{"id":752196,"date":"2025-10-27T06:00:00","date_gmt":"2025-10-27T11:00:00","guid":{"rendered":"https:\/\/oklahomawatch.org\/?p=752196"},"modified":"2025-11-19T20:37:38","modified_gmt":"2025-11-20T02:37:38","slug":"lawmakers-get-earful-as-oklahoma-home-insurance-rates-skyrocket","status":"publish","type":"post","link":"https:\/\/oklahomawatch.org\/2025\/10\/27\/lawmakers-get-earful-as-oklahoma-home-insurance-rates-skyrocket\/","title":{"rendered":"Lawmakers Get Earful As Oklahoma Home Insurance Rates Skyrocket"},"content":{"rendered":"<div class=\"wp-block-custom-everlit-iframe-embed\"><iframe loading=\"lazy\" title=\"Everlit Audio Player\" src=\"https:\/\/everlit.audio\/embeds\/artl_6a84OUEkXBa?client=wp&amp;client_version=2.6.0\" width=\"100%\" height=\"80px\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n<p>Oklahoma\u2019s reputation as a low-cost-of-living state is taking a hit after recent hikes to home insurance premiums, with lawmakers grappling for solutions after getting an earful from constituents.\u00a0\u00a0<\/p>\n\n\n\n<p>Additional consumer protections are likely to be introduced for the 2026 legislative session after interim studies in the House and Senate in the past month. At least one GOP gubernatorial candidate, now-Attorney General Gentner Drummond, has <a href=\"https:\/\/oklahomawatch.org\/2025\/10\/13\/drummond-takes-mulready-to-task-over-homeowners-rates\/\">expressed his concerns<\/a> with rising homeowners insurance rates.\u00a0<\/p>\n\n\n\n<p>More severe weather events, inflation, rising property values and higher construction material costs have combined to push Oklahoma homeowner insurance rates to among the highest in the nation. But critics also point to Oklahoma\u2019s hands-off regulatory environment as a factor.\u00a0<\/p>\n\n\n\n<p>Some, including Oklahoma Insurance Commissioner Glen Mulready, <a href=\"https:\/\/www.wsj.com\/finance\/home-insurance-costs-oklahoma-hail-88f93dc5?st=9kBhC7&amp;reflink=desktopwebshare_permalink\">earlier said<\/a> Oklahoma\u2019s frequent hailstorms contributed to higher rates. But an Oklahoma Watch <a href=\"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\">investigation<\/a> in May found hail prevalence was below that in nearby states with lower homeowners insurance rates.\u00a0\u00a0<\/p>\n\n\n\n<p>Mulready appeared before lawmakers on Sept. 30 and Oct. 7. He said his goal as a regulator is to make sure Oklahoma\u2019s insurance market remains competitive. Mulready pushed back on claims that the top four insurance companies controlling more than 60% of the homeowners market meant it wasn\u2019t competitive.\u00a0<\/p>\n\n\n\n<p>Rep. Andy Fugate, D-Del City, said insurance isn\u2019t comparable to other consumer products such as clothes or groceries because homeowners are essentially buying a promise. He said consumers deserve to know how well insurance companies keep their promises.\u00a0<\/p>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles is-style-borders wpnbha show-image image-alignright ts-4 is-1 is-landscape is-style-borders\" style=\"\">\n\t\t<div data-posts data-current-post-id=\"746060\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>the latest<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754196\" class=\"tag-attorney-general tag-cdc tag-covid-19 tag-george-monks tag-measles tag-oklahoma-news tag-oklahoma-state-department-of-health tag-oklahoma-state-medical-association tag-whooping-cough category-health category-publichealth type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Oklahoma Health Department Refuses to Share County-Level Measles Data\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (min-width: 782px) 600px, (min-width: 600px) 42.5vw, 90vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\">Oklahoma Health Department Refuses to Share County-Level Measles Data<\/a><\/h3>\t\t\t\t\t\t\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\">Paul Monies<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t<time class=\"entry-date published\" datetime=\"2026-01-05T06:01:00-06:00\">January 5, 2026<\/time><time class=\"updated\" datetime=\"2026-01-05T11:05:42-06:00\">January 5, 2026<\/time>\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t\n\n\n<p>\u201cWe have families being priced out of the protection they need to safeguard, for what is for most of them, their primary nest egg,\u201d Fugate said at the Sept. 30 hearing. \u201cWhat\u2019s happening today is a challenge. It\u2019s bad for Oklahoma families. It\u2019s bad for Realtors. It\u2019s bad for insurance agents. It\u2019s bad for the insurance industry as a whole because Oklahomans need affordable insurance.