When you live in Oklahoma, you need home insurance designed to protect your greatest investment from anything that Oklahoma can throw at it. From fires to floods, grapefruit sized hail to tornadoes, ice storms to earthquakes, we tend to see it all in Oklahoma. Beyond weather, homeowners insurance is designed to protect you against other losses too. These include your possessions, loss of use of your home, medical and liability coverage should something happen to others in your home.
No one likes to buy insurance, much less pay more than they have to. Yet when it comes to protecting those you love and care about, insurance only matters in the moment of truth - when something happens. That's not the time to learn that an extra $10 a month could have saved you thousands in repair costs or medical bills. The licensed professionals at TrustPoint Insurance work with you to determine the type of coverage that fits your lifestyle and needs. Auto insurance coverage shouldn't be a mystery, so we'll do all we can to provide you with the information you need to understand your options and make informed decisions, allowing you to balance the right coverage and cost. If you drive for Uber or Lyft, you'll want to make sure you have the right coverage to protect yourself and your passenger. Contact us to understand your risks.
Earthquakes happen in Oklahoma and when they do, they can cause significant damage to your home and property. Insurance coverage for earthquakes varies greatly, so it's important to understand your risks and which policies will offer you the greatest coverage and peace of mind. As an independent insurance agency, Trustpoint Insurance is able to offer choices for earthquake insurance, not just a one-size-fits-all solution.
In June 2010, over 11 inches of rain fell on the Northern area of Oklahoma City in about 12 hours. The rain had nowhere to go and quickly spilled over creek banks onto roads and into neighborhoods. Over 40 homes were damaged by flood waters that climbed as high as their window sills. Roads were washed away and even a bridge was closed because floodwaters created a new path around the bridge. Most of the flooded homes did not have flood insurance because they lived in a low risk area. Homeowners insurance doesn't cover floods, so the homeowners were responsible for replacing their belongings and repairing the many thousands of dollars of damage out of their own pockets. After the skies cleared, meteorologists said this storm set a record for the heaviest 1-day rain in Oklahoma City history.
Personal Liability (Umbrella) Insurance
Personal liability insurance is often referred to as umbrella insurance because it provides excess insurance above what is covered by primary policies like auto or homeowners insurance. In some cases an umbrella policy may cover the exact same things as the underlying primary policy but allow for increased liability limits. For instance, if your auto insurance policy provided $250,000 of liability coverage, a $1,000,000 umbrella policy would increase your total coverage to $1.25 million. Sounds like a lot, but what happens if you drive a $25,000 vehicle and are at fault for an accident that totals a $750,000 recreational vehicle? Your auto insurance policy would only cover part of the damage to the RV. Without umbrella coverage, you could be held personally responsible for the difference. In addition, umbrella policies often include coverage that pays for attorney's fees and defense against lawsuits for slander and libel.
Renters insurance is an affordable way to cover your belongings and help pay for unexpected expenses. In addition to your belongings, renters covers other people's injuries at your place, certain lawsuits against you, and more. Without renters insurance, you'd have no protection/coverage for these situations. For example, if someone steals all your stuff, your landlord won't cover anything. Everything would be 100% on you. That could cost tens of thousands of dollars, as the average renter has $30,000 worth of belongings, according to ASI, one of our network renters insurance companies.