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Owasso-Tulsa Home Insurance: "Balancing price and protection is always the best policy."
When you buy an insurance policy to protect your family, you are buying part price and part advice. So if you get tricked into buying just price, you may end up with only part of the whole policy you need. A fifteen-minute price quote might save you money, but it could also leave your income and assets at risk when a big loss occurs and you don't have the coverage you need.
What makes us different at St. John Insurance is that we don't sell just price. Instead, we strive to provide our clients with the very best combination of price and protection that meets their needs and budget. So if you are looking for an independent agency that provides you with both competitive rates and professional advice, call us for a no-obligation insurance proposal.
FAQs
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.
For more information, click here or call the professionals at St. John Insurance.
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