If you live in the 4 State area of Oklahoma, Missouri, Kansas, and Arkansas, then you know how the weather can be unpredictable. Tornados, lightning strikes, high winds and storms, can wreak havoc on your most valuable asset. A house is more than a place to live; it’s an important part of preparing for retirement. As a result, having adequate homeowner’s insurance is imperative to protecting you today and tomorrow. At 4 State Insurance Agency, we know that that you have a choice when it comes to choosing an insurance policy. Let our friendly and professional advisors walk you through your options and help you choose a policy that works for your needs. Discounts associated with having both your auto and home with one company can save you money.
Homeowners insurance is designed to include coverages that contribute towards the cost of repairs or replacing your home and belongings because of a loss. A loss can be the result of storm, fire, theft or other events. Most policies will cover costs associated with a visiting adult or child getting injured at your home, or damage to another person’s property. Coverage can vary, but most often a standard homeowners insurance policy will include coverage for your house, other buildings on the land, personal property and liability for injuries or damages to others. Keep in mind that floods from rising water and earthquakes are not typically covered, Coverage for floods can be purchased on an additional policy for these risks. A mortgage or lender may require flood insurance.
Whether you are buying your first home, upgrading to a dream home, or downsizing for retirement, choosing the right home insurance policy is imperative. At 4 State Insurance Agency, our team is ready to guide you in determining what protections you need to best serve your family. We will work with you to determine how much dwelling coverage you need based on the price of reconstruction or repair to give you peace of mind. Choosing a policy doesn’t have to be overwhelming. We are here to help you navigate this process.
