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Best Homeowners Insurance Agencies in Tulsa

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A Affordable Insurance Agency logo
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A Affordable Insurance Agency

1635 S Harvard Ave, Tulsa, OK 74112
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  • Renter's Insurance
  • Earthquake
  • Fire
  • Flood
  • Homeowners

Business Description

At A-Affordable Insurance in Tulsa, Oklahoma, agents strive to create personalized home insurance policies that suit each customer's needs. The company has been in business for more than two decades and offers a full scope of insurance products. Its homeowners policies are provided by partners such as Progressive, Bristol West, and Trades, and cover the cost of home repairs and replacement of belongings stored inside the home in the event of a fire, natural disaster, theft, or vandalism.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (141)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Bayouth Insurance Agency Inc logo
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Bayouth Insurance Agency Inc

804 E Taft Ave Ste G, Sapulpa, OK 74066
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  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Bayouth Insurance Agency Inc. is an insurance brokerage located in Sapulpa, Oklahoma. The company works with Harbor Insurance, Progressive, and dozens of other insurance carriers to provide clients with traditional and mobile homes with packaged insurance plans. Policies cover damage to the property and the client's legal responsibility for any injuries sustained on the premises. Bayouth also offers car and recreational vehicle insurance. Discounts are available for clients with fire-resistant homes and security systems.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (17)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Best Insurance logo
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Best Insurance

1825 S Garnett Rd, Tulsa, OK 74128
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Best Insurance has been serving customers in Tulsa, Oklahoma, for more than a decade. It offers a full suite of insurance services, including homeowners insurance policies. The company works with a variety of carriers to provide affordable insurance solutions to its customers and protect them in the event of a natural disaster, fire, vandalism, or theft. Its policies cover the cost of repairs should structural damage occur, as well as the cost of replacing the contents of the home.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (916)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bobby Williamson logo
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License Verified:

License: 40164061

Oklahoma Insurance Department

Bobby Williamson

7992 South Sheridan Road, Tulsa, OK 74133
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  • Homeowners

Business Description

Bobby Williamson is a home insurance agent that has been servicing Tulsa and the surrounding parts of Oklahoma. He is affiliated with State Farm, and also provides auto, life, and business insurance with his team of multi-line representatives. Bobby was a US Navy Rescue Swimmer Veteran before he became an insurance professional in 2012. He is a lifelong resident of Oklahoma, so he is more knowledgeable and familiar with relevant homeowners' regulations. Bobby and his team provide 24/7 availability, believing in building friendships with clients.

License Verified:

License: 40164061

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (45)
Yelp
2.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bracken Insurance Agency logo
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License Verified:

License: 100101312

Oklahoma Insurance Department

Bracken Insurance Agency

9717 East 42nd Street, Tulsa, OK 74146
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  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Homeowners

Business Description

Bracken Insurance Agency is a full-service independent insurance firm that serves the Tulsa metro area and surrounding communities. The company helps individuals and families acquire adequate protection for their homes, belongings, and loved ones with a homeowners insurance policy. Its insurance agents represent different providers and help clients choose the right policy akin to their needs. Some of the coverages they offer include property coverage, personal property, liability, medical protection, and living expenses. They also provide renters, condos, flood, and earthquake insurance.

License Verified:

License: 100101312

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carl Novara Agency logo
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License Verified:

License: 21544

Oklahoma Insurance Department

Carl Novara Agency

4864 South Yale Avenue, Tulsa, OK 74135
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  • Homeowners

Business Description

Carl Novara Agency is an insurance agency based in Tulsa that offers a full coverage homeowners insurance policy for the replacement of structures, roofs, and personal articles. Carl Novara is an insurance agent who provides his clients with a variety of homeowners insurance options to choose from, conducts regular insurance policy reviews and proposals, and provides detailed information about coverages and insurance deductibles. The agency also offers other services such as life, pet, auto, commercial, and specialty insurance.

License Verified:

License: 21544

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Daniel Parker logo
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License Verified:

License: 40111116

Oklahoma Insurance Department

Daniel Parker

8287 S Memorial Dr, Tulsa, OK 74133
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  • Multiple Policy Types

Business Description

Daniel Parker is an insurance professional affiliated with State Farm. He caters to individuals, families, and businesses in Tulsa and the surrounding areas. He offers homeowners' insurance policies, which cover personal belongings such as appliances, collectibles, electronics, furniture, and jewelry. He also provides auto, health, life, pet, and renters' insurance plans. Parker brings over 25 years of experience in the financial and insurance industries. He is a member of the Million Dollar Round Table and the National Association of Insurance and Financial Advisors.

License Verified:

License: 40111116

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Foursquare Insurance - Oklahoma logo
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License Verified:

License: 10014122

Oklahoma Insurance Department

Foursquare Insurance - Oklahoma

5272 South Lewis Avenue, Tulsa, OK 74105
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  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Foursquare Insurance - Oklahoma is an insurance provider serving the people of Tulsa and the surrounding communities. In business since 2011, the independent firm offers a wide range of insurance coverages, including homeowners insurance. Its team of professional agents has the experience and network to help families avail themselves of insurance solutions that will keep their residential property covered from unexpected events. In addition to homeowners insurance, Foursquare Insurance - Oklahoma can also help clients obtain auto, umbrella, life, and commercial insurance.

License Verified:

License: 10014122

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (32)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Freedom Insurance Group logo
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Freedom Insurance Group

402 N Broadway, Coweta, OK 74429
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  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Freedom Insurance Group is located in Coweta, Oklahoma, and has served the Tulsa metropolitan area since 2018. As an independent insurance agency, the company represents more than 20 carriers to help find the correct homeowners coverage and price points for each customer. Inspired by the free-market principles of the American economy, Freedom Insurance Group believes in giving power back to its customers by offering freedom of choice when it comes to selecting homeowners insurance coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.8 / 5 (21)
Google
4.4 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
HBI Insurance logo
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HBI Insurance

3200 S Elm Pl Ste 103, Broken Arrow, OK 74012
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  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

HBI Insurance has been connecting clients throughout the greater Tulsa, Oklahoma, area with the right homeowners insurance since 2016. Owner Heidi Brown has more than 20 years of insurance experience and works with clients on an individualized basis. She starts by assessing each client's needs to determine what homeowners insurance options, such as property damage, liability, vandalism, and theft coverage, is best for them. She also helps clients secure specialty insurance solutions, including flood and earthquake insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jimmie A Neely Insurance Agency logo
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License Verified:

License: 98761

Oklahoma Insurance Department

Jimmie A Neely Insurance Agency

4444 East 66th Street, Tulsa, OK 74136
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  • Homeowners

Business Description

Jimmie A Neely Insurance Agency is a family-owned and operated insurance agency in Tulsa that extends financial services to residential, commercial, and industrial clients. The business has been providing quality insurance for 65 years. It specializes in automobile and motorcycle insurance, as well as coverage for homeowners. Full protection to possessions is provided to clients through renter insurance. Being an independent agency also allows it to work with several insurance companies, including Safeco, Metlife, and Encompass.

License Verified:

License: 98761

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kerry Engelson logo
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License Verified:

License: 3001000796

Oklahoma Insurance Department

Kerry Engelson

3226 East 15th Street, Tulsa, OK 74104
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  • Renter's Insurance
  • Homeowners

Business Description

Kerry Engelson is an insurance agent at Shelter Insurance, a full-service independent insurance company that serves clients in Tulsa and surrounding communities. Engelson protects individuals, families, and their homes against disasters and unforeseen events with a homeowners insurance policy. Some of the coverages she offers include dwelling and other structures, personal property, additional living expenses, medical payments, as well as family and personal liability. She also represents companies that can provide insurance policies for condo owners, renters, and apartment owners.

License Verified:

License: 3001000796

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
KT Williams Insurance Group logo
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KT Williams Insurance Group

5407 S Lewis Ave # 100, Tulsa, OK 74105
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  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

KT Williams Insurance Group is an independent home insurance agency serving the community of Tulsa, Ohio. The company maintains relationships with more than 15 major insurance providers to offer its clients a wide variety of options and policies to fit their unique needs. It sells homeowners and renters insurance for residences, condos, and mobile homes to cover damage to the home, stolen possessions, and personal and visitors' liability. KT Williams also provides boat and umbrella insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (19)
Google
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Murphy & Associates logo
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Murphy & Associates

5555 E. 71st St., Ste. 8140, Tulsa, OK 74136
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Murphy & Associates is an independent insurance agency based in Tulsa. The family-owned business offers homeowners' insurance and other personal lines of insurance from a variety of carriers. Its policies include coverages for property, personal belongings, liability, medical expenses, and living expenses. It also provides commercial insurance programs for the transportation, construction, oil and gas, and retail industries. Murphy & Associates is affiliated with Cross Pointe Insurance Advisors, LLC, one of the oldest and largest insurance agencies in Arkansas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
RCI Insurance Group logo
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RCI Insurance Group

621 N Cherokee Ave, Claremore, OK 74017
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  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

RCI Insurance Group is a Tulsa, Oklahoma-based agency assisting customers throughout the entire metro area. It sells home insurance policies and educates clients about the benefits of coverage options such as insurance for personal items or liability for injured third parties and adamantly promotes additional coverage areas including damage from sewage backup or falling trees, which are a part of standard packages. Other personal insurance practice areas include auto and recreational insurance. RCI Insurance Group primarily serves commercial clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)
Facebook
4.9 / 5 (27)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rooney Insurance Agency, Inc. logo
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Rooney Insurance Agency, Inc.

4700 South Garnett Road, Suite 200, Tulsa, OK 74146
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  • High Value Home Specialist
  • Multiple Carriers
  • Multiple Policy Types

Business Description

Rooney Insurance has been serving private individuals and businesses in Tulsa and the surrounding areas since 1960. Its team of agents furnishes homeowners' insurance products, which protect policyholders from financial losses when a natural disaster, fire, or theft hits their properties. Whether the potential client is a first-time homeowner, owns multiple properties, or has a high-value home, Rooney Insurance offers solutions responsive to their specifications and risks.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (22)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Sawyer-Phillips Insurance logo
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Sawyer-Phillips Insurance

6666 S Sheridan, Ste 220, Tulsa, OK 74133
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Sawyer-Phillips Insurance is an agency that offers homeowners' insurance in Tulsa and the nearby metros. The policy protects older homes, condominiums, and rental properties, as well as the renter's personal belongings. Sawyer-Phillips Insurance is a merger between the insurance agencies of John Sawyer and Wes Phillips who brings together more than 70 years of industry experience. It also offers insurance products covering business owners policy and workers' compensation. Some of its insurance carriers include The Hartford, Safeco Insurance, Travelers, and Mercury Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Scoggins Insurance LLC logo
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License Verified:

License: 81697

Oklahoma Insurance Department

Scoggins Insurance LLC

11051 South Memorial Drive, Tulsa, OK 74133
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Scoggin Insurance, LLC, is a locally owned and operated home insurance provider that has been operating for over 10 years and serving the Tulsa community. Its agents offer homeowners', condo, and renter's insurance policies. They also work in collaboration with several carriers to find the coverage that can best protect their clients against disasters and losses. Additionally, the team provides other personal and commercial lines of insurance products and services.

License Verified:

License: 81697

Oklahoma Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Son Country Insurance Inc logo
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Son Country Insurance Inc

16 E Broadway St, Sand Springs, OK 74063
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  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Son Country Insurance Inc. is an independent insurance agency with offices in Sand Springs, Oklahoma, that sells home insurance in the Tulsa metropolitan area. Founded in 1983, Son Country Insurance provides homeowners with protection for the structures on their property and personal belongins against damage from fire, theft, storms, and other disasters. The agency additionally provides a wide range of products that include auto, life, and health insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
St. John Insurance logo
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St. John Insurance

9500 N 129th East Ave Ste 128, Owasso, OK 74055
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  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Earthquake
  • Flood

Business Description

St. John Insurance, located in Owasso, Oklahoma, is a Trusted Choice independent insurance agency that provides home insurance throughout the Tulsa metro area. With over 30 years of experience, the agency provides homeowners with protection from liability as well as coverage for damage or destruction of their home, including special policies to protect against floods. St. John's Insurance is accredited by the Better Business Bureau and a member of the Owasso Chamber of Commerce and Tulsa Regional Chamber.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs