Personal Insurance

Homeowner Insurance Product - HO3

American Risks Homeowner Insurance Products for Oklahoma Residents

• Replacement Cost on Dwelling and the broadest coverage of perils we offer subject to conditions and exclusions
• Coverage for your roof on an actual cash value basis.  Replacement cost can be purchased for contents.
• Coverage for your personal belongings on an actual cash value basis. Replacement cost can be purchased for contents.
• Legal Liability protection for Bodily Injury or Property Damage to others, subject to policy limitations.
• Additional living expenses if you are temporarily unable to live in your home because of an insured peril.
• This policy is subject to our Home Inspection Agreement.

Homeowner Discounts

(Homeowner Discounts for Oklahoma Residents)

• New Purchase
• Newer Home
• Preferred Customer
• Senior Citizen / Retirees
• Hail Resistant Roof
• Central Station Monitored Fire Alarm
• Central Station Monitored Burglar Alarm