Home Insurance in Oklahoma

Your home is your castle, and it is the single largest investment most people will ever make. It is the American dream to own a home, and when you have achieved that dream, you want to make sure your home is safe and protected. Bad things happen, it is inevitable, but if you have the right home insurance and an exceptional insurance agent, it doesn't have to be a terrible experience. At S & S Insurance Services, Inc. in Oklahoma City, OK, we offer the residents of Oklahoma our years of experience providing our clients with an insurance agency they can count on.

The state of Oklahoma does not require that you carry home insurance. However, if you have a mortgage, your lender will require it. It would help if you had enough insurance to protect their investment. That represents the building itself. What is inside of the physical structure is yours to worry about. Home insurance has a variety of coverages. It covers the building itself and any attachments such as a garage, deck, or porch. It also covers any detached buildings such as a shed, casita, or detached garage.

Contents are a vital part of home insurance. These are your personal possessions, and if they are destroyed, damaged, or stolen, you want them repaired or replaced. Coverage comes in two different types, replacement cost or actual cash value. Actual cash value takes age and depreciation into account. Replacement lets you replace your item with a similar item at the cost today. Always read your policy and make sure that you have all the coverage you need for the items that you have.

Liability is an integral part of your coverage. It will protect you if you are sued by someone who is injured while visiting your home or by a member of your family.

At S & S Insurance Services, Inc., we provide the residents of Oklahoma friendly and efficient service. As independent agents, we also offer choices. If you are in the market for a new home insurance policy or would like us to look at your current coverage, visit our office in Oklahoma City, OK, or give us a call.