Insurance in Owasso, OK
Auto, Home, and Business Insurance in Owasso, Oklahoma
Owasso residents and business owners can compare auto, home, and business insurance through Daemi Group, an independent Oklahoma agency that works with multiple carriers. Owasso sits about six miles north of Tulsa on U.S. Highway 169, and a growing city with a busy highway, new neighborhoods, a downtown business district, and recent severe weather tends to raise questions about every line of coverage.
Highway 169 and Auto Insurance for Owasso Drivers
Highway 169 runs through the middle of Owasso and links the city to Tulsa. For drivers who use it every day, carriers generally look at your age and location, credit history, driving record, the make, model and year of your car, your claims history, and the deductible and limits you choose. Some carriers also offer discounts for low annual mileage, insuring multiple cars on one policy, a clean driving record or paying the premium annually, so those are worth asking about when you compare quotes.
The Redbud District and Owasso’s Small Businesses
Downtown Owasso is the Redbud District, named after a 2016 community vote, with shops and restaurants along Main Street and Redbud Festival Park at 109 N. Main Street. The park hosts Gathering on Main, a monthly event with food trucks, live entertainment, vendors and artists, along with a Saturday farmers market in the warmer months, outdoor movie nights, and seasonal events such as Lights on Owasso.
Business owners who rent space on Main Street, sell at events like these or work as contractors may be asked by a landlord, event organizer or customer for proof of insurance. Daemi Group helps with certificates of insurance and can quote general liability, business owners policies, commercial property, commercial auto, contractors insurance, professional liability, and cyber liability.
Elsewhere in the city, industrial and warehouse space along East 75th Street North and steady residential building keep trades, light industrial companies and contractors active. Most Oklahoma employers are required by law to carry workers’ compensation coverage, with a few exceptions, according to the Oklahoma Workers’ Compensation Commission, and Daemi Group can quote it and help with audits.
Severe Weather and Flooding in Owasso
Owasso has been through severe weather recently. On April 2, 2025, an EF1 tornado moved through the city. In May 2025, the National Weather Service issued a flood warning for Bird Creek near Owasso, and streets in the Elm Creek Park area flooded.
For homeowners, the details that matter most sit in the policy itself. Many Oklahoma policies carry a separate wind and hail deductible, often set as a percentage of the dwelling coverage limit, and it shows up on the declarations page. Flood damage is not covered by a standard homeowners policy, according to the Oklahoma Insurance Department, and flood coverage through the National Flood Insurance Program or a private insurer typically has a 30-day waiting period. The department also says anyone can buy flood insurance, not only people who live in a flood zone.
The Oklahoma Insurance Department’s Strengthen Oklahoma Homes program has offered grants of up to $10,000 toward FORTIFIED roof upgrades, and homes with the designation may qualify for discounts on the wind portion of the premium, depending on the carrier. Eligibility and application windows change, and current details are at oid.ok.gov/okready.
Homes in Owasso’s Older and Newer Neighborhoods
Owasso’s housing ranges from homes near Main Street to large planned communities such as Stone Canyon, a 3,000-acre residential community east of Highway 169 along 76th Street. Carriers price homeowners insurance using the home’s value, its location, the cost to rebuild and the coverage level chosen, along with credit score, claims history and safety features such as smoke detectors and alarm systems, so two Owasso homes of similar size can price differently.
Homeowners can ask about rebuild cost, replacement cost coverage, and additional living expense coverage when they compare options, and whether bundling auto and home with one carrier lowers the combined cost. Renters can ask about renters insurance, which covers a tenant’s belongings and liability.
Coverage Daemi Group can Quote for Owasso
- Auto insurance: liability, collision, comprehensive, and uninsured motorist coverage.
- Homeowners insurance: dwelling, personal property, liability, and additional living expense coverage.
- Flood insurance: separate coverage for flood damage.
- Renters insurance: coverage for a tenant’s belongings and liability.
- Business insurance: general liability, business owners policies, commercial property, commercial auto, workers’ compensation, and other commercial lines.
How to Get a Quote from Owasso
- Request a quote online or call (918) 663-9500.
- Share what you want to insure: vehicles, a home, a rental, or a business.
- Daemi Group compares coverage options from its carrier partners.
- Review the options and ask questions about limits, deductibles, and discounts before you decide.
No Office in Owasso, and No Trip Required
Daemi Group does not have an office in Owasso. The agency has three offices in Tulsa and two in Oklahoma City, and Owasso residents and businesses can request a quote online or by phone. The team also helps after the policy is issued, including renewals, coverage changes, and claims communication.
Compare Insurance Options in Owasso
Daemi Group compares options from multiple carriers for Owasso drivers, homeowners, renters, and business owners. Request a quote online or call (918) 663-9500 to get started.