Homeowners Insurance

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Homeowner’s insurances covers damages to your property as well as injuries incurred by others while on your property.

 
Homeowner’s insurance provides broad coverage for losses to your home, your personal property and separate structures on your property. It also provides protection in the event of an injury to others on your property. While homeowners insurance is comprehensive coverage, there are some things it does not cover, like flood damage and earthquakes.  This is why your MemberHaven insurance agent will take the time to get to know you and understand your needs.  Your agent will then craft a comprehensive risk management profile for your home insurance policy.
 

Homeowner’s Insurance Coverage

 

Structure:

A homeowner’s policy should cover the cost of repairing or rebuilding the property.  Replacement cost is what it would cost today to rebuild your house in the event of a loss.
 

Personal property

Personal property is loosely defined as anything that will fall out of your home if it is turned upside down. We suggest that our clients create a home inventory to determine how much coverage is needed.  In the event of a claim, an inventory will make it much easier to document the loss and make the claims process much easier.
 

Liability protection

The personal liability section of your policy provides important protection as it covers the homeowner against negligence associated with property.
 

Separate structures

Covers any detached structures on your property.  Detached structures are not permanently attached to the primary dwelling.  Examples include sheds, garages or fences. There are specific limits on the amount of coverage available for these types of structures depending on the amount of coverage for the home itself.
 

Loss of use

In the event of a covered loss, your homeowner’s policy provides additional living expenses, also known as loss of use, to provide for your family while your home is rebuilt or replaced.

 
Fact: Oklahoma home insurance rates are some of the highest in the country, at $1,879 per year for an HO-3 policy, compared to $1,173 nationwide. The primary reason for this is property loss probability. This is a very important reason why it is important to know what your homeowner’s policy covers and what it doesn’t. 

Home Insurance

Discounts:

 
Many insurance companies offer discounts for having the following:
  • Monitored home security systems
  • Multiple policies such as homeowners, auto and life insurance
  • Sprinkler systems
  • Smoke alarms
  • Hail-resistant roofs
  • Smart Home

 

Tip:  MemberHaven offers you premier coverage at the best price by providing you the most discounts the industry has to offer. By calling one of our friendly insurance professionals today, you can rest assured that when the storms hit, your home is protected by the best.

At MemberHaven, our goal is to take the worry out of your life when it comes to home insurance products by delivering on the best product available at the best price available. You do not have to compare and shop your insurance plan, as we will do that for you.

With multiple insurance carriers, we do all the shopping for you, all while delivering on the customer service that you desire.  While getting your homeowners quote, consider bundling other insurance policies for multi-line discounts.
 

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