Once you’ve found that perfect home in Muskogee, OK, your next step should be protecting your costly investment with home insurance. Home insurance protects your home and possessions against threats that can cause you financial loss. At D & E Insurance Agency, we offer quality home insurance coverage to homeowners in Oklahoma. We’re fully capable of meeting your home insurance needs.
Standard homeowner’s insurance in Oklahoma Offers the following protection for you and your family:
Dwelling – Dwelling coverage protects your home structure against damage or destruction due to fire, tornadoes, winter storms, hailstorm, and other disasters. Ideally, this coverage should be enough to cover the cost of replacing your home if it’s totally destroyed in a disaster.
Property – Property coverage protects your possessions – your clothes, furniture, electronics, appliances, and other personal items. Actual cash value coverage pays to replace your goods after taking off for depreciation. Replacement cost coverage covers the cost of replacing your goods without taking off for depreciation. If you own costly goods, the latter coverage may be more feasible in protecting your property.
Liability – Liability insurance protects you against accidents that may happen on your property such as slip and falls, kitchen accidents, pool accidents, etc. If a visitor is injured while visiting your home, liability insurance covers his medical costs. If someone’s property is damaged while visiting your home, liability insurance will cover repair or replacement costs, up to the limits of your policy. This saves you from paying these expenses out of your own pocket.
If you own a home in Muskogee, OK, you can benefit from the protection home insurance provides. To learn more about home coverage or to purchase a home policy, contact D & E Insurance Agency today.