIERS CAN PROTECT RENTERS AND THEIR PROPERTY AGAINST THE FOLLOWING:

Fire
Theft
Vandalism
Liability if someone is hurt or accrues damage to personal property in your rental home.
Additional living expenses (if you have to live somewhere else while the home is repaired, for example).

Landlord

What Is Landlord Insurance?

Standard homeowner’s insurance only provides limited coverage for rental properties, so landlord policies are necessary if you have additional properties you rent. Landlord Insurance protects you from financial loss associated with natural disasters, along with unique losses that accompany bad renters, such as vandalism and theft. Policies typically cover the entire building, as well as any interior property you own, such as washers, dryers, and furniture.

OUR CARRIERS CAN PROTECT YOU FROM THE FOLLOWING, AS WELL AS ADDITIONAL COVERAGES:

Fire
Storm
Explosion
Flood
Earthquake
Water damage
Malicious damage or theft by tenant
Liabiity in the case of harm or damage to tenant's personal property

Condo

What Is Condominium Insurance?

Condo insurance is specifically designed for those who live in a unit structure owned and insured by a separate association. These associations employ master insurance policies that usually cover only the external structure of the unit. With condo insurance, you can protect the interior along with all your valuables.

OUR INSURANCE PARTNERS OFFER THESE BENEFITS WHEN YOU INSURE YOUR CONDO:

Coverage for damage to personal property such as furniture, electronic equipment, and clothing
Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your condo
Coverage for interior walls and floor coverings
Coverage for improvements or upgrades you make to the condo that aren’t covered by the master insurance policy

Mobile Home

What is Mobile Home Insurance?

Mobile home insurance is similar to standard home insurance, but the increased risk of severe weather damage, fire, and theft proven to affect mobile homes leads to a need for more unique insurance options

OUR CARRIERS OFFER MOBILE HOME INSURANCE OPTIONS INCLUDING:

Trip collision coverage, which insures your home as it is transported from the factory to your location.
Vendor’s single interest coverage, which protects against various types of fraud, including a lienholder's right to repossess the manufactured home.
Dwelling coverage for structural damage to your mobile home, as well as coverage for other, non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
Personal property insurance against fire, theft, and loss, with limitations regarding valuable items
Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your mobile home or on your property.
Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.

Pet Insurance

What is Pet Insurance?

Pets have doctor bills just like humans do. Pet insurance helps to cover the majority of those vet bills, so you can keep them as healthy and cared for as possible. Most policies typically cover up to 90% of the bill, allowing you to give them the full attention they need.

TYPES OF PET INSURANCE

PET INSURANCE CAN HELP COVER YOUR PET IN THE CASE OF:

Accidents
Genetic Conditions
Cancer
Wellness therapy
Specialist care
Prescription drugs
Behavioral therapy
And more...

Dwelling Fire

What is Dwelling Fire Insurance?

Although dwelling fire insurance sounds a lot like insurance that protects a home from fire damage, that’s not all there is to it. Dwelling fire insurance covers several different areas that you may not even think would happen to your home. It is meant for homes that are vacated, rented, and seasonally used. Not just owner-occupied.

OFFERS COVERAGE FOR:

Builder's Risk Insurance

What is Builder's Risk Insurance?

While constructing a new building is exciting, it comes with a lot of risks. Especially during the process when unfinished parts are left out in the open. To ensure that no harm comes to your project, builders risk insurance adds much needed protection. It’s not only for the builders themselves, but also the owner, lending institution, and more.

WHAT BUILDER’S RISK INSURANCE COVERS

WHAT DOES IT NOT COVER?

Does not cover the property of others.
Sub-contractors are required to have their own insurance.
No coverage for tools or equipment.
No coverage for professional liability
Does not cover accidents at the job site.
Coverage typically ends when the building/project is completed or occupied.

Farm and Ranch

What is Farm and Ranch Insurance?

Your farm or ranch is a hybrid of home and business, so you need a unique policy to keep it protected from every angle. Our insurance providers offer policies that protect every farm, from small startups to industrial production growers.

