Category: Home Insurance

When the excitement of finding your new home wears off, you may well realize all the things you don’t know about homeownership. One of them may be your home insurance. In Oklahoma City, OK, our team at S & S Insurance Services Inc. offers personalized service – we can help answer any questions that you may have. 

Home insurance has exclusions

Home insurance covers lots of things, but it doesn’t cover everything. Like most insurance, it has exclusions. Some of the most common are:

• Flooding from surface water
• Earthquakes, mud or landslides, and sinkholes
• Sewer backup
• Wear and tear
• Owner neglect
• Termites
• Mold 
• Rodents

Deductibles apply to every claim

Home insurance is not like health insurance where you have a yearly deductible. You will pay the deductible that you choose on every claim that you have. Choose a deductible that you are comfortable paying. 

You have choices when choosing content coverage

Basically, there are two types of content coverage. You can choose from current value, which is what your items are worth today, taking depreciation into account, or replacement cost, which is what it costs today to replace an item. 

Some content has limits on coverage

Some of the things that you own are not unlimited in coverage. Jewelry, art, cash, coins, and antiques all have limits. You need to get an appraisal and a rider to get additional coverage that you may need. 

Your property is covered when you travel

If something is lost or stolen when you are away from home, it is covered by your home insurance even if it is in your car. 

Schedule A Consultation Today

If you are a resident of Oklahoma City, OK, or the surrounding area, contact our office at S & S Insurance Services Inc. with your questions and any home insurance needs you have. 

Those living in the Oklahoma City, OK area will know that owning a home can be a good idea. When you shop for a home and purchase one, you also need to get the right insurance. A proper home insurance plan offers various advantages and forms of coverage, making it a good option for any property owner here. 

Cover Your Assets

A great reason for anyone in the state to have a home insurance plan is to ensure their assets are covered. A property owner will have many assets, including their dwelling and a range of personal belongings. Suppose you are a victim of fire, theft, vandalism, or other scenarios that result in a loss. In that case, you will benefit greatly by having home insurance, which will support repairing or replacing your dwelling or other assets. 

Comply with Obligations

Having home insurance can also ensure that you are able to comply with obligations. Many Arvada property owners are required to carry insurance. You likely have specific insurance requirements if you have a mortgage or live in a homeowners association. Not having this coverage can have repercussions; retaining the right coverage will keep you in good standing. 

We Are Here To Help

Oklahoma City, OK can be an excellent place to purchase a home. While there are benefits to owning a home in this area, you need the proper insurance, and our team at S & S Insurance Services Inc. can help. When you call our professionals at S & S Insurance Services Inc., you will get helpful, customized support that will ensure you select and build a plan that provides the proper support and coverage. 

Insuring your home in Oklahoma City, OK is essential. We can provide you with a home insurance policy at S & S Insurance Services Inc. 

There are numerous steps you need to go through to find the best insurance solution as a homeowner.

Here are four steps to remember when you’re in the process of buying home insurance:

Think about your deductible amount

The deductible amount on your policy is important. Be sure to choose a deductible amount that you’ll easily be able to pay when you need to file a claim.

Insurance providers generally give policyholders numerous deductible amount options for home insurance policies. Make sure you’re aware of the possibilities and choose deductible amounts that are ideal for your situation. 

Know the coverage amounts you want

You need to get adequate coverage to protect your assets. Being a homeowner can involve some financial risks, but buying home insurance can protect your assets. 

For complete financial protection, invest in enough liability coverage to cover the total value of all of your assets. 

Shop for quotes

Don’t buy home insurance before you’ve gotten quotes from a few providers. Shopping around and comparing offers is the best way to make sure that you’re getting a competitively-priced home insurance policy that meets your needs. 

Choose a policy

Once you get a few quotes, look them over in detail. Compare not only the premium costs but also the amount of coverage you’re being offered in each individual policy. 

Schedule A Consultation Today

If you are looking for a quote on an insurance policy for your home in Oklahoma City, OK we’re here to help. Get in touch with us at S & S Insurance Services Inc. for a home insurance policy quote. 

Homeowners need to be well informed so that they understand their home insurance needs. S & S Insurance Services Inc. can provide consumers with valuable information about home insurance in Oklahoma City, OK.

The following are four common misconceptions you should know about home insurance. 

Your home insurance policy will cover you for termite damage.

Termite damage can be costly, but it’s unfortunately not typically covered under a standard home insurance policy. You need to read the fine print on your policy before assuming that it will cover you for termite damage. 

Your home insurance will cover the full value of your destroyed belongings within your home.

Home insurance policies will only cover your belongings up to a certain amount. If you have a lot of especially valuable items in your home, your home insurance probably won’t cover you for their full value. 

Your home insurance will cover the full value of any stolen personal property.

Your home insurance policy will also be limited in terms of how much it compensates you for stolen items. Review your policy maximums to make sure that you can be fully covered for stolen property in your home. 

You are legally required to carry home insurance.

While it’s always best to have home insurance, it is not usually legally required. You should be required to carry home insurance if you have a mortgage on your property. However, this is a requirement of your lender and not of the state or federal government. 

Contact Us Today

Get in touch with us at S & S Insurance Services Inc. if you have questions about home insurance. We can provide you with a home insurance quote for your property in Oklahoma City, OK. 

Owning a home comes with a certain amount of risk. The financial investments many people make in their home is the largest they will ever make. Even if you take the best possible care of your home, you can’t protect it from all the hazards that are out there. At S & S Insurance Services Inc. in Oklahoma City, OK, we are an independent insurance agency that allows us to provide our customers with more choices. 

Why do you need a home inventory?

When your home is damaged by a covered hazard, you will contact your carrier to file a claim. When what was lost in the damage is your content, you will need to provide the insurance company with a list of what they need to pay you for. After you have been through home damage, especially if it is catastrophic, you may find it very difficult to be able to sit down and try to remember all the things that you previously had in your home. 

How will you prove that you had a brand-new computer or a seven-year-old sofa? If you have a home inventory already prepared and stored in a safe location, it can provide all the information you need to file your claim. A good inventory will include all the items you own, organized by room and supplemented with photos, receipts, and serial numbers. The more information you have included in your inventory, the easier it will be to get insurance money from the carrier to replace these items. 

Making a home inventory takes time and is a lot of work, but the amount of stress and time that it can save if you ever need to use it, more than makes up for the initial work you need to do. 

Give Us A Call

Contact S & S Insurance Services Inc. in Oklahoma City, OK to discuss your home insurance coverage. 

S & S Insurance Services Inc. is proud to help residents living in the greater Oklahoma City, OK area with all of their insurance needs. If you have questions about homeowners insurance, we are here for you! Give us a call today and let’s discuss all of your insurance needs!

What you need to know before contractors get to work in your house

Protecting your home from damage and protecting your family from liability becomes even more important when you are about to start a major home renovation project. It’s important to make sure that you have the coverage you need before any work begins in your home.

If it’s been a while since you have carefully reviewed your policy, now is a perfect time to take it out and give it a close look. You will want to ensure that you have the liability protection you need as well as confirm that your current policy level will be sufficient to cover the increased value of your house once the project is complete.

Sometimes, it can be confusing and difficult to ascertain that your policy has the protection you need. This is when it’s a great time to turn to a local agent! They can answer any questions that you may have and address any concerns that you have about coverage. And, you will know that everything is in line before starting.  

We are here to answer all of your insurance questions!

Oklahoma City, OK area residents can count on the team at S & S Insurance Services Inc. for all of their insurance needs. If you are getting ready to start a major home improvement project, let’s make sure that you have the protection you need! Call or stop by today.