When it comes to protection for your house, you want the very best, including coverage for your everyday items. Homeowners insurance from Esurance covers all that and more, like medical protection for guests and personal liability protection.
Check out the variety of coverages that come standard with an Esurance home policy.
Most of the Sooner State is located in Tornado Valley, so you're probably familiar with harsh weather (particularly severe storms). Fortunately, if a covered risk like wind, hail, or even fire damages your home, repairs to your home are covered by your policy.
How do you know how much coverage is right for you? Consider getting at least enough dwelling protection to cover the total cost of rebuilding your house. You can always increase your coverage limit if you'd like.
Guest medical protection
Say a guest slips and falls on your front steps, banging up a knee. Even if you're not liable for their injuries, your homeowners insurance could help pay their medical fees. There's no deductible associated with guest medical protection, so you don't need to pay anything out of pocket for this coverage to kick in.
Personal property protection
Part of what makes your house a home are the things you keep there — furniture, clothes, electronics, and other well-loved items.
If you're not sure how much coverage you should get for your personal property, taking a home inventory can help you figure out what your belongings are worth and how much it would cost to replace them if they were stolen or damaged by a covered incident.
Water backup coverage
If you have water damage due to a clogged drain or a broken sump pump, water backup coverage will pay up to $5,000 automatically. As a homeowner in Oklahoma, you might even be able to increase your limits up to $25,000 for even more protection. To check available coverage for your policy, just call us at 1-866-439-5633 — our licensed agents are available at these times.
Additional living expense coverage
If a covered loss leaves your home temporarily uninhabitable and you need to stay elsewhere while repairs are made, we'll help cover your hotel bill, food costs, and other reasonable expenses for up to 12 months (up to your limit) or until it's safe to return home.