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flooded houseBefore any potential disasters can occur, it's important to take the time to review your homeowners or renters insurance policy and make sure you have the right amount and type of coverage.

Here are five tips to properly insure your home:

Review Your Insurance—Before You Have a Loss!

Read the Declarations “Dec” (front) page of your policy, as it provides a useful summary. Review all policy documents and contact your insurance professional with any questions. 

Understand Which Disasters Are Covered—and Which Are Not

Hurricanes, windstorms and tornadoes are covered by standard homeowners and renters policies.

Floods and earthquakes are not covered—you must buy separate policies for these disasters. Coverage for flooding and storm surge is available from the National Flood Insurance Program and from a few private insurance companies. There is a 30-day waiting period for flood insurance to go into effect, so buy it now if you need it.

Have Enough Insurance

Get enough insurance to rebuild your home and replace your personal possessions. Know the difference between replacement cost and actual cash value coverage; understand your additional living expense coverage; and consider getting law and ordinance insurance so you can rebuild to current building codes: What Is Covered by a Standard Homeowners Policy?

Understand Your Deductibles

A deductible is the amount you pay out of pocket for a loss before the insurance coverage kicks in. Know the difference between a standard dollar deductible and wind or hurricane deductibles, and when they would be applied.

Consider Special Coverages

You may want to get coverage for sewer backup if you live in an area with an aging infrastructure: Sewer Backup Coverage

Consider a floater or endorsement for expensive jewelry, artwork, musical instruments or collectibles: Coverage for Jewelry and Other Valuables.

Disasters can strike at any time, with bad weather being at times unpredictable. Make sure that what you value most is protected. Call ECI Insurance Agency at (405) 373-2977 for more information on Oklahoma City home insurance.
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