PROPERTY INSURANCE

property insurance services in Choctaw, OK

Individual Home & Property Insurance

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property. Homeowners insurance is different from a home warranty and mortgage insurance.

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Standard Homeowners Insurance Policies Usually Include The Following Coverages:

Dwelling Coverage

It provides protection for the structure of your home including the floors, walls, built-in appliances, ceiling and added structures. Up to your policy limit it can also cover a variety of perils such as fire, hail, theft and vandalism.

Contents Coverage

Protects furniture and clothing in your home. Depending on your policy terms can receive a refund for the value of these items.

Personal Liability

Consists of bodily injury damage, and can cover costs if a guest is injured in your home.

Individual Property Insurance

Optional Home insurances to consider:

  • Flood
  • Earthquake
  • Replacement cost
  • Water back up of sewage system
  • Other structures
  • Personal Umbrella liability insurance
  • Medical payments coverage
  • Ordinance or law insurance
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