Oklahoma Insurance Professionals LLC Blog |
 Summer in Oklahoma is a season of extremes. The storms get bigger, the lake gets busier, the backyard fills up with people, and the calendar fills up with weddings, reunions, and weekends at the cabin. It's the best stretch of the year for a lot of Oklahomans, and it's also the stretch where the most claims get filed.
Most of those claims trace back to the same thing: a policy that was set up for how life looked in January, not how it looks in July. This is a good time of year to walk through the coverage that actually matters once the weather warms up. Not a sales pitch, just a checklist of what's worth a second look before the season gets going.  June through August in Oklahoma is a good reminder that the weather here does not take a summer vacation. Storms in July can drop baseball-sized hail. August can bring straight-line winds that push 80 miles per hour before the radar even catches up.
If you own a home here long enough, you are going to file a storm claim at some point. The question worth knowing the answer to ahead of time is what your policy actually covers when it happens. Here is a straightforward look at what a standard homeowners policy covers during a summer storm in Oklahoma, and where the gaps tend to show up.  Most Oklahoma homeowners know their policy covers the house. What trips people up is everything else on the property.
The shed in the backyard. The detached garage. The pergola someone added last summer. The wood privacy fence that took a hit in March. These all fall under a separate part of your homeowners policy called Other Structures coverage, and it works a little differently than the coverage on the main dwelling. Here's what you should know before storm season gets any deeper into May.  Moore has a different relationship with home insurance than most places.
It's not that the coverage works differently here. It's that the people who live in Moore have seen firsthand what happens when a home is gone and all that's left is a policy. That experience changes how seriously residents take coverage, and it also raises the stakes when a policy isn't structured the right way. Here's what Moore homeowners are worth knowing before the next storm season arrives.  Edmond has grown a lot over the past decade. New neighborhoods, new construction, higher home values, and a steady stream of buyers relocating from other parts of the state and beyond.
A lot of those homeowners are buying or renewing insurance without a clear picture of what the local risk environment actually looks like and how it affects their coverage. That's worth fixing before a claim happens rather than after.  Three down. One to go.
The Thunder head to LA on Monday night with a chance to send the Lakers home, and honestly, this series has never really felt close. OKC won the first three games by a combined 57 points. The Lakers are a good team. The Thunder just haven't let them be one. Meanwhile, outside Paycom Center, it's May in Oklahoma. Which means the atmosphere is looking to dominate in its own way.  When something gets damaged or stolen inside a home, most homeowners assume their insurance will handle it. That assumption is usually correct, but the details matter more than most people realize until they're in the middle of a claim.
Personal property coverage is the part of a home insurance policy that pays for belongings. Understanding how it works before something happens makes the whole process less surprising if something does.  Most homeowners know their policy covers personal property. What they don't always know is that certain categories of personal property have their own separate limits, and those limits are often much lower than what the items are actually worth.
This is where scheduled personal property coverage comes in. It's one of the more straightforward additions to a home policy, and for homeowners who own valuables, it's one of the more useful ones.  Running a business out of your home has become a lot more common. Some people do it full time. Others have a side operation that brings in extra income. Either way, most of them assume their home insurance has them covered. It usually doesn't.
This is one of the more consistent gaps that shows up when homeowners actually look closely at their policy. The coverage they bought to protect their home was not designed with a business in mind, and insurers draw a clear line between personal and commercial use. |
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