FAQs

At S & H Insurance, LLC we help individuals, families, and business owners across Alva, Cherokee, and throughout Oklahoma find coverage that actually fits their situation. Whether it’s your home, your vehicle, your farm, or your business, we walk you through your options and compare multiple carriers so you’re not guessing. If you ever have a question, the easiest way to get an answer is to call or text us—we’ll keep it simple.

  • Why choose S&H Insurance?

    We’re a local, independent insurance agency based in Alva with an office in Cherokee. That means we’re not tied to one company—we compare multiple carriers to find options that fit you.


    We also stay in touch. You’re not just getting a policy and never hearing from us again. If something changes, you can call or text and talk to someone who knows your situation.

  • Are you an independent insurance agency?

    Yes. S&H Insurance is an independent agency, which means we work with multiple insurance companies—not just one.


    That allows us to compare coverage and pricing instead of forcing a one-size-fits-all policy.

  • What are your business hours?

    Our office is open Monday through Friday, 9:00 AM to 5:00 PM. We’re closed on weekends and public holidays, but you can always leave a message or send an email—we’ll follow up promptly on the next business day. For more questions visit our contact us page. 

  • How do I request a quote?

     It’s simple. You can request a quote directly through our Contact page, or visit our Home Insurance, Auto Insurance, or Business Insurance pages to start your request. We’ll follow up personally to review your needs and present tailored options. Contact us now or request a quote today. 


  • What payment methods do you accept?

    Payment options depend on the insurance company you choose. Most carriers accept online payments, bank drafts, and credit or debit cards.


    We’ll walk you through your options once we help you select a policy.

  • What does auto insurance cover?

    Auto policies typically include liability, collision, comprehensive, and more—depending on what fits your situation. We’ll walk you through it. Visit our Auto Insurance page to explore coverage options.

  • What types of business insurance do you offer?

    We work with a wide range of businesses across Oklahoma, including contractors, farms, retail shops, and more.


    Coverage options include:



    If you’re not sure what you need, we’ll walk through it with you. Contact Us Today!

  • Can I insure my home-based business?

    Yes. Many home-based businesses need additional coverage beyond a standard home policy.


    We can help you add the right protection so you’re covered for business equipment, liability, and income risks.

  • What is umbrella insurance?

    Umbrella insurance adds extra liability coverage on top of your home and auto policies.


    It helps protect you if a claim goes beyond your standard limits—like a major accident or lawsuit.

  • Who needs umbrella insurance?

    If you own a home, have savings, or want extra protection beyond basic policies, it’s worth considering.


    It’s typically more affordable than people expect, and it can cover large claims that standard policies don’t fully handle.

  • How do I know what type of insurance I need?

    That’s what we’re here for. We’ll ask a few questions, look at your situation, and explain your options in plain terms.


    No pressure—just clear answers so you can make a decision that makes sense.

  • How does renters insurance work?

    Renters insurance covers your personal belongings and liability if something happens in your rental.


    It can help pay for:


    Theft or damage to your belongings

    Temporary living expenses after a loss

    Injuries or damage you’re responsible for


    It’s usually low-cost and easy to set up.