Home Insurance in Oklahoma
Not only does Oklahoma experience snowstorms, hail, and other severe weather conditions, and it has more tornado disasters than any other state. That's why it's essential that Oklahoma City, Oklahoma residents keep their homes protected. TLC Insurance Associates can help you find a home insurance policy that meets all your needs.
Is Home Insurance Required in Oklahoma?
There's no legal mandate to carry home insurance in Oklahoma, but most mortgage companies require it. Since Oklahoma sees a range of natural disasters, including tornadoes, droughts, and hailstorms, you'll also need insurance for your peace of mind. The right policy can provide coverage for property damage and your home's contents.
What Does Home Insurance Cover?
While coverage can vary based on your policy, most types of home insurance have three main types of coverage. These coverage types are:
- Personal Property Coverage: Personal property coverage protects the belongings inside your home. It can cover damage to items as well as losses from theft.
- Dwelling Coverage: Dwelling coverage covers your home's structure, along with damage caused by fire, weather conditions, vandalism, and other factors. However, it doesn't cover your land or your home's contents.
- Personal Liability Coverage: If someone is injured on your property, personal liability coverage will cover damages for which you're legally responsible. It's a form of financial protection.
In addition to these types of coverage, you can add additional, optional coverage to your policy. However, home insurance in Oklahoma does not protect against damage caused by earthquakes, floods, and sewer backups. In addition, home insurance policies do not provide coverage for home-based businesses.
Make Sure Your Oklahoma Home Has the Protection It Needs
You can't control the weather, but you can ensure that you have a home insurance policy that provides coverage for potential damages. TLC Insurance Associates will work with you to find coverage that's right for you. Call us at (405) 802-3486 for a free, no-obligation quote.