Click to Call
S & S Insurance Services, Inc.

210 SE 89th Street
Oklahoma City, OK 73149

Get Directions

S & S Insurance Services, Inc. Blog

What every new homeowner needs to know about 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. 


Partner Carriers

  • Allstate
  • American Modern
  • American Specialty
  • AmWins
  • Argenia
  • Attune
  • BackNine Insurance
  • Bristol West
  • CRC
  • Encompass
  • Foremost
  • Graham-Rogers
  • Hagerty
  • IPFS
  • JimCor
  • MDOW
  • Mercury
  • MetLife
  • MJ Kelly
  • National Real Estate Insurance Group
  • OGA
  • Orchid
  • Palomar
  • Progressive
  • Protective Life
  • Openly Insurance
  • RLI
  • Safeco
  • SES Insurance
  • Sun Life
  • The Hartford
  • Travelers
  • Union Mutual