Need Home Insurance In Norman, Oklahoma?
Tatum insurance is an independent agency with an office in Norman, Oklahoma. We sell insurance policies from multiple carriers including homeowners insurance. Tatum insurance works for you, not the carrier.
We have experience of over 60 years selling insurance policies. Our team of professionals will advise you about different home insurance packages in a language you will understand. We will match you with a suitable home insurance policy for you and your family. Tatum insurance guarantees you adequate coverage at competitive pricing.
Tatum insurance has an office located in Norman, Oklahoma. We are an independent agency offering unbiased advice because we represent multiple carriers. Our team of experts will educate you about the different homeowners insurance policies available to you.
With over 60 years of experience in the insurance industry, we are more than capable of handling your insurance needs. We will help you to find a policy that is suitable for your household with adequate coverage at competitive rates.
The Different Types of Homeowners Insurance
A homeowners insurance policy is designed to protect your house and your belongings inside against covered perils. This policy also protects you against liability which may result in financial loss. A standard homeowners policy protects you against hazards such as:
Dwelling coverage is meant to protect the house and the built-in appliances in your house from damage. In your home insurance policy, your ‘dwelling’ means the entire structure of your house and structures attached to it. For example, a car garage or wine cellar. If a covered peril damages your home, this coverage will pay for the cost of repairing the house or rebuilding it if necessary.
Personal Property Insurance
Personal property insurance protects your personal belongings in your house against covered perils. This policy protects your belongings such as:
- Gym Equipment
You may need additional coverage for expensive property such as jewelry and rare art.
Liability coverage protects you against financial losses which may arise from bodily injuries sustained by guests on your property. These losses may include the victim’s medical bills, loss of income, pain, and suffering, etc. This policy will also pay for your legal defense in case you end up in court.
Why You Need Homeowners Insurance
Your home is where you come to relax and have a good time with your household. There are different reasons why it is important to protect your investment by purchasing a homeowners policy including:
To Protect Your Home And Other Property
A basic homeowners insurance protects your home against covered losses. This policy pays for repairs and replacement of your property. It saves you against unexpected financial loss. Additionally, if your home is uninhabitable due to a covered loss, home insurance pays for your temporary shelter while your home is being repaired or rebuilt.
Your Lender May Require It
Though homeowners insurance is not mandatory, it may be required by your mortgage lender. If you do not have a policy, your lender may buy one for you in your name. The cost would be added to your monthly premiums. Your lender does not have time to shop around for the best deal for you. You may end up paying higher rates for coverage which you may be getting at a reduced price.
It Protects Against Pet Bites
If your dog bites someone, this policy protects you against financial loss. Dog bites open up all sorts of trouble including damages and lawsuits. This policy pays for your legal defense in case you are sued. It also pays for medical bills of the victim.
Our Office In Norman, Oklahoma
We have offices that can be found in Norman, Oklahoma. We are experienced in selling home insurance policies for over 60 years. As Tatum insurance, we are here to help members of Norman community get competitive rates with adequate coverage for home insurance.