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Directory · Oklahoma · Homeowners

Who writes homeowners in Oklahoma

From the Oklahoma company list; alphabetical, since Oklahoma doesn't publish every company's premium by line.

138 insurers are licensed for homeowners in Oklahoma on the regulator's list. State Farm Group wrote the most in 2025 (31.9% of the state's premium).

By Sam Alishahi, independent insurance broker · All lines in Oklahoma

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Oklahoma

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1State Farm Group$922.5M31.90%68%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Allstate Insurance Group$366.3M12.67%45%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
3United Serv Automobile Assn Group$258.5M8.94%59%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
4Farmers Insurance Group$238.1M8.23%30%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
5Liberty Mutual Group$177.7M6.15%28%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6American Family Insurance Group$125.8M4.35%27%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
7Mercury General Group$86.5M2.99%36%Mercury Insurance Company, California Automobile Insurance Company, Mercury Insurance Company of Texas, Mercury County Mutual Insurance Company
8Csaa Insurance Group$78.2M2.71%49%CSAA Insurance Exchange, CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY, CSAA General Insurance Company, Mobilitas Insurance Company
9Shelter Insurance Group$70.5M2.44%69%Shelter Mutual Insurance Company, Shelter General Insurance Company, Amshield Insurance Company, Haulers Insurance Company, Inc.
10Oklahoma Farm Bureau Group$63.2M2.18%58%Agsecurity Insurance Company, Oklahoma Farm Bureau Mutual Insurance Company
Homeowners · Oklahoma

