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As a home owner your needs may differ from everyone else's. Consult your agent to help determine your needs and find the insurance policy that is fits you.

Home Insurance

HouseHome insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Home insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Reasons for Home Insurance
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  1. If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  2. If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  3. If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  4. If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

What to Ask your Agent
Here are few things to discuss with your agent that will influence your decisions.
  1. How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  2. Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  3. What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  4. What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Oklahoma

Established with a Land Run and designated a state in 1907, Oklahoma is just over a hundred years young. A land of diversity from its Native history and breathtaking scenery to its Americana charm and hospitable people, learn why Oklahoma should be on your travel itinerary.

Let Oklahoma take you on an epic getaway filled with Western adventure, diverse outdoor experiences and historic wonders. Offering vibrant American Indian culture, stunning state parks, the nation's longest stretch of colorful Route 66 and a wealth of things to do, Oklahoma is ready to take the guesswork out of your vacation planning. With just a few clicks, you can begin a captivating journey that will fuel your soul.

Magill Agency

We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Call us today at 800-878-7105 for a free Oklahoma home insurance quote.

(Source: TravelOK.com)
Posted 12:27 PM  View Comments

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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