in Oklahoma city
About our Home Insurance
At Thomas Baste Insurance, we provide homeowners in Oklahoma with competitive, comprehensive coverage that is tailored to any individual needs. Our team goes the extra mile for clients by offering a personalized service and offering a range of online servicing options that make managing your insurance easy and hassle-free.
Our team of home insurance professionals is here to help answer your questions and do the necessary work to get you the best home insurance in Oklahoma.
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Choosing the right homeowner’s insurance policy
As your local insurance broker in Oklahoma, we’re here to guide you through the range of home insurance options. We’ll explain the differences between Actual Cash Value, Replacement Cost, and Guaranteed Replacement Cost policies, and we’ll also ensure you have a clear understanding of how your home insurance premiums will be impacted by each of these choices.
There’s a good chance you will have heard about HO1-HO8 policy options for home insurance. This gives you eight potential options to choose from. Most of these policy options are specialized, so once we understand a little more about the type of home insurance you need, along with the property, we can filter out many of these options for you.
The type of property you want to buy home insurance for, is going to be the biggest factor. For instance, if you want insurance for a condo or a manufactured property, then your home insurance options will be different from those who want to buy insurance for a ‘traditional’ home.
Our team will talk to you about the types of dangers you want to be covered against. We will also discuss your coverage limits, your deductible, and whether or not you want a home insurance policy that covers the actual cash value of your property, or the replacement cost value.
At Thomas Baste Insurance, we can help you understand the type of insurance you need to buy. When you buy home insurance, you have lots of options. Our team is here to guide you through these options and make the process of getting your Oklahoma home insured as straightforward as it can be.
We’re here to help, and we look forward to hearing from you soon.
As you can appreciate, there are many options to consider when you buy insurance for any vehicle. At Thomas Baste Insurance, we’re here to talk you through these options, and to help you understand which type of coverage is most suited to your needs. Our ultimate goal is to help you make an informed decision by giving you easy to understand insurance quotes and clear explanations for each option that is relevant to your individual needs.
What factors can influence the cost of homeowner’s insurance in Oklahoma?
The average cost of a homeowner’s insurance policy will vary from year to year. However, there are a number of key factors that impact the cost of insurance, and that are used by insurers to determine your rate of insurance and assess the risks.
- Property construction
- Property location
- The age of the building
- Whether or not there is a swimming pool or trampoline
- If you run a business from your home
- The type of coverage you want
- The amount of coverage you need
- The replacement cost of rebuilding the property
Our insurers also provide discounts on home insurance for new homes, alarm systems, home/auto bundles, claim-free records, and more.