The companies

CompanyNAICHome stateStatus hereLines
Acadia Insurance Company31325IAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
Aegis Security Insurance Company33898CAAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Earthquake, Flood +5 more
Alliance Indemnity Company33154KSAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Allstate Indemnity Company19240ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Allstate Insurance Company19232ILAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +5 more
Allstate North American Insurance Company11110ILAdmitted (licensed)Homeowners
Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Allstate Vehicle and Property Insurance Company37907ILAdmitted (licensed)Homeowners, Inland marine, General liability
American Bankers Insurance Company of Florida10111FLAdmitted (licensed)Personal auto, Credit, Flood +4 more
American Economy Insurance Company19690INAdmitted (licensed)Earthquake, Homeowners, Inland marine +1 more
American Family Connect Property and Casualty Insurance Company29068WIAdmitted (licensed)Personal auto, Homeowners, General liability
American Farmers & Ranchers Mutual Insurance Company41475OKAdmitted (licensed)Personal auto, Farm and crop, Homeowners +3 more
American Fire and Casualty Company24066NHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
American Hallmark Insurance Company of Texas43494TXAdmitted (licensed)Personal auto, Homeowners
American Mercury Insurance Company16810OKAdmitted (licensed)Personal auto, Homeowners, General liability +1 more
American Modern Home Insurance Company23469OHAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
American National General Insurance Company39942NEAdmitted (licensed)Personal auto, Earthquake, Homeowners
American National Property and Casualty Company28401NEAdmitted (licensed)Aircraft and aviation, Personal auto, Credit +7 more
American Reliable Insurance Company19615AZAdmitted (licensed)Personal auto, Farm and crop, Homeowners +3 more
American Risk Insurance Company, Inc.12898TXAdmitted (licensed)Homeowners
American Security Insurance Company42978DEAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Strategic Insurance Corporation10872INAdmitted (licensed)Flood, Homeowners, Inland marine +2 more
American Summit Insurance Company19623TXAdmitted (licensed)Homeowners, General liability, Commercial property (fire and allied lines)
Amica Mutual Insurance Company, The19976RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Argonaut Insurance Company19801NEAdmitted (licensed)Personal auto, Equipment breakdown, Farm and crop +7 more
Armed Forces Insurance Exchange41459KSAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)Earthquake, Homeowners, General liability +2 more
Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact16825OHAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
California Casualty Indemnity Exchange, The20117CAAdmitted (licensed)Personal auto, Homeowners, Inland marine
Casualty Corp Of Amer10537OKAdmitted (licensed)Personal auto, Homeowners, Commercial property (fire and allied lines)
Central Insurance Company20230OHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
Century-National Insurance Company26905ILAdmitted (licensed)Homeowners
Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +8 more
Chubb Indemnity Insurance Company12777NYAdmitted (licensed)Equipment breakdown, Fidelity bonds, Homeowners +3 more
Chubb National Insurance Company10052INAdmitted (licensed)Personal auto, Equipment breakdown, Fidelity bonds +5 more
Continental Western Insurance Company10804IAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
Cornerstone National Insurance Company10783MOAdmitted (licensed)Personal auto, Earthquake, Farm and crop +2 more
COUNTRY Mutual Insurance Company20990ILAdmitted (licensed)Personal auto, Farm and crop, Homeowners +3 more
Country Preferred Insurance Company21008ILAdmitted (licensed)Personal auto, Homeowners, Inland marine
CSAA General Insurance Company37770INAdmitted (licensed)Personal auto, Earthquake, Flood +4 more
Economy Premier Assurance Company40649ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Encompass Indemnity Company15130ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Encompass Insurance Company of America10071ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
Esurance Insurance Company25712ILAdmitted (licensed)Personal auto, Homeowners, Inland marine
Esurance Property and Casualty Insurance Company30210ILAdmitted (licensed)Personal auto, Homeowners
Farmers Alliance Mutual Insurance Company19194KSAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +7 more
Farmers Casualty Insurance Company40169RIAdmitted (licensed)Personal auto, Homeowners, Inland marine
Farmers Insurance Company, Inc.21628KSAdmitted (licensed)Personal auto, Flood, Homeowners +1 more
Farmers Insurance Exchange21652CAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
Farmers Mut Fire Ins Co28738OKAdmitted (licensed)Earthquake, Homeowners, Commercial property (fire and allied lines)
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Earthquake, Flood +3 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +9 more
Fidelity and Deposit Company of Maryland (The)39306ILAdmitted (licensed)Equipment breakdown, Crime (burglary and theft), Earthquake +5 more
Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +6 more
Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)Personal auto, Flood, Homeowners +4 more
Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)Personal auto, Homeowners
Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Goodville Mutual Casualty Company14044PAAdmitted (licensed)Personal auto, Farm and crop, Homeowners +4 more
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Great Northwest Insurance Company26654MNAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +10 more
Hartford Accident and Indemnity Company22357CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Hartford Casualty Insurance Company29424INAdmitted (licensed)Personal auto, Equipment breakdown, Homeowners +4 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Flood, Homeowners +4 more
Hartford Underwriters Insurance Company30104CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Homeowners of America Insurance Company12536TXAdmitted (licensed)Homeowners
Homesite Indemnity Company20419MAAdmitted (licensed)Flood, Homeowners
Homesite Insurance Company17221MAAdmitted (licensed)Earthquake, Homeowners, Commercial property (fire and allied lines)
Horace Mann Insurance Company22578ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Indemnity Insurance Company of North America43575PAAdmitted (licensed)Personal auto, Equipment breakdown, Farm and crop +6 more
Integon Indemnity Corporation22772ILAdmitted (licensed)Personal auto, Homeowners
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Lemonade Insurance Company16023NYAdmitted (licensed)Homeowners, Inland marine
