Homeowners Insurance Information
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
What is mobile home insurance?
As with any structure called home, mobile homes can and should be insured to protect your finances from various risks. Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit. The right mobile home insurance policy offers protection for your home, possessions and finances.
What are the benefits of mobile home insurance?
Like homeowners insurance, mobile home insurance offers a variety of coverages. Some of the most common coverages include the following:
Dwelling: Covers the physical structure of your mobile home from a variety of disasters such as fire and theft.
Contents: Covers your furniture, kitchen appliances, clothing, electronics and other belongings. You may need extended coverage for valuables like jewelry and antiques.
Liability: Covers you if an accident on your property causes injury or property damage. This includes medical and legal expenses.
Trip collision: Covers your mobile home while it is in transit.
Protecting your mobile home is as simple as calling our agency for a free quote. We can help find a policy with the right coverages for your needs, as well as answer any questions you may have.
Thank you for your interest in Mollett-Hunter Insurance. We have several locations to serve you: Chickasha 405.224.5404, Anadarko 405.247.7323 and Cyril 580.464.2444, our agents are standing by to answer any question or assist in any way with your insurance.
Insuring: Oklahoma City, Lawton, Chickasha, Moore, Norman, Anadarko, Edmond, Blanchard, Tuttle, Newcastle, Cyril, Fletcher, Elgin, Hinton, Binger and Throughout Oklahoma
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.