You’ve put a lot of time and money into making your house a home. It is a safe haven for your family and represents one of your largest investments. Naturally, you want an affordable insurance policy that protects this valuable asset.
Don’t settle for a generic ‘one size fits all’ insurance policy. At All American Insurance, we specialize in finding the perfect homeowners policy for you and your family. We partner with 35 different insurance carriers, which allows us to customize an insurance policy to meet your specific needs. Our homeowner’s coverage includes: standard homeowners, vacants, rental dwellings, condo, renters, and much more.
All American Insurance offers many different homeowners insurance options depending on your needs. A traditional homeowners policy will include the following coverage:
This coverage protects the walls, roof, and other structural elements of your home from damage due to fire, hail, wind, or other disasters specified in your policy. Many policies also protect other structures on your property such as a detached garage or tool shed.
Damage due to earthquakes and floods is not always covered in a traditional homeowners policy, so if you feel that you need this protection, talk to your insurance agent about purchasing more coverage.
This coverage protects your furniture, clothing, electronics, appliances and other personal belongings from loss or damage due to theft, fires, or other disasters.
To determine how much coverage you need, do an inventory of your home. You may have accumulated more than you realize—for example, consider the cost of replacing your entire wardrobe or your entire movie collection. Many policies have a set limit of coverage for expensive items such as furs and jewelry, so talk to your agent if you feel you need additional protection.
Liability insurance protects you from lawsuits. If someone is injured in your home, or if their property is damaged, this insurance will cover court costs and the amount of damage you are deemed liable for. This insurance also usually covers no-fault medical coverage if a guest is injured in your home but doesn’t file a lawsuit.
If an unexpected disaster leaves your home uninhabitable, this coverage will help you pay for hotel bills and meals at restaurants while you wait for your home to be repaired.
For help finding the perfect homeowners insurance policy, call All American Insurance today at 918-832-8823 or fill out the form below. We are ready and willing to help our neighbors in the Tulsa area find affordable insurance coverage and peace of mind.
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