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Liberty Mutual Insurance Company23043MAAdmitted (licensed)Personal auto, Earthquake, Farm and crop +8 more
Liberty Mutual Personal Insurance Company12484NHAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Lyndon Southern Insurance Company10051DEAdmitted (licensed)Personal auto, Equipment breakdown, Credit +3 more
Markel American Insurance Company28932VAAdmitted (licensed)Personal auto, Homeowners, Inland marine +3 more
Markel Insurance Company38970ILAdmitted (licensed)Personal auto, Farm and crop, Homeowners +5 more
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
MDOW Insurance Company12810TXAdmitted (licensed)Personal auto, Farm and crop, Homeowners +2 more
Mid-Century Insurance Company21687CAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
Midvale Indemnity Company27138WIAdmitted (licensed)Personal auto, Farm and crop, Homeowners +2 more
National Security Fire and Casualty Company12114ALAdmitted (licensed)Homeowners, General liability, Commercial property (fire and allied lines)
National Summit Insurance Company15474TXAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
Nationwide Insurance Company of America25453OHAdmitted (licensed)Personal auto, Homeowners, General liability
New South Insurance Company12130ILAdmitted (licensed)Personal auto, Homeowners
North Star Mutual Insurance Company14850MNAdmitted (licensed)Personal auto, Farm and crop, Homeowners +3 more
Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +8 more
Ohio Security Insurance Company24082NHAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
Oklahoma Farm Bureau Mutual Insurance Company21563OKAdmitted (licensed)Personal auto, Farm and crop, Homeowners +3 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Peerless Indemnity Insurance Company18333ILAdmitted (licensed)Earthquake, Homeowners, Inland marine
Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)Personal auto, Crime (burglary and theft), Farm and crop +7 more
Praetorian Insurance Company37257PAAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)Personal auto, Flood, Homeowners +3 more
Progressive Northern Insurance Company38628WIAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
QBE Insurance (Europe) Limited39217PAAdmitted (licensed)Aircraft and aviation, Personal auto, Crime (burglary and theft) +5 more
Rock Ridge Insurance Company11089TXAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Safeco Insurance Company of America24740NHAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Shelter Mutual Insurance Company23388MOAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +5 more
Spinnaker Insurance Company24376ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Standard Fire Insurance Company (The)19070CTAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +7 more
Standard Guaranty Insurance Company42986DEAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
StarNet Insurance Company40045IAAdmitted (licensed)Personal auto, Equipment breakdown, Farm and crop +6 more
State Automobile Mutual Insurance Company25135OHAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +8 more
State Farm Fire and Casualty Company25143ILAdmitted (licensed)Personal auto, Earthquake, Farm and crop +6 more
State National Insurance Company, Inc.12831TXAdmitted (licensed)Aircraft and aviation, Personal auto, Homeowners +6 more
Stillwater Insurance Company25180CAAdmitted (licensed)Earthquake, Homeowners, Inland marine +2 more
Sutton National Insurance Company25798OKAdmitted (licensed)Homeowners, Ocean marine, Workers' compensation
Teachers Insurance Company22683ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Toggle Insurance Company44245DEAdmitted (licensed)Homeowners
Travelers Commercial Insurance Company36137CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Travelers Indemnity Company (The)25658CTAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +7 more
Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)Personal auto, Equipment breakdown, Farm and crop +6 more
Travelers Personal Insurance Company38130CTAdmitted (licensed)Homeowners, Inland marine, General liability
Trisura Insurance Company22225OKAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
Trumbull Insurance Company27120CTAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +4 more
Twin City Fire Insurance Company (The)29459INAdmitted (licensed)Personal auto, Crime (burglary and theft), Earthquake +5 more
Union Insurance Company25844IAAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
Union Mut Ins Co28681OKAdmitted (licensed)Farm and crop, Homeowners, Commercial property (fire and allied lines)
United Security Insurance Company81108ILAdmitted (licensed)Personal auto, Homeowners, Inland marine
United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Unitrin Safeguard Insurance Company40703WIAdmitted (licensed)Personal auto, Homeowners, General liability
USAA Casualty Insurance Company25968TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Flood +5 more
Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Vigilant Insurance Company20397NYAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +7 more
West American Insurance Company44393INAdmitted (licensed)Personal auto, Equipment breakdown, Earthquake +6 more
White Pine Insurance Company11932MIAdmitted (licensed)Farm and crop, Homeowners
Zurich American Insurance Company16535NYAdmitted (licensed)Personal auto, Equipment breakdown, Crime (burglary and theft) +10 more
Turned down?

Last resort for homeowners in Oklahoma

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Oklahoma insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = OID 2024 Annual Report, '2024 LICENSED INSURANCE COMPANIES IN OKLAHOMA' (pp.27-98): every licensed company of every type (P&C, life, health, title, HMO, fraternal, accredited reinsurers, surplus-lines eligible insurers that also hold an OK certificate) with NAIC #, license date (since), domicile and AUTHORIZED LINES as printed (trailing-comma lists; ~1/4 of rows print no lines). The 2024 edition has no company-type column; 'type' comes from the 2023 edition's ST/SCT columns by NAIC match (1533 rows: P&C, Life, Health, Title, optionally '/ Surplus Lines' or '/ Accredited' when the 2023 SCT column said so), else inferred from the lines text and labelled '(inferred from lines)' (5 rows); the rest are '' (no lines printed, not in 2023 list) and are kept. Surplus lines = OID 'Approved Surplus Lines Companies' whitelist as of 09/24/2026: NAIC cocode + name only (no domicile/eligibility date); alien rows carry NAIC AA codes. OID notes the whitelist only lists carriers that applied for inclusion; alien insurers on the NAIC Quarterly Listing are also eligible in OK. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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