Homeowners Insurance in Tulsa, OK
When you buy homeowners insurance, you agree to pay regular premiums in exchange for financial protection against incidents involving your home, belongings and financial interests. If something unexpected happens, such as a fire or theft, you can file a claim with the insurer, which may pay out based on your coverage limits and deductible.
What Does Home Insurance Cover? 
Homeowners insurance may cover the structure of your house, personal belongings and temporary living expenses. A standard policy may provide coverage for the following:
- Damage from fire, lightning, wind or hail
- Theft or vandalism
- Personal property losses, including those involving clothes, furniture and electronics
- Temporary housing if your home becomes unlivable due to a covered incident
- Liability for injuries or property damage to others
Not everything is covered. Policies typically exclude flood damage, earthquakes, mold or pest infestations, wear and tear, neglect and high-value items beyond coverage limits. Be sure to review your coverage or ask your agent to discuss your policy’s limits before filing a claim.
What Are Endorsements?
Endorsements are optional add-ons that expand or modify a policy, helping fill the gaps left by standard coverage. Your agent may recommend them to align your policy with your needs. Some common endorsements include:
- Water backup coverage for sump pump or sewer overflows
- Scheduled personal property coverage for expensive items like collectibles or jewelry
- Home business coverage for equipment or liability related to working from home
- Ordinance or law coverage to help with rebuilding costs that meet updated codes
Connect With Us
For guidance on selecting the appropriate coverage, reach out to Best Insurance, Inc. Our agents can review your situation and recommend suitable home insurance policies. Contact us today to get started.