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LAWTON HOME INSURANCE


Why do I need homeowners, condominium, or renter insurance?

Insurance can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced. Types of coverage's include:*

  • Dwellings and other structures
    For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
  • Dwelling Improvements, Alterations, and AdditionsLawton Home Insurance
    Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.
  • Loss assessment
    Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
  • Personal Property
    Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.
  • Personal Liability
    Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever occur.

*Only up to the limits of the insurance coverage's purchased.

What if I don't have insurance?

Without insurance, you'll be responsible for protecting your property, possessions and liability exposure.

For instance, if your house burns down or is destroyed by a tornado, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?

Something else to consider: if someone is injured on your property, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.

Available Discounts

Depending on your state, you may be eligible for a variety of home insurance discounts. Contact us to find out what discounts are available.

We currently offers discounts in these categories:

  • Occupational Groups (Doctors, RNs, Dentists, Teachers, Police, Firefighters etc...)
  • Multi-Line Discounts (Auto/Home, Home/Life)
  • Home Renovation
  • Interior Inspection
  • New Home
  • Nonsmoker
  • Protective Devices
  • Fire Safeguards
  • Age 50+
  • And more!

 

Homeowners Insurance Coverage

Your home is like no other. And our homeowners policies were designed with homeowners like you in mind, offering the coverages you want that may help you with your peace of mind. Your house, personal property and separate structures (such as a detached garage) are covered for many of the everyday risks you face as a homeowner.
In addition, as a homeowners customer you have access to a unique claims service that has been recognized by JD Power three years in a row for providing an "outstanding customer service experience." You can call for immediate assistance, 24/7, free of charge.
Best of all, you get an agent who is personal, local, and knowledgeable. This professional can answer your questions about the policy and its coverages, discounts you may qualify for, and deductibles you may choose. Most importantly, Aaron can help you in your selection of coverages that fits your needs.

Standard Coverage:

Lawton Home InsuranceProperty: Your Home

  • Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
  • Coverage for separate structures at a minimum of 10 percent of the limit of insurance you choose for your home (can be increased by endorsement).
  • Extended Replacement Cost coverage (can be increased up to 150 percent meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.

Property: Your Possessions

  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Property is covered anywhere in the world.
  • Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
  • Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

  • Covers additional living expenses up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in.
  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that is rented to others unfit to live in.

Optional Coverage:
Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.
Identity Shield
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

Specialty Home Insurance

A.D.Young Insurance Agency offers Specialty Home insurance through Foremost®, the nation's leader in specialty home insurance. Foremost Specialty Insurance is designed for homes that don't qualify for "standard" or "preferred" homeowners coverage, such as:

  • Older and lower-value homes
  • Landlord/rental properties
  • Seasonal/Vacation Homes
  • Applicants with credit and/or loss problems
  • And more!

For information about coverage options, availability, policy features and discounts, or to request a quote, click here.

Specialty Home Insurance

A.D.Young Insurance Agency offers Specialty Home insurance through Foremost®, the nation's leader in specialty home insurance. Foremost Specialty Insurance is designed for homes that don't qualify for "standard" or "preferred" homeowners coverage, such as:

  • Older and lower-value homes

  • Landlord/rental properties
  • Seasonal/Vacation Homes
  • Applicants with credit and/or loss problems
  • And more!

For information about coverage options, availability, policy features and discounts, or to request a quote, use our contact form in the upper right of this page.


Contact Aaron for more information.

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Mobile & Manufactured Home Insurance

A.D.Young Insurance Agency offers Mobile and Manufactured Home insurance through Foremost®, the nation's leader in insuring mobile and manufactured homes. With over 50 years experience insuring mobile homes, you can rest assured knowing your Foremost Mobile or Manufactured Home policy gets you access to the nation's most experienced team of mobile home professionals.

For information about coverage options, availability, policy features and discounts, or to request a quote, click here.

Renters Insurance Coverage

At A.D.Young Insurance Agency we realize that your belongings are just as important as a homeowner's belongings. Our renters policy provides coverage for your household contents and personal belongings.
Furthermore, in the event someone is injured at your place, you could be held legally liable for the injury. Our renters policy provides personal liability coverage should this ever occur.
As a customer you have access to a unique claims service that has been recognized by JD Power three years in a row for providing an "outstanding customer service experience." You can call for immediate assistance, 24/7, free of charge.
Best of all, you get an agent who can answer your questions about the policy and its coverages, discounts you may qualify for, and deductibles you may choose. Most importantly, your agent can help you choose the coverage you want with flexible payment terms you can live with.
Standard Coverage:
Your Possessions

  • You choose the amount of coverage based on the property you own.
  • Personal property is covered anywhere in the world.
  • Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

  • Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
  • Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:
Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.
Replacement Cost
Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.
Identity ShieldSM
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

 


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