Homeowner Insurance - The Peak Agency

Coverage That Protects Your Biggest Asset

Homeowner Insurance is one of the most important types of insurance to have. It protects your home and belongings in the event of damage or theft and can also provide financial assistance if you’re displaced from your home due to a covered event. Homeowner insurance policies vary, so it’s essential to work with an experienced agent to choose the right coverage for your needs.

The Peak Agency has years of experience helping homeowners find the right insurance coverage, and we can help you too.

Why You Need Homeowner Insurance

Homeowner insurance is one of the most important types of insurance for people to have. Homeowner insurance protects your home and possessions in the event of damage or theft. It also provides liability coverage if someone is injured on your property. Lenders typically require homeowner insurance when you purchase a home, but it is a good idea for all homeowners to have this type of coverage. Ask your lender about homeowner insurance requirements if you are a first-time home buyer. If you are already a homeowner, you may consider increasing your coverage or adding additional coverage options, such as flood insurance, to your policy. Homeowner insurance can give you peace of mind knowing that your home and belongings are protected.

Homeowner Insurance Policy Coverages

Homeowner insurance is a type of insurance coverage that helps protect your home, belongings, and finances in the event of damage or theft. It typically includes the following:

  • Property damage coverage helps to repair or replace your home if it is damaged by fire, weather, or another covered event.
  • Personal property coverage protects your belongings if damaged, destroyed, or stolen.
  • Jewelry coverage helps to repair or replace your jewelry if it is lost, stolen, or damaged.
  • Personal liability coverage protects you if you are sued for damages resulting from an accident on your property.
  • Medical bill coverage helps to pay for your medical expenses if you are injured in an accident on your property.
  • Additional expenses coverage helps to pay for additional living expenses if your home is uninhabitable due to damage from a covered event.

Homeowner insurance policies typically have a deductible, which is the amount that you will need to pay out of pocket before your insurance benefits kick in. Make sure to shop around and compare different policy options to find the best coverage for you and your family.

Risks NOT COVERED by Homeowner Insurance

Homeowner insurance policies vary greatly, so it’s important to carefully read your policy and understand what is and isn’t covered.

Most standard policies will not cover damage from earthquakes, flooding, or nuclear hazards. If you live in an area at high risk for any of these events, you may be able to purchase additional coverage. Standard homeowner insurance policies typically do not cover maintenance issues like termite damage, rodents, mold, or general wear and tear. However, you may be able to purchase a separate policy that covers these types of risks.

As a result, it’s important to be aware of your area’s potential risks and ensure you have the coverage you need to protect your home.

Few Tips to Save on Your Homeowner Insurance Premium

If you’re looking for ways to save on your homeowner insurance premium, here are a few tips:

  • Bundling your home and auto insurance with the same company can often give you a discount.
  • Many companies also offer safety discounts for things like smoke detectors and security systems. 
  • If you’re buying a new home, remember that new construction is usually cheaper to insure than an older home.
  • Paying your premium in full rather than monthly installments can often give you a discount.

So consider these tips when shopping for homeowner insurance, and you could save yourself some money.

Get Your Quick FREE Homeowner Insurance Quote Today!

Homeowner insurance is one of the most important types of insurance to have. However, with so many different policy options, it can be difficult to know which one is right for you.

At The Peak Agency, we can help you tailor a policy to fit your needs and budget. We’ll work with you to assess your risks and determine your proper coverage limits. So whether you’re looking for basic protection or comprehensive coverage, we can help you find the right homeowner insurance policy. Contact us today at 405-332-5568 to get started.

Why Choose The Peak Agency For Your Homeowner Insurance?



We have years of insurance experience helping clients prepare for the unknown.



We are are a no pressure, no hassle company who gets you covered efficiently for your insurance needs.



We provide a personalized business or individual assessment and help protect your hard-earned assets.



This will protect you and your vehicle in the event of an accident.  It can help cover repairs, or replacement costs if your car is totaled. Some policies even cover rental cars.


This type of policy that protects the assets and business operations of individuals or organizations. It can help with covering physical property such as buildings, etc.


This helps protect your home, family, and valuables from damage or theft. A standard homeowners policy will cover you for major structural damages like fire and burglary.


This protects in case there are any accidents at an oil field, on production equipment near natural gas fields, and even during transportation for personnel.



Our Location

1209 S Main St
Stillwater, OK 74074

Email Us Now