WHEN YOU PURCHASE FARM AND RANCH INSURANCE FROM OUR CARRIERS, A WIDE VARIETY OF ASSETS CAN BE COVERED, INCLUDING:

Farm, home, and personal property
Detached garages, farm, and ranch structures.
Machinery and equipment, rented or owned
Farm interruption, loss to farm products, and/or loss of income
Liability in the event that someone is hurt or accrues damage to personal property on your farm
Livestock
Protection against unwarranted claims of animal abuse or land misuse
Liability for food products you sell or process for others
Commercial and farm automobiles
Agritourism and more

Crop Insurance

What Is Crop Insurance?

Crop insurance is broken down into two categories: multi-peril crop insurance and crop-hail insurance. Multi-peril crop insurance (MPCI) covers losses caused by natural disasters and is backed up by the Federal Crop Insurance Program, whereas crop-hail insurance is not. Instead, this policy is typically purchased as a supplement to MPCI by farmers who are in an area where hail is a frequent event.

MPCI COVERS CROP LOSSES FROM:

Earthquake

What is Earthquake Insurance?

Earthquake insurance protects your home and belongings from the damage that occurs when an earthquake hits. Like flooding, earthquake coverage is excluded from most comprehensive home insurance policies.

WHO NEEDS IT?

Earthquake insurance usually comes with a fairly high deductible, so this insurance may not be on your radar unless your home resides in an area where earthquakes are likely. Still, all 50 states are susceptible to earthquakes, and damages caused by these natural disasters are not covered by your homeowner’s insurance. Adding earthquake insurance to your policy provides extra protection in case your home is damaged — or completely destroyed — by an earthquake. The rate for your deductible depends on your home’s location, its building materials, and the likelihood of an earthquake.

Flood

What is Flood Insurance?

Flood insurance protects the structure of your home, as well as your personal items that are ruined or damaged by flooding. Because homeowner’s insurance doesn’t cover flood damage, your home must be insured under a separate flood policy.

GET COVERED

If you purchase flood insurance from our carriers, it can cover some or all of the following:

Your home's foundation
A personal building's foundation
Electrical and plumbing systems
Air conditioning equipment, furnaces, and heaters
Appliances like washers, dryers, refrigerators, and stoves
Personal possessions, such as electronic equipment, furniture, and clothing

Vacant Property Insurance

What Is Vacant Property Insurance?

There are several reasons why a home can be vacated. When this happens, it poses more risks since there is nobody to watch over it. Such risks are: vandalism, fire, theft, and more. The policy, in simple terms, is there to add protection to the home when nobody can take care of it.

WHAT VACANT PROPERTY INSURANCE INCLUDES

Umbrella Insurance

What is Umbrella Insurance?

The term “umbrella insurance” may sound a bit funny, but it is actually an incredibly important policy, especially if you are someone with a lot to lose or are in need of extra liability coverage. Umbrella insurance, also known as excess liability coverage, is designed to keep you and your valuables protected if ever you reach your auto and homeowner insurance liability limit. Your assets including college funds, retirement savings, and more could be at risk without having umbrella insurance to make sure it stays safe and secure from a serious lawsuit.

Bodily Injuries - covers cost of medical bills and/or liability claims as a result of injuries from second party member.
Damage to property - covers cost of damage to property, accidental or otherwise, created by an outside force or member.
Certain lawsuits - coverage is available for situations such as being sued for slander, libel, false arrest, and more.
Owners of rental units - helps protect against liability claims as a result of issues created by outside forces or members.
Defense coverage - covers attorney fees and other legal costs.
Worldwide coverage - coverage for incidents that have happened abroad.

Identity Theft Recovery Coverage

What Is Identity Theft Recovery Coverage?

If you or someone you know has ever dealt with identity theft, you know it can be an enormous expense of time and money to get things back to normal. Identity Recovery Coverage (IDR) is designed to help you through the process of recovering your stolen information, correcting your credit score and personal records, and covering costs associated with the information theft. IDR is available for a very low premium, and can easily be added to your pre-existing homeowner’s or renter’s insurance policy.

