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.