If I could give 0 stars, I would, due to FRAUD. Here is a copy of an email I tried to send to Terry Cavnar after not receiving the type of assistance of customer service that is generally appropriate. "This email is to inform you that there have been events leading up to the dissatisfaction in your services and we are seeking a refund of $157.40 initially paid November 21, 2024 to set up homeowners insurance on our new property we are renovating in the country, in Hinton, OK. Chris instructed us to take pictures and upload them to the website with the explanation that we were currently renovating the property. Approximately 2-3 weeks later, we received a letter stating that we did not qualify for a policy and were given a lengthy list of reasons why which reflected the fact that the explanation attached to the photos was completely ignored citing the things noted in the explanation as causes for disqualification along with noting trees that needed removal. The property is out in the country, in Hinton, OK. It's in the woods surrounding Cedar Lake. We have removed some trees but we are not removing all the trees. The denial letter also highlighted piles of debris on the premises, which were the result of our work in renovations. Then, 2 more weeks later, we received a bill for the homeowners insurance that we were denied stating we owed $77.32 for the premium earned less any deposit premium paid while the policy was in force from November 21, 2024 to January 3, 2025. That is null and void because we never received any communication describing the terms of the policy, which was never issued due to disqualification. I called to speak with Chris regarding the situation last Tuesday, January 7, 2025 and Christina answered and said he wasn't available so she took a message to have him call me back. He never called me back. I called your office today to speak with you and Hannah told me that you were out of the office. She asked about the situation and I gave her all the details. She stated that she didn't see any bill due. In pressing her further for a resolution, she stated she would call billing to discuss the bill we received and she would get back with me "later". I told her I needed a resolution sooner than later and gave her a 30-minute deadline to get back to me. When she contacted me again, approximately 30 minutes later, she said that the billing department said that we owed the $77.32 when Hannah initially told me that she didn't see any bill due, and that it was for the policy, which your company denied us coverage for. I told her that it was not acceptable and we would be seeking a refund because we did not get services rendered for the fee we paid and certainly weren't getting good customer service to resolve the problem. I asked Hannah when you would be returning to the office and she responded she didn't know when you would be returning to the office. I asked Hannah to give me your direct email and she hesitated to give it to me. I had to request your email 5 times before she finally gave it to me. We want an immediate refund since our policy is not in effect with your company. Please return payment on the card the initial payment was made. We will be seeking coverage for our homeowners needs elsewhere." We will also be taking our needs to auto insurance elsewhere. Please note that it states I am in San Francisco, CA, but I currently live in OKC, OK as I moved here last Summer 2024. The email I sent to Terry, given by his receptionist, Hannah, was incorrect and the email returned undeliverable. *EDIT AFTER BECKY C. RESPONDED TO REVIEW ON YELP. This is a copy of what I sent "Becky C" in a message after receiving the response above on both Google and Yelp. "We did not have a standing contract as we did not receive any explanation of coverage (what would be covered or excluded) and nothing was signed. It was all verbal and Chris assured me that posting pictures with an explanation of renovations being done wouldn't be a problem. But that is beside the point that when I asked to speak with Terry directly, Hannah avoided giving me his email address and after asking 5 times, she reluctantly gave me an email address which wasn't good as it bounced back as "undeliverable". This is deceptive business practice." I have yet to directly communicate with Terry Cavnar. read more

My insurance company just dropped homeowners insurance in Oklahoma. Had to scramble to find insurance for house and cars. Working with Chris has been a breeze. He got us the best deal of any other company. We ran into a glitch getting a discount for our roof and Chris went to bat for us. So impressed with the service he has provided. read more

Staff is always friendly and they always help me understand my policy any time I have a question. I recommend them to everyone!

I've been a State Farm customer with the same agent for 40+ years. When he retired last year I started the search for another agent/office with same level of service and customer care. I knew I found it after working with Michele. Great customer care! I was looking for the service after the sale and she delivered! Thank you Michele!! read more

i am an older Customer and Terry's staff give me a call if my payment is getting close. I will stay with them for all my needs.

I have been a client of this office fro a few years, then diaster. We had a car accident one month ago. The office never called me to check on my claim and when I call them the refer me to the claims department with no help. Please consider another agent. read more

The agent I spoke with was rude and condescending. I believe he said his name was Brandon. I was nothing but calm and polite, yet he was clearly irritated with me for letting my policy lapse. He patronizingly kept calling me "buddy" and after talking with him for a minute I said that based on what he was telling me it made the most sense for me to switch providers. He said something like, yeah, maybe you ought to do that. At that point I asked if there was a manager I could speak with to which he replied, "I'm the boss around here buddy". What a joke! I don't have a problem with State Farm or even the other people at this office who I'd spoken to before, but if this guy is running the office then stay away! I called State Farm to try to switch agents and they would not let me! They basically said it was so State Farm agents couldn't swipe each other's customers. So even though I have an agent right by my house and my previous agent mistreated me, I was told I'd have to stay with that agent. Needless to say I'm no longer a State Farm customer. read more

This is the best place to get all of your insurance needs! I have been with them for over 30 years and their employees have also been there just as long! They will take care of you, explain things and do everything they can to get you the best insurance and any help you need. They treat you like family. While I listen to others complain about their insurance costs going up, etc., I just sit back and tell them they should have gone with Terry Cavnar!!! read more

I have been with State Farm Insurance for over twenty-five years. Of the many years I can't remember ever being upset with them. I have called many times to see if they could help me with an issue and they "ALWAYS" treat me in a very professional manner. It nice to know they always have your back and help in anyway they can. I always say it's the agent that matters and I have the best. Charles Stephens. read more

I had an accident on Eastern and 4th St during rush hour. I was really worried about the process and getting my car back to normal. I've been paying this office for years but never used my insurance, except for a tornado. Juan and Brandon were rock stars! They guided me though the process. Although the claims process wasn't fun, this office made it easier. They were so professional!! read more