\u201d\u00a0<\/p>\n\n\n\n<p>Fugate said the cost of homeowners insurance in Oklahoma has reached an unsustainable level.\u00a0<\/p>\n\n\n\n<p>\u201cOklahoma\u2019s exposure to severe weather does not excuse unchecked premium hikes, nor does it absolve insurers of the responsibility to operate transparently and fairly,\u201d Fugate said. \u201cIt\u2019s contingent on us to act decisively to restore balance and ensure affordability and to protect the right of every Oklahoman to feel safe in their home and in the products they buy to protect their home.\u201d\u00a0<\/p>\n\n\n\n<p>In the past two decades, homeowners insurance costs <a href=\"https:\/\/www.insurance-research.org\/property-insurance\/homeowners-insurance-affordability-countrywide-trends-and-state-comparisons-0\">outpaced<\/a> median income growth, meaning it\u2019s been harder for consumers to absorb higher rates, according to the Insurance Research Council, an industry group. Oklahoma ranked fourth, behind Mississippi, Florida and Mississippi, in the highest proportion of insurance expenditures to median income.\u00a0<\/p>\n\n\n\n<p>Another measure, by <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/#home-insurance-rates-by-state\">Bankrate<\/a>, showed Oklahoma trailing just Nebraska, Louisiana and Florida in 2025 for the most expensive average cost of homeowners insurance for a $300,000 house. Oklahoma\u2019s average premiums were $4,613. Nebraska was the highest at $6,366, while it was just $816 in Vermont.\u00a0\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cWe clearly have an affordability issue.\u201d\u00a0<\/p><cite>Glen Mulready<\/cite><\/blockquote><\/figure>\n\n\n\n<p>Rebekah Williams, a Sulphur resident who advocates for older Oklahomans, said she recently got a renewal notice from her home insurance company that boosted her monthly premium to almost $500, up from $350. Her wind and hail deductible went to almost $10,000, up from $900. Williams said she shares homeowners\u2019 frustrations when claims are denied.\u00a0<\/p>\n\n\n\n<p>\u201cI don\u2019t think it\u2019s fair that whenever you pay your insurance and then have to have another battle to make sure they get what\u2019s coming to you,\u201d Williams said at the Oct. 7 Senate hearing. \u201cIt\u2019s not right. If you have some type of major catastrophe like a tornado or flood, then you have an additional fight with an insurance company.\u201d\u00a0<\/p>\n\n\n\n<p><strong>Use-and-File System<\/strong><\/p>\n\n\n\n<p>The Oklahoma insurance market is a use-and-file system, which means insurers can begin charging new rates with little regulatory scrutiny. Neighboring Kansas and Texas have file-and-use systems, which allows for a little extra scrutiny, but not much, by regulators. Another 15 states, from New York and California to Alabama and Louisiana, require prior approval, according to the National Association of Insurance Commissioners. Wyoming is the lone state that has an open-filing system where rates are presumed fair without regulatory intervention.\u00a0<\/p>\n\n\n\n<p>Mulready said much of the Insurance Department\u2019s work ensures rates are non-discriminatory and the companies are financially sound to pay claims. He said it would be up to lawmakers if they want to change the regulatory regime for insurers in Oklahoma.\u00a0<\/p>\n\n\n\n<p>Mulready said more than 100 companies are licensed to write homeowners premiums in Oklahoma. Among those about 40 to 50 are active in the market. State regulators only look to see if rates are adequate, which means they aren\u2019t too low to undercut the rest of the market and risk insolvency. If a market is deemed competitive, rates can\u2019t be excessive, Mulready said.\u00a0<\/p>\n\n\n\n<p>\u201cIt doesn\u2019t do anyone any good to have a really low premium and when a storm blows through, that company is out of business,\u201d Mulready said at the Oct. 7 Senate hearing.\u00a0<\/p>\n\n\n\n<p>Mulready said the Insurance Department uses a federal Department of Justice metric called the <a href=\"https:\/\/www.justice.gov\/atr\/herfindahl-hirschman-index\">Herfindahl-Hirschman Index<\/a> to measure the competitiveness of Oklahoma\u2019s homeowners insurance market. Since 2020, scores have averaged 1126, which is well below the threshold of even a moderately concentrated market scored at 1,500 and higher. A score of 2,500 or higher is non-competitive.