Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Home Insurance for Kansas and Oklahoma
Buying a home, be it a starter home or your dream house, will cost you a lot of money. You want to be able to protect that property (not to mention the people and possessions inside) for as long as you live there. Homeowners insurance is the affordable investment that will provide invaluable protection to all property owners.
Eitzen Agency has provided thousands of Oklahoma and Kansas residents with quality home insurance solutions that always meet the mark when it comes to both effectiveness and affordability. Our priority is to make sure that you get the plan that both comprehensively protects you and easily fits your budget. We provide every client with easily accessible policy services that will keep your family safe in the best possible ways.
Common Home Insurance Questions
What Does Home Insurance Cover?
Unexpected household accidents—fires, severe weather, break-ins, vandalism, injury lawsuits—could strike at any time. The one thing these hazards have in common is that they could all be expensive.
If you have home insurance, then you won’t have to worry about where this money will come from when you try to pick up the pieces. By filing a claim against your policy, you’ll receive financial assistance that can help you afford the costs necessary to rebuild and move on with your life.
How Much Home Insurance Do I Need?
Because all homes and their occupants are different, they each need personalized home insurance. This will require attention to detail, and to get the most-appropriate coverage you will need several different benefits. These include:
Structure protection: Insures your house in case of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property like fences, carports, gazebos and detached garages will have coverage.
Possessions insurance: Pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
Additionally, you will often need to carry special policy endorsements or buy supplementary plans to increase your protection. Some of your expanded coverage options might include:
Sewer & Water Backup
Policies can be customized to fit homes of all shapes and sizes, so whether you own a condo, mobile home, rental property or high-value home, we can tailor your plan to fit your needs.
All of our plan options offer a diversity of deductible and coverage limit options, so you can ensure that you optimize the potential settlement you receive for a claim. In the end, the right plan will make sure that you won’t receive inadequate compensation in case of even a substantial loss.
When Should I Buy Home Insurance?
Your need for homeowners insurance starts on day one. Therefore, you should have your policy take effect as soon as you sign the papers to close the deal. Indeed, most mortgage lenders will require you to buy home insurance before they will approve your loan application. As a result, buying coverage will probably be a critical step to take to make your dream of home ownership come true.
Still, even if you don’t have a home insurance requirement or have paid off your mortgage, you need to keep home insurance active. It will protect your property indefinitely against the hazards that you can’t always predict, but that can always prove costly.