OUR IDR CASE MANAGERS CAN ASSIST YOU WITH:

Contacting and writing letters on your behalf to credit bureaus, government agencies, and law enforcement
Ordering copies of your credit report to review recent activity
Closing accounts that you believe have been tampered with
Providing legal referrals for assistance with court appearances, etc
Keeping detailed records of the progress of your case

ASSOCIATED COSTS WE COVER INCLUDE:

Valuable Items (jewelry, fine arts, firearms, etc.]

What Is Valuable Items Insurance?

Homeowner’s insurance policies offer protection for your personal belongings, but only to an extent. While it may cover your furniture, clothing, electronics, and appliances, you likely won’t be fully compensated for damage or loss to those expensive odds and ends that you value on a more personal level.

Our carriers can insure your valuable items either individually or as a collection, depending on the coverage you need. In the case of loss, theft, or everyday damage, you can claim insurance on items like:

Antiques
Instruments
Jewelry
Silverware
Sports equipment
Art
Bicycles
Fine Arts
Firearms
Coin collections and more

OFFERS COVERAGE FOR:

Life

Understanding Life Insurance

Life insurance is more than a policy; it’s a promise to safeguard the financial well-being of your loved ones after you’re gone. With various options like term insurance for temporary coverage and permanent insurance for lifelong protection, you can tailor the plan that best suits your needs.

Term life insurance: offers protection for a specific period, often chosen until major financial responsibilities diminish, such as paying off a mortgage or children graduating from college. It’s a flexible solution designed to adapt to your evolving life stage.

Permanent life insurance: is your lifelong financial companion, accumulating cash value with fixed premiums. It’s an enduring commitment to ensure your family’s financial stability over the long term, offering benefits beyond mere protection.

Get Covered

Choosing life insurance with 317 Insurance Advisors grants you diverse options, such as:

Annuity

What Is An Annuity?

An annuity is a policy in which you put money into in order to grow those funds and receive them as income. That income can be received either immediately or at a later time with a rate of return, such as during retirement. You can choose to either pay a lump sum or a number of payments paid yearly.

Types of Annuities

Immediate Annuity- A long-term contract that provides guaranteed payments almost immediately after making your first payment. These payments can be received either over a lifetime or within a specified period of time.
Deferred Annuity- Lets you choose when you want the payments to start coming in, usually upon retirement after earning tax-deferred interest.
Fixed Annuity- The insurance company takes the investment risk by placing money into a fixed rate, such as in a bond. It guarantees a minimum interest rate you will earn over time.
Variable Annuity- Tax-deferred retirement plan that allows you to choose from different retirement options that pay you based on how well your investments do. These investments may include stocks, bonds, mutual funds, or money markets.

Children's Life Insurance

What Is Children's Life Insurance?

Children’s life insurance can be purchased two different ways: through your term life or whole life insurance. A certain amount of your money for both policies can be extended to your child. That way once the child is old enough, they can become the policy owner. Many find having life insurance for children is very beneficial because it locks in a child’s ability to qualify for more life insurance later. It also provides much needed savings and funding for expenses later on down the road.

Benefits of Children’s Life Insurance

Final Expense

What Is Final Expense?

Did you know that funerals now cost between $7,000-$10,000? After losing a loved one, trying to cover such a massive expense can be a lot to take on. The last thing you need during a hard time is more added stress. In the difficult time, final expense life insurance is there to help make your darker days a little brighter.

Who Is Eligible for Final Expense Insurance?

Term Life

What Is Term Life Insurance?

Term Life Insurance is one of the most affordable types of insurance and provides protection during the “term” during which you pay premiums for.

Term Life insurance may be the right fit for you if you are looking for:

Guaranteed coverage for a specific amount of time or to cover specific financial obligations
Affordability and payments guaranteed not to change
An addition to a work provided life insurance plan
Short-term coverage for debts or other needs
Provide for loss of income
Offer protection to help pay off a mortgage or college loans

Universal Life Insurance

What Is Universal Life Insurance?

