Umbrella Insurance Agencies in Stillwater, OK

Stillwater at a glance

• 4umbrella insurance agencies listed
• 62.9%of households rentRenters insurance
• $237,200median home valueHome insurance
• 1984median year homes were builtRebuild cost calculator
• 6.8%of households have no carAuto insurance
• 4.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Payne County

FEMA rates the overall natural hazard risk in Payne County, where most Stillwater agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

• Ice stormVery High
• HailRelatively High

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Stillwater
• TornadoRelatively High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Stillwater

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Oklahoma

Oklahoma requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in StillwaterHow much liability cover do you need?

Source: oid.ok.gov. Checked 2026-10-24.

Where Stillwater agencies are

Stillwater agencies we list sit in 2 ZIP codes, mostly in Payne County.

• 740743 agencies
• 740751 agency