Home Insurance in Ardmore

Peterson Insurance is proud to be a local independent homeowner’s insurance agent in Ardmore for over twenty years!  We are ready to review your Ardmore home insurance policy and ensure you have the correct coverages you need.  In addition to home insurance, we also write auto, business, and life insurance in the Ardmore area. 

What Does Homeowners Insurance Cover?

Homeowners insurance provides a comprehensive safety net for your home, protecting you from risks that can cause significant financial loss. A standard home insurance policy typically covers the structure of your home, any attached structures like a garage or deck, and your personal belongings inside the house.

This coverage extends to damages caused by fire, windstorms, hail, and certain types of water damage, like a burst pipe.

In addition to structural coverage, homeowners insurance also includes liability protection. If someone is injured on your property or if you accidentally cause damage to someone else’s property, your homeowner’s insurance can cover legal fees and medical expenses.

Some policies also offer additional living expenses (ALE) coverage, which pays for temporary housing if your home becomes uninhabitable due to a covered loss. Reviewing your policy with a trusted agent can ensure that your coverage matches your specific needs.

Does Homeowners Insurance Cover Theft?

Yes, homeowners insurance generally covers theft, whether the incident occurs at your home or away from it. If your personal belongings are stolen, your insurance policy can reimburse you for the value of the items up to the limits specified in your policy. This coverage includes items like electronics, jewelry, furniture, and clothing. However, certain high-value items may have coverage limits, so it’s important to discuss these with your insurance agent to determine if additional coverage, such as a rider or floater, is necessary.

In the unfortunate event of a break-in, homeowners insurance can also cover the cost of repairing any damage done to your home during the burglary. This might include broken windows, doors, or locks. Reporting the theft to the police and your insurance company as soon as possible is crucial to ensure a smooth claims process.

A local agent can guide you through the process and help you understand what documentation is needed to file a claim.

The Benefits of an Ardmore Home Insurance Agent

Choosing a local home insurance agent in Ardmore, like Peterson Insurance, offers several advantages over working with large, national companies. As an independent agency, Peterson Insurance is not tied to any one insurance provider.

This independence allows us to shop around for the best policies from a variety of home insurance companies, ensuring you get the coverage you need at a competitive rate.

Being based in Ardmore means that our agents understand the local real estate market, common risks, and the specific types of coverage that might be more important for Ardmore residents.

Whether you need a new policy, want to review your existing coverage, or need help filing a claim, having a local agent you can trust makes the process simpler and more personalized.

Call Peterson Insurance for Your Free Ardmore Home Insurance Quote Today!

Peterson Insurance has proudly served the Ardmore community for over two decades, providing tailored home insurance solutions that meet the specific needs of local homeowners.

As an independent agency, we can help you find the right home insurance policy from one of many trusted home insurance companies, ensuring you get the best possible coverage at an affordable price.

Click to get a free home insurance quote online, or call to speak directly with one of our local agents about protecting your Ardmore home. We’re here to make sure you have the peace of mind that comes with knowing your home is well-protected.