HOMEOWNERS

Oklahoma Homeowners Insurance

Homeowners Insurance
Built for Oklahoma

When you live in Oklahoma, you need home insurance designed to protect your greatest investment from anything that Oklahoma can throw at it.  From fires to floods, grapefruit sized hail to gustnadoes, ice storms to earthquakes, we tend to see it all in Oklahoma. 

Beyond weather, homeowners insurance is designed to protect you against other losses too.  These include your possessions, loss of use of your home, medical and liability coverage should something happen to others in your home.  

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Home Insurance
Condo Insurance
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How to get a 'good deal' on homeowners insurance

When it comes to buying insurance for your home, how do you what is a 'good deal'? It can be frustrating and confusing trying to find a 'good deal' on insurance. A 'good deal' can mean different things to different people. For some it means the lowest price. For others, it means securing coverage from a highly rated company at a fair price. However you define it, here are some things to consider when comparing insurance carriers:
  • Is the agent independent or 'captive' meaning they can offer insurance from many companies or just one company?
  • What discounts can you qualify for?
  • What has been the history of premium rate increases for the insurance company?
  • What is the quality rating of the insurance company? (Do they have the financial resources to pay your claim?)
  • How does the insurance company handle claims?
  • How does the insurance company respond to catastrophes?
  • How much are the deductibles (the amount you pay out of pocket) for a covered loss?
  • Are you paying for replacement coverage for your roof and personal possessions or actual cash value (after depreciation)? 
  • How does the insurance company determine the value of my home? (It's not always what you pay for it). 
  • Does the agent take the time to ask questions to understand your circumstances or do they just give you a quote?
  • Does the agent take the time to answer your questions thoroughly? Do they help you understand the coverages?
  • Based on where you live in Oklahoma, do you need to add Flood Insurance or Earthquake coverage?
When it comes to getting the right insurance to protect your home and property, the professional Trustpoint Insurance team is ready to help you.  As an Independent Agency, Trustpoint Insurance is able to work with many insurance companies to find you the best Oklahoma homeowner's insurance coverage at the best price.  Contact us today to learn more.  405-225-2820

What if I live in a condo or apartment? 

Whether you own or rent, if you live in a multi-unit property, there are different risks to consider and the professionals at Trustpoint Insurance can help you determine the amount of coverage to protect your belongings and more. 
            405-225-2820
            service@trustpointok.com
Hours:  M-F 8:30am -5:00pm
Other hours by appointment

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