Homeowners Insurance
Home insurance can help provide financial protection against damage to your home and its contents, as well as liability for injuries and property damage you or your family members cause to others. It is designed to help safeguard your investment in your home.
What Does Home Insurance Typically Cover?
Home insurance policies in Oklahoma City typically include the following coverage:
- Dwelling coverage may help protect the structure of your home and attached structures (like a garage) from covered perils such as fire, windstorms, hail, lightning and vandalism.
- Personal property coverage may help reimburse you for the cost of repairing or replacing personal belongings (furniture, electronics, clothing, etc.) damaged or stolen due to covered events.
- Liability protection may help cover legal expenses and damages if someone is injured on your property or if you accidentally damage someone else’s property.
- Additional living expenses may help pay for temporary living expenses if your home becomes uninhabitable due to a covered event, such as fire or storm damage.
What Is Not Covered by Home Insurance?
While home insurance provides broad coverage, it typically does not cover the following:
- Flood damage—Separate flood insurance is required to protect against flood-related damages. This is especially relevant in Oklahoma City, where weather patterns can lead to flooding.
- Earthquake damage—Special earthquake insurance is needed to cover damage caused by earthquakes, which can be a risk in certain areas.
- Wear and tear—Home insurance does not cover damages resulting from normal wear and tear or lack of maintenance.
- Certain high-value items—Expensive items such as jewelry, art collections or rare antiques may require additional coverage through a scheduled personal property endorsement.
Contact Us
Contact Action Plus Insurance today to speak with one of our knowledgeable agents and receive a personalized quote.