\u00a0\u00a0\u00a0<\/p>\n\n\n\n<p>Unlike more than 30 other states, Oklahoma does not have what\u2019s called a <a href=\"https:\/\/www.iii.org\/insurance-provided-by-fair-plans-by-state-fiscal-year-2024-1\">fair plan<\/a>, an insurer of last resort if a homeowner can\u2019t obtain insurance in the private market.\u00a0\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cThey are confused by unhelpful statements from Flo, Jake and that unhelpful lizard that runs around on TV because they don\u2019t explain really anything about the product.\u201d<\/p><cite>Bob Hunter<\/cite><\/blockquote><\/figure>\n\n\n\n<p>\u201cWe don\u2019t have an availability issue,\u201d Mulready said. \u201cWe have insurance companies that will write insurance in every segment of our state. We clearly have an affordability issue.\u201d\u00a0<\/p>\n\n\n\n<p>Oklahoma does have a <a href=\"https:\/\/mapsprogram.com\/\">market-assistance program<\/a>, which is administered by independent insurance agents. The application program helps homeowners get coverage, but it doesn\u2019t guarantee a policy will be written.\u00a0<\/p>\n\n\n\n<p>\u201cThe company is allowed to pass on the policy, but they are only allowed to pass on one out of every four they receive,\u201d Mulready said. \u201cIt has worked very well for us here in Oklahoma. If you\u2019re hearing people can\u2019t get coverage, they are choosing not to, or they are choosing not to because they can\u2019t afford the premium.\u201d\u00a0<\/p>\n\n\n\n<p>Mulready touted the state\u2019s mitigation grants for homeowners, which lawmakers approved in 2024. The program, <a href=\"https:\/\/www.oid.ok.gov\/okready\/\">Strengthen Oklahoma Homes<\/a>, started this year and offers grants to homeowners to upgrade their roofs to standards set by the <a href=\"https:\/\/ibhs.org\/\">Insurance Institute for Business and Home Safety<\/a>.\u00a0<\/p>\n\n\n\n<p>So far, two Republicans have announced plans to run for insurance commissioner in 2026 to replace Mulready, who is term-limited. Former <a href=\"https:\/\/martyquinnforok.com\/about\/\">Sen. Marty Quinn<\/a>, who owned an insurance company in Claremore until 2021, and Farmers Insurance lobbyist <a href=\"https:\/\/www.chrismeridethforok.com\/\">Chris Meredeth<\/a> have organized campaign accounts.\u00a0<\/p>\n\n\n\n<p><strong>A Dip in the Pool?\u00a0<\/strong><\/p>\n\n\n\n<p>Mulready said the Insurance Department is working on proposed legislation to present to lawmakers for the session that starts in February. Among the options are a longer notification period, to 60 days from 30 days, if an insurer decides not to renew a homeowners policy. Others include a longer look-back period for consumers to file a claim after a storm event that caused damage.\u00a0<\/p>\n\n\n\n<p>Other states have tried more drastic options when faced with market failures. Texas insurers stopped writing wind coverage policies in some coastal areas, so the state stepped in to form a <a href=\"https:\/\/www.twia.org\/\">wind pool<\/a> for customers. California, meanwhile, <a href=\"https:\/\/www.ppic.org\/blog\/a-deeper-look-at-californias-homeowner-insurance-challenges\/\">capped annual premium increases<\/a>, although that\u2019s now led to some insurers exiting or pulling back from the state\u2019s homeowners market in the wake of devastating wildfires.\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"399\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213.jpg?resize=600%2C399&amp;ssl=1\" alt=\"\" class=\"wp-image-752200\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=600%2C399&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=768%2C511&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=1536%2C1021&amp;ssl=1 1536w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=2048%2C1362&amp;ssl=1 2048w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=1200%2C798&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=1024%2C681&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=2000%2C1330&amp;ssl=1 2000w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=780%2C519&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=400%2C266&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-scaled.jpg?resize=706%2C469&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3213-600x399.jpg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\"><figcaption class=\"wp-element-caption\">Insurance Commissioner Glen Mulready discusses homeowner rates during a state Senate interim study on Oct. 7, 2025. (Ted Streuli\/Oklahoma Watch)<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Industry-provided reports for Oklahoma show companies that offer homeowners premiums have struggled with profitability in the last several years. The metric, called a combined loss ratio, measures how much insurance companies are taking in premiums versus how much they pay in claims and expenses like marketing, claims processing and agent commissions. Notably, loss ratios don\u2019t include gains from investment income, a key part of insurance profits.