Is all Oklahoma Home Insurance The Same?

When seeking a homeowners insurance policy in Oklahoma, clients of Miner Family Insurance often express a preference for a low-cost policy, assuming that all policies are the same. However, it is important to note that policies offered by different insurance companies may vary in coverage and scope.

One key aspect to consider when evaluating an Oklahoma home insurance company is the extent of coverage provided by their policies. Specifically, the policy's "perils" will define the types of events that are covered. These perils may include fire, hail, lightning, and other specified events, and are typically covered under a Named Peril policy. It is important to note that if an event occurs that is not specifically listed in the policy, coverage may not be provided.

​To ensure the broadest coverage possible, we recommend selecting an Open Peril policy that covers everything except for specifically excluded events such as earthquakes, mudslides, and meteorites. By working with an insurance company that offers the most comprehensive coverage available, homeowners in Oklahoma City and Edmond can be sure that their homes are well-protected.

Topics: home insurance, oklahoma city home insurance, edmond home insurance, homeowners insurance