
Homeowner Insurance
Your home is the center of your daily life and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this fact. Hometown Insurance can help you find the Tulsa home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Depending on where you live—a house, apartment, or condominium—the right home insurance policy can provide you peace of mind and the money you need to repair or replace your home and belongings.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover if someone is injured and wins a legal judgment against you while on your property.
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it's a comprehensive policy covering losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property or a policy covering only specified losses.
Whether you're a home or condo owner, a renter, or a landlord, we will work with you to find a Tulsa home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of your specific options. How much you'll pay for your policy depends on:
• Options you select: Homeowner insurance options are often priced individually, so the price you pay will depend on what coverages you buy.
• How much you want to cover: Higher deductibles usually lower your premium by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
• Where you set your limits: You may choose to set higher limits than the recommended amount if they suit your situation and needs.
Are you worried you aren't completely covered? Consider an umbrella insurance policythat extends your coverage.
The right coverage. The right price. The right value
The amount you pay for a homeowner insurance depends on many factors. Consider your personal housing situation and the assets you want to protect.
• Protection for your home: Property or dwelling coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
• Protection for you and other people: Personal liability coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider how much money you make and your assets. Your personal liability coverage should be high enough to protect your assets if you are sued.
• Medical coverage: This covers medical expenses for guests injured on your property and sometimes covers people injured off your property. It does not cover health care costs for you or other members of your household.
• Additional living expenses: If you can't, you can't be of a covered loss; your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
• Protection for your belongings: Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal property Insurance helps replace these items if they are lost, stolen, or destroyed due to a covered loss.
• Scheduled personal property coverage: If you have particular possessions such as jewelry, art, antiques, or collectibles, you should talk to your agent about this additional coverage, which provides broader coverage for specific items.
• If you rent out your home: Landlords may buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protect the things that matter to you
Make an inventory of your home and personal belongings. Make a list and take photos or videos—using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Remember that your policy doesn't damage caused by poor or deferred maintenance.