\u00a0<\/p>\n\n\n\n<p>\u201cWe know that consumers don\u2019t like rate increases and do pressure policymakers to suppress or delay those higher prices,\u201d Karen Collins with the <a href=\"https:\/\/www.apci.org\/\">American Property Casualty Insurance Association<\/a> said in the Sept. 30 House hearing. \u201cBut what we\u2019ve seen is that when government regulates directly or indirectly price controls on markets with escalating losses, it does turn those affordability challenges into an availability crisis.\u201d\u00a0<\/p>\n\n\n\n<p>Sen. Julia Kirt, D-Oklahoma City, said she\u2019s increasingly concerned about insurers using credit scores as a factor in homeowners insurance rates. She invited Bob Hunter, a former Texas insurance commissioner and actuary who now works with the <a href=\"https:\/\/consumerfed.org\/reports\/penalized\/\">Consumer Federation of America<\/a>, to discuss consumer issues at the Oct. 7 Senate interim study.\u00a0<\/p>\n\n\n\n<p>Hunter said the theory of <a href=\"https:\/\/www.jstor.org\/stable\/1807048\">workable competition<\/a> is another way to measure competitiveness in a state\u2019s insurance market. Under the banner of trade secrets, insurance companies don\u2019t typically share claims denial rates or claim resolution times.\u00a0<\/p>\n\n\n\n<p>\u201cInsurance buyers are not willing buyers; they have to buy home insurance if they have a mortgage,\u201d Hunter said.\u00a0\u00a0<\/p>\n\n\n\n<p>Hunter said most consumers have little understanding of what goes into homeowners or auto premiums. That\u2019s despite a barrage of insurance mascots on TV commercials.\u00a0<\/p>\n\n\n\n<p>\u201cThey are confused by unhelpful statements from Flo, Jake and that unhelpful lizard that runs around on TV because they don\u2019t explain really anything about the product,\u201d Hunter said. \u201cThe big problem for insurance to be competitive is market knowledge. Buyers and sellers should have enough information to make rational choices. Competition in insurance fails miserably in this area. People face the insurance market with a strange combination of feelings: boredom and fear.\u201d<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"645\" height=\"645\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=645%2C645&amp;ssl=1\" alt=\"\" class=\"wp-image-700535\" style=\"width:161px;height:161px\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?w=645&amp;ssl=1 645w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=336%2C336&amp;ssl=1 336w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=140%2C140&amp;ssl=1 140w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/Paul-Monies.jpg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 645px) 100vw, 645px\"><\/figure>\n<\/div>\n\n\n<p><em>Paul Monies has been a reporter with Oklahoma Watch since 2017 and covers state agencies and public health. Contact him at (571) 319-3289 or <\/em><a href=\"mailto:pmonies@oklahomawatch.org\"><em>pmonies@oklahomawatch.org<\/em><\/a><em>.<\/em> <em>Follow him on Twitter @pmonies.\u00a0<\/em><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles  wpnbha is-grid columns-3 colgap-1 show-image image-aligntop ts-3 is-3 is-landscape \" style=\"\">\n\t\t<div data-posts data-current-post-id=\"749278\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>MORE FROM PAUL MONIES <\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754081\" class=\"tag-charles-mccall tag-elections tag-gop tag-gov-kevin-stitt tag-jeff-starling tag-lobbying tag-mike-mazzei tag-oklahoma-gov-kevin-stitt tag-oklahoma-news tag-politics tag-rep-jim-shaw tag-turnpikes category-elections category-politics type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a 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-->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Oklahoma\u2019s soaring homeowners insurance rates are straining families and drawing scrutiny from lawmakers, who are likely to consider additional consumer protection bills in 2026. 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