Buying your first home can be terrifying. It is a significant investment, and you may have no idea of all the things homeownership entails. Including, of course, how to choose the right home insurance and what you are paying for. In Oklahoma City, OK, Freeland Insurance is here to help you every step, from picking your first policy to filing your first claim. 

Dogs are a liability.

You love your dog, but dogs are a liability. Depending on the breed, they may even be excluded from your coverage. Be sure to mention any dog you may have when getting your home insurance. 

Home insurance has exclusions.

Home insurance covers many things and offers lots of protection, but there are exclusions which are things your policy won’t cover. Some of the things that are excluded include:

• Owner neglect
• Earth movement
• Floods
• Sewer backup
• Nuclear accident
• War
• Mold
• Dangerous dogs
• Termites

You can choose how to cover your contents

When it comes to covering your content, you have options. You can choose to cover your personal property for its value today, which allows for depreciation, or you can cover the cost of replacing it today. It is less expensive to go with today’s value. 

Some types of content coverage have limits.

When looking at your policy, you may notice that things like jewelry, art, and antiques have limits. They are usually relatively low, so if you want them to be protected, you should have an appraisal and get a rider to increase the limit on that category. If you have expensive items, you need additional coverage. 

Contact Freeland Insurance in Oklahoma City, OK to get the choices only an independent insurance agency can offer. We offer free no-obligation quotes.