Does my home insurance in Oklahoma cover liability if my dog bites someone?

One of the most common questions here at Hexis Insurance is whether or not home insurance policies in Oklahoma City, OK include liability coverage if a dog the policyholder bites someone. The answer, unfortunately, is not a simple one. It depends on various factors, including the breed of dog, the severity of the injury, and whether or not the dog has a history of aggression. 

What Steps To Take For Liability Coverage In Case Of A Dog Bite

You first need to check your policy documents to see if there are any exclusions for dog bites. You should be covered up to your policy limit if no exclusions are listed. However, you may have limited coverage or none if your dog is considered a "dangerous breed," such as a Pit Bull, Doberman Pinscher, or Rottweiler. 

Even if your insurance company doesn’t specifically exclude dangerous breeds, they may still deny your claim if your dog has a history of aggression. That’s why it’s so important to be honest and upfront when you’re applying for home insurance. If you disclose that your dog has bitten someone in the past, your insurer may still offer coverage but at a much higher premium. 

Contact Us Today

If you’re wondering whether or not your home insurance policy in Oklahoma City, OK will cover liability if your dog bites someone, the answer isn’t cut and dry. It depends on things like the breed of your dog, the severity of the injury, and whether or not your dog has a history of aggression. The best way to find out for sure is to check your policy documents and speak with your agent at Hexis Insurance.

What OK residents need to know about protecting their homes from weather-related damage

Hexis Insurance is the agency that the greater Oklahoma City, OK community relies on for all of its insurance needs. If you have questions about the available home insurance policies that are available in our area, give us a call today to learn more. We look forward to working with you! 

Keep your home safe from weather-related damage

Stormy weather can cause a lot of damage to your home if you aren’t prepared. When it comes to getting your home ready and protecting it before a storm hits, there are a few common-sense tips to follow. The most important thing to focus on is your roof. Making sure that there aren’t any loose or damaged shingles before a storm can help to prevent a lot of damage. Having a well-maintained roof can also protect your home from future flooding.

Next, be sure that all of the landscaping around your home is trimmed and properly cared for. Loose tree limbs and shrubbery branches can cause a lot of damage if they come loose during a storm. You will also want to avoid having any other objects become projectiles. This includes patio furniture and any decorative ornaments that you may have in your yard or garden.

By keeping your house and yard well-maintained throughout the year, preparing for an upcoming storm will be straightforward and easy to do. Make sure that your homeowner’s policy is up to date, too! Now is a great time to upgrade your policy. 

We look forward to working with you!

Residents in the greater Oklahoma City, OK area rely on the team at Hexis Insurance for all of their insurance needs. If you need insurance, we can help! Call or stop by our office today.

Home Insurance Tips for First-Time Buyers

Owning your first home is an exciting time. It’s a big step – both financially and emotionally. But along with the pride and satisfaction that comes with being a homeowner, there’s also a lot of responsibility. One of the most important things you need to take care of is making sure your home is properly insured. Hexis Insurance in Oklahoma City, OK provides a few tips to help you get started. 

Home Insurance Tips for First-Time Buyers

1. Ensure You’re Covered for the Right Amount

The first thing you need to do is make sure you’re insured for the right amount. That means having enough coverage to rebuild your home from scratch if necessary. The best way to determine the right amount of coverage is to get a professional home appraisal. Once you have that, you can work with your insurance agent to ensure you have the right coverage.

2. Choose the Right Coverage

There are two main types of home insurance coverage – named perils and all risks. Named perils policies cover damage from specific causes, such as fire or theft. On the other hand, all-risk policies provide coverage for any type of damage (with some exceptions) regardless of the cause. Which type of policy is right for you will depend on several factors, including the age and condition of your home, your location, and your personal preferences.

3. Consider Getting Additional Coverage

In addition to the standard home insurance coverage, there are also several optional riders or endorsements you can add to your policy. These can provide extra protection for things like jewelry, art, or collectibles. They can also cover things like sewer backup or flooding (which are not usually covered by standard home insurance policies). Talk to your insurance agent about which riders or endorsements make sense for you.

 

Give Us A Call

As you can see, there are a few things you need to keep in mind when it comes to insuring your first home. Hexis Insurance in Oklahoma City, OK can help you make sure you have the right coverage for your needs. Give us a call today to learn more.

Home Insurance Policy Mistakes To Avoid

Hexis Insurance is an independent agency. We are committed to helping Oklahoma City, OK residents find the coverage they need to protect their assets. We offer our clients multiple types of policies to ensure that they are covered regardless of what life brings their way. Searching for the right insurance can be complicated at times. Hexis Insurance is here to simplify the process for you.

Home Insurance Policy Mistakes To Avoid

Home insurance provides coverage to your Oklahoma City, OK residence. The policy covers both the interior and exterior of your home against possible damage. Natural disasters may occur in Oklahoma occasionally. Home insurance covers your property if it is damaged due to a natural disaster. The policy also covers any damage to your personal items inside the home. Liability coverage is another significant part of your policy. Liability coverage protects you if you accidentally damage someone’s property or if one of your friends gets injured on your property. While looking over your home insurance policy, avoid these common mistakes.

Failing To Take Inventory

Taking inventory is important because it allows you to verify all of your possessions inside the home, and it makes the process run smoothly if you are a victim of theft in the future.  You want to avoid any complications regarding a lost or stolen item.

Failing To Perform Proper Maintenance

You have to take care of your home. If your home starts to suffer damage because you aren’t taking proper care of your home, your insurance may not cover the necessary repairs. Common issues where you may be left unprotected include mold development or rodent/termite damage.

Failing To Plan For Renovations

If you plan to make renovations to your home within the next 5-10 years, make sure that you amend your policy so that you will continue to have full coverage.

Hexis Insurance Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

What You Need to Know About Home Insurance

Homeownership has long been an important part of the American Dream. Purchasing your home, however, is not all that is needed to provide the safe and secure home your family deserves. Home insurance is an important type of insurance coverage we can provide at Hexis Insurance, serving Oklahoma City, OK. Keep reading to learn more about our services. 

Why Is Home Insurance Important?

Your home will most likely be one of the bigger investments you will make in your life. The best way to protect this investment is through proper home insurance. If you have a mortgage on your home, it is very likely that home insurance will be required by the mortgage company. This provides protection for both you and the mortgage company to make sure that everyone’s investment is protected. 

If your home is damaged or lost through fire, natural disaster or burglary, your home insurance policy will pay for your home to be repaired for replaced. Having this type of protection in place helps your family remain secure even if tragedy strikes. 

Repairing or replacing your home out of pocket can cause a great financial burden on your family. In addition to the financial strain this can cause for a family, this type of event could also cause a great deal of emotional strain and distress as well. Home insurance provides both financial stability and protection as well as peace of mind knowing you will always be able to provide a home for your family. 

Home Much Coverage Do I Need?

In order to understand exactly how much home insurance coverage you need, you will want to sit down with an insurance representative to discuss your particular situation. 

If you would like to learn more about our services, please contact us at Hexis Insurance, serving Oklahoma City, OK.