Also referred to as a “UL” policy, a Universal Life Insurance plan is a flexible form of permanent life insurance. It allows you to protect your loved ones and build tax-deferred cash value by paying additional money to a life insurance premium to “overfund the policy.” That additional money builds cash value, along with interest, that may be borrowed from or used to subsidize your life insurance policy cost in the future. You may also temporarily decrease your payments or occasionally skip a payment, as long as you repay any money taken from your cash value.

Universal Life Insurance Can be Used For:

Builds cash value
Guarantees coverage for life
Locks in affordable premium
Lost income for mortgage costs and educational needs
Access to cash value for life's opportunities
Estate, special needs, and business planning

Policies Typically Offer:

Whole Life

What Is Whole Life Insurance?

Sometimes called “straight life” or “ordinary life,” Whole Life Insurance covers your entire lifetime. It helps those you leave behind to deal with expenses and loss of income by building cash value that grows tax-deferred and can be accessed throughout your lifetime.

Benefits of Whole Life Insurance

Auto & Recreation

Auto

What Is Auto Insurance?

Auto insurance is coverage for the vehicles you drive and what can happen as a result. Driving can be unpredictable, and our insurers’ comprehensive auto insurance packages provide protection from any unforeseen circumstances.

Most Policies Offer

Liability
Comprehensive coverage
Collision coverage
Uninsured/underinsured motorists
Rental car reimbursement
Roadside assistance
Medical payments as a result of an accident
Coverage of damages that occur as a result of an auto collision with another vehicle
Coverage of damages that occur as a result of an auto collision with something other than another vehicle
Protection from vehicle theft
Protection from vandalism
Protection from weather related damages
Accidents with uninsured/underinsured individuals

Motorcycle

What Is Motorcycle Insurance?

Motorcycle insurance provides protection against injury due to a motorcycle accident or liability from a motorcycle driver and the actions they take.

What It Offers:

Roadside Assistance
Collision
Medical payments
Physical damage to a bike as a result of a collision with another moving vehicle
Physical damage as a result of something other than another moving vehicle
Accidents with uninsured/underinsured individuals

What Is RV Insurance?

Recreational Vehicle Insurance covers motorhomes, airstream trailers, mounted truck campers, and more. This coverage protects owners from problems unique to RV owners.

Offers Coverage For:

ATV

What Is ATV Insurance?

All Terrain Vehicle insurance protects against damages to your ATV as well as any bodily injury that may occur as a result of its operation.

ATV insurance policies can cover a great deal of vehicles that one might not consider to be ATVs. Some of the other vehicles covered include:

What It Offers

Boating

What Is Boating Insurance?

An insurance plan for recreational boats used for fishing, sailing, and other water activities.

What It Covers

Travel

What Is Travel Insurance?

Planning to go on an adventure? Great! Prepare for whatever might come your way with a travel insurance package.

What It Covers

Antique/Hobby Car

Your Special Cars Need Special Car Insurance

Antique and Hobby Car Insurance is a policy designed specifically to protect valuable collectors’ cars. No matter if you use the classic car or not, this insurance plan will help keep it safe. It includes features that you cannot get with normal car insurance because classic cars are like no other.

What It Offers:

Liability from a motor vehicle crash
Damages to a car’s exterior
Coverage for modern, antique, and vintage cars
Spare parts coverage
Instant new purchase coverage
And more...

Let’s talk about protecting what matters to you

Have questions about your coverage? Thinking about updating your coverage? Our team is here to guide you. We’ll help you explore your options, explain the details, and find a plan that fits your life today and grows with you tomorrow.

Trusted carriers, chosen for you

To ensure you’re well protected, we partner with leading insurance carriers that uphold the same standards of quality, reliability, and customer-focused care that we do. Each one has been thoughtfully selected to help us offer coverage you can count on. We’re proud to partner with the respected companies below as we help protect what matters most to you: