As a homeowner, protecting your home and its contents is essential. Therefore, purchasing homeowner’s insurance is crucial. If you live in the Tulsa, OK, area and want to learn more about homeowner’s insurance, our Alan Farley Insurance LLC team is ready to provide the education you need.

Although homeowners’ policies anticipate adverse weather and typically cover weather damage to your home, there may be a limit to the amount of damage you can claim. For example, according to the Oklahoma Insurance Department, hail damage is the most common type of claim made to homeowners’ insurance. Your policy may have a higher deductible for wind and hail damage, especially in areas deemed to be at higher risk for hailstorms.

Coverage for Hail Damage

Some homeowners’ policies may include provisions for wind or hail damage, yet they may have exceptions for cosmetic damage. This means you would not be able to claim any damage to the exterior of your home. If you don’t know how much hail coverage is included in your policy, check the policy’s details.

In addition to ensuring your policy covers hail damage, you can protect your home against the impact of hail. According to the Oklahoma Insurance Department, you could choose hail-resistant shingles for your roof. Some insurers may offer discounts for clients with impact-resistant roofs.

Contact Alan Farley Insurance Today

Whether you are interested in details of wind and hail coverage or have general questions about your insurance policies, our Alan Farley Insurance LLC team can help you find policy options to fit your budget. Tulsa, OK, residents can feel confident about calling and talking to our team. Call us for an appointment today, and let us help you protect your home.

Consider the requirements for insuring an older home. The research that you complete will prepare you for your upcoming home purchase. 

Risks Associated with Older Homes

Older homes come with different risks than modern homes. They may often feature a distinct design and be constructed of materials that are not as easy to replace as modern materials.

Some older homes are not well-maintained. They may require complete overhauls before they are deemed habitable. For these reasons, insurance companies typically offer specialized insurance products designated for older homes.

An older home could be located in a historic district or a standard neighborhood. The age of the home will dictate whether older home insurance is needed to cover it. 

Inspection

A home inspection can provide valuable information that will help a potential buyer know about the problems that exist with the home’s construction. The inspection results could influence the amount of older home insurance coverage needed.

It is a good idea to seek an inspection of any older home that you are interested in purchasing. The results of each inspection can help you make an educated decision about purchasing a particular residence.

Research

Once you have chosen one or more older homes to purchase, research various insurance products designed for older homes.

Contact Alan Farley Insurance LLC

Our Alan Farley Insurance LLC agents sell a wide range of home insurance products. Schedule an appointment to meet with one of our friendly representatives in Tulsa, OK. The representative who assists you will outline the home insurance products that may benefit you as a homeowner. 

Home insurance makes owning a home less of a risk. It covers you from a variety of things, including theft, fire, a lightning strike, and liability. At Alan Farley Insurance LLC in Tulsa, OK, we use our extensive knowledge of insurance to help our customers get the right coverage for their needs. Your home insurance policy needs to be reviewed to make sure it is up-to-date. 

When your insurance is renewed

Most home insurance policies are renewed every year. When the policy renews, an updated copy will be sent to you either as a paper copy or as a digital copy. The front page is called the declaration page, and it is a synopsis of your coverage. You should read it over carefully. Make sure that all the levels of coverage that you have make sense. If your income has risen over the years, and you have never increased your liability, it may be time to consider that. 

When you have made major repairs

If you have made major repairs that have increased your usable square footage, the value of your home may have increased. If you have not informed your insurance company about these repairs, it is something that you should do. 

When you have added a dog to the family

Owning a dog increases your liability risk. When you get a dog, talk to your insurance agent about what breed of dog you have. Some dogs are considered so dangerous that your liability insurance doesn’t cover them. This leaves you at risk.

Consult With Us

Contact the Alan Farley Insurance LLC in Tulsa, OK to get the home insurance that you need.  

Owning real estate in the Tulsa, OK area has been a good idea for a long time. While there are a lot of benefits that come with home ownership, it continues to be important that you carry the right insurance for your home as well. People throughout the Tulsa area need to maintain home insurance for various reasons. 

Meet Requirements

Almost all property owners in Tulsa will be required to carry home insurance. For many owners, taking out a mortgage is a necessity to buy a property. When you do take out a mortgage, you need to meet the insurance requirements set by a lender, which will always include carrying full home insurance. You also need to meet any insurance requirements set by a home association if you reside within one. Meeting these requirements can help you avoid being in default and facing penalization. 

Financial Protection

A home insurance plan in the Tulsa area is also a good idea as it offers very helpful financial protection. A standard home insurance plan will give support if your property is damaged and you need to make serious repairs. It will also provide support if you are found liable for an accident. In either situation, it will give you financial protection and can also offer other forms of support to make the process go smoothly. 

Reach Out To Us

Owning a home in the Tulsa, OK area can be a great idea. However, it is important that you get the right insurance for it, and starting the search by calling our team with Alan Farley Insurance LLC is a great option. Our insurance team with Alan Farley Insurance LLC can help you build a policy that will meet your needs and keep you properly covered at all times. 

Water damage is a common type of home insurance claim. These types of repairs can be time-consuming and really bring your family’s life to a halt while they are being completed. Here at Alan Farley Insurance LLC, we like to teach owners good ways to protect their homes. Here are some ways to protect your home from water damage in Tulsa, OK and the surrounding areas. 

How To Avoid Water Damage In Your Home 

Never Ignore A Leak

If you notice a small leak in your home, you might be tempted to just hope it goes away on its own. Leaks never go away on their own. In fact, leaks actually get bigger and bigger the longer they are left. The best course of action is to repair leaks quickly as soon as you notice them. 

Winterize Your Pipes

If you haven’t already, you need to winterize your pipes. This means that pipes running under your home need to be insulated against freezing temps in winter. A local plumber can usually help with this task. If pipes freeze during the winter, they can burst. Once the water thaws back out, water will come rushing into your home through the cracks. Winterizing can help to avoid this. 

Update Appliances 

All appliances that use water, are less efficient and often contribute to leaks and condensation accumulation. Over time, all of this moisture can start to cause water damage. To save money on energy, and better protect your home from water damage, update appliances. 

Keep An Eye On Drainage 

The way that water drains on your property can also play a big part in water damage. Make sure water is being properly drained away from your home with the use of gutters. 

Reach Out To Us

Contact us at Alan Farley Insurance LLC for all of your insurance needs in Tulsa, OK and the surrounding areas.