What Does Homeowners Insurance Cover?
In addition to covering the structure of your home and personal belongings, homeowners insurance often includes coverage for detached structures. This means that buildings on your property that are not directly attached to your home—such as garages, sheds, fences, or gazebos—are also protected against covered perils like fire, windstorm, or vandalism. This ensures that every part of your property, not just the main house, is considered in your protection plan, giving you peace of mind that your entire living space is secure.
Another essential component of homeowners insurance is loss of use coverage, sometimes called additional living expenses (ALE). If your home becomes uninhabitable due to a covered event—such as a fire or severe storm—this coverage helps pay for temporary housing, meals, and other living expenses while your home is being repaired or rebuilt. It’s designed to ease the financial burden during a difficult time, allowing you to maintain a comfortable standard of living without the added stress of unexpected costs.
Comprehensive Coverage Options
Our homeowners insurance policies offer a range of coverages designed to safeguard your home and personal belongings:
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Property Coverage: This protects the physical structure of your home, including attached structures like garages, against damages from covered perils.
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Personal Property: Coverage extends to your personal belongings within the home, such as electronics, jewelry, and other valuables, in case of theft or damage.
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Liability Protection: If someone is injured on your property or you accidentally cause damage to someone else’s property, this coverage helps protect you against potential legal and medical expenses.
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Medical Expenses: Provides coverage for medical costs if a guest is injured on your property, regardless of fault.
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Additional Living Expenses: If your home becomes uninhabitable due to a covered loss, this coverage assists with temporary housing and additional living costs.
Dedicated Claims Support
In the event of a loss, our team is here to guide you through the claims process with ease and efficiency. You can report a claim directly by calling us at 918-742-6500 during business hours. For after-hours assistance, please contact your insurance company directly using the 24-hour claim reporting numbers provided on our Payment & Claim Center page. Prior to calling, please have your policy number available to expedite the process.
Why Choose Oklahoma Insurance Connection, LLC?
As an independent agency, we have access to a diverse range of top-rated insurance carriers, allowing us to provide multiple quotes and options to save you money while ensuring optimal coverage. Our experienced agents are dedicated to delivering personalized service and are always available to answer any questions you may have. We are proud to serve the Tulsa, Oklahoma community, including the Broken Arrow, Jenks, Owasso, Sand Springs, and Sapulpa areas.
Get a Free Quote Today
Protect your home and your peace of mind with a tailored homeowners insurance policy from Oklahoma Insurance Connection, LLC. Contact us today at 918-742-6500 or visit our website to request a free, no-obligation quote. Our team is ready to assist you in finding the right coverage to meet your needs.
Comprehensive Property Protection
Personal Belongings Coverage
Detached Structures Included
Liability and Medical Expense Coverage
Loss of Use Coverage
Homeowners insurance is more than just a policy—it’s your safety net when life takes an unexpected turn. At Oklahoma Insurance Connection, LLC, our mission is to provide customized protection that fits your lifestyle and budget, with the personalized support of local agents who care. Whether you’re buying your first home or reassessing your current coverage, we’re here to help you navigate your options and find the best fit. Reach out today for a free quote and experience the peace of mind that comes from knowing your home and everything in it is well protected.