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What Type of Property Damage Does my Homeowners Insurance Cover?

Unfortunately, life doesn’t always work out the way we plan. When unexpected events put your home and possessions at risk, you want to have a back-up plan. That’s where homeowners insurance comes into play.

Every insurance policy has specific terms, conditions, and limits. As such, you want to make sure that you understand the fine print of your policy so you know it is tailored to your needs. Below are just some of the standard coverages included in Oklahoma homeowners insurance policies:

Dwelling Coverage

This covers the cost to repair your home or rebuild its structures, such as for:

  • Electrical wiring
  • Plumbing
  • Heating and air conditioning
  • Roofs
  • Staircases
  • Walls

Other Structures Coverage

This coverage protects the physical structures of your home that are separate from the main property.

Personal Property Coverage

This protects the belongings of your home from theft, vandalism, or other damage, even if it is outside of your home.

Loss of Use Coverage

This covers the cost of your temporary living expenses if your home is uninhabitable for a period of time because of damage that is a covered loss. For instance, if a tornado destroys a part of your home and needs repairs, this will cover the ...

Liability Coverage

This coverage will help pay for your legal defense if someone sues you after being injured on your property or if you damage their property. For instance, if your dog bites and injures someone, this coverage may be utilized for your legal expenses.

Medical Payments Coverage

This covers the medical expenses of someone who is injured on your property, such as in a slip and fall accident.

For many homeowners, basic coverage is not enough to fully protect their belongings. Many insurance companies offer additional coverages that you can add to your unique policy. Whether you need assistance reviewing your homeowners insurance coverage or filing an insurance claim, the Tulsa insurance claims attorneys at Aizenman Law Group are here for you.

Contact our firm at (918) 215-8856 to speak with our legal team for free today.