Crime, accidents, and weather are part of life.
Every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowners’ insurance quotes when it seems every company offers something different?
Start by getting a free home insurance quote from an independent insurance agent in the Horn & France Insurance family. We can compare rates for you so you can get on with enjoying your home and family.
Renters insurance provides low-cost coverage for your personal belongings, so you can recover from loss, damage or theft. It also covers your personal liability.
Your landlord’s policy covers the building and grounds, but will not reimburse you for the costs of your personal items in the event of a loss, or cover the costs of injuries or damage that happen inside your rental space.
In the event of damage or theft of your property, if you do not have a renters’ insurance policy, you will be left to recover from your loss out of pocket. A Horn & France agent can assess your unique coverage needs, help you compare policies from several insurance companies, and help you make an informed choice.
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Frequently Asked Questions
My basement flooded and all my furniture is ruined. Does my policy cover this?
Flood coverage is generally excluded on the basic homeowners policy. However, some homeowners policies provide coverage for backup of sewers and drains that cause flooding in your basement. Check with your Lawton agent to see if this coverage is provided and how much it costs.
My house and all its contents were completely destroyed by fire. How can I recover this loss through my homeowners policy?
Whether your policy pays for the replacement or just the actual cash value of items lost, the insurance company is only obligated to pay for personal property that you can show you owned at the time of loss. It is a very good idea to keep an up-to-date inventory in a secure place. It can also be very helpful to take pictures of each room and keep them with your inventory.