A house is one of the greatest investments you’ll make in your life and it’s critical to protect that investment from day one. Oklahoma Homeowners insurance provides protection in several areas:

  • Dwelling – the physical structure of the house in the event of a covered claim, such as wind, hail, lightning, or fire (flood and earthquake are separate insurance policies). This portion pays to replace the damaged structures of your home.
  • Other structures – typically covers 10% of your dwelling coverage to replace or repair a garage or other detached building on your property.
  • Personal property – is usually included in a standard homeowner’s policy and covers personal items and household contents if they are stolen or destroyed or damaged by a covered claim on your policy. These items typically include furniture, clothing, and more.
  • Loss of Use – in the event of a covered loss or natural disaster, this covers additional living expenses, like hotel and restaurant bills, that are incurred while your home is being repaired.
  • Personal Liability – protects the policyholder and covered family members from lawsuits filed for bodily injury or property damage.

Basic homeowner coverage can be expanded, or endorsed, to include other types of insurance coverage, including earthquake or flood. Additional coverage can be applied to include valuables (jewelry, art, or firearms), and added liability coverage in the form of an umbrella policy.

The agents at Tulsa Family Insurance can customize your homeowner’s policy to meet your specific needs. Some coverage is the same for all policies but a review of your needs will allow us to help you protect all of your blessings.  Call us for a quote today!