Personal Insurance

Personal Insurance Coverage for Families and Individuals in Chelsea, OK

At Fraley Insurance Agency Inc., we know that protecting what matters most starts with the right coverage. Whether it is your car, your home, or everything in between, we are here to help. Call us today at (918) 789-2511 and let us find the right policy for you.


We are an independent agency. That means we shop multiple carriers on your behalf. You get better options and better rates than going it alone.

Personal Insurance Services We offer it in Chelsea, OK.


We cover all the key areas of your personal life. From the road to your front door, we have a policy that fits.

Man smiling while driving a car, hands on the wheel in a bright interior

Auto Insurance 

Your car gets you where you need to go. One accident can cost thousands. Auto insurance protects you from those unexpected costs. We shop multiple carriers to find you the right rate. Whether you drive a truck, a sedan, or an SUV, we have coverage options that fit your budget and your lifestyle.

Homeowners Insurance 

Your home is likely your biggest investment. A fire, a storm, or a break-in can cause serious damage. Homeowners insurance helps cover repair costs, replacement of belongings, and liability if someone gets hurt on your property. We help you find a policy that fully protects your home and your peace of mind.

Smiling family taking a selfie in a bright living room with moving boxes and wrapped furniture
Hands exchanging a small house keychain in a real estate setting

Renters Insurance 

You may not own the building, but your belongings still need protection. Renters insurance covers your personal property if it is stolen or damaged. It also covers liability if a guest is injured in your home. Best of all, it is one of the most affordable policies available. We make it easy to get covered fast.

Umbrella Insurance 

Sometimes your standard policy is not enough. Umbrella insurance adds an extra layer of protection on top of your existing coverage. It kicks in when your auto or home policy reaches its limit. It is a smart and affordable way to protect your assets from large claims or lawsuits.

Hand placing a paper umbrella over wooden figures on a tabletop
Palm trees bent by strong wind and rain flood a street beside houses and mist.

Flood & Wind Insurance 

Standard homeowners policies often do not cover flood or wind damage. If you live in an area prone to storms or flooding, a separate policy can save you from a major financial loss. We help you understand what your current policy covers and where the gaps are. Then we find the right solution to fill them.

Motorcycle / RV / Boat Insurance 

Life is better with adventure. Your motorcycle, RV, or boat deserves proper coverage too. These vehicles face unique risks on the road and on the water. We offer specialized coverage for each one. Whether you ride on weekends or live on the road full time, we have a policy that fits the way you live.

People relaxing on a motorboat on a calm blue lake under a clear sky

Frequently Asked Questions


  • What Personal Insurance Policies Does Fraley Insurance Offer?

    We offer auto, homeowners, renters, umbrella, flood and wind, and motorcycle, RV, and boat insurance. We are an independent agency, so we compare multiple carriers to find the best fit for you.

  • Do I Need Renters Insurance if My Landlord Has Coverage?

    Yes. Your landlord's policy covers the building, not your belongings. Renters insurance protects your personal property and covers your liability. It is affordable and easy to set up.

  • What Is the Difference Between Umbrella and Standard Insurance?

    Standard policies have limits. When a claim goes above that limit, umbrella insurance steps in to cover the rest. It adds an extra layer of financial protection at a low cost.

  • Does Homeowners Insurance Cover Flood Damage?

    Most standard homeowners policies do not cover flood damage. You typically need a separate flood insurance policy. We can review your current coverage and help you fill any gaps.

  • How Do I Get a Quote for Personal Insurance?

    Just call us at (918) 789-2511. We will walk you through your options at no cost and no obligation. The process is simple and straightforward.

Get a Free Personal Insurance Quote in Chelsea, OK


You work hard for what you have. Do not leave it unprotected. Fraley Insurance Agency Inc. is ready to help you find personal coverage that fits your life and your budget. One call is all it takes.

Call us today at (918) 789-2511.