Oak Trust Insurance

When you purchase a homeowner’s insurance policy, you’re protecting one of your most valuable assets: your home. While many people understand that their policy covers damage to the structure of their home and their personal belongings, not everyone is familiar with the “Loss of Use” coverage. This lesser-known aspect of homeowner’s insurance can be crucial […]

Over the past few years, many homeowners have noticed a significant rise in their home insurance premiums. While this can be frustrating, understanding the underlying reasons for these increases can provide valuable insight into the broader trends affecting the insurance market. Here’s a closer look at the key factors contributing to the rising cost of

Living on the picturesque Mississippi Coast offers many advantages, from beautiful beaches to a vibrant community. However, it also means being mindful of the unpredictable nature of hurricane season. As a homeowner, one of the most crucial aspects of preparing for this time of year is ensuring your property is adequately covered by homeowners and

When it comes to safeguarding your home and belongings, having the right insurance coverage is crucial. One essential step to ensure your home insurance policy is accurate and effective is conducting a thorough home inventory. A home inventory is a detailed list of your personal belongings, which helps you assess the value of your possessions

When it comes to safeguarding your home and possessions, homeowners insurance is a vital tool. However, understanding the intricacies of your policy can be daunting, especially when it comes to terms like “extended replacement cost.” So, what exactly is the 25% extended replacement cost in a homeowners policy? Firstly, let’s break down what replacement cost

In the realm of homeowner’s insurance, there’s one often overlooked but crucial aspect: flood insurance. Many homeowners, especially those residing in areas not traditionally prone to flooding, might dismiss the necessity of such coverage. However, the truth is that floods can happen anywhere, at any time, and the consequences can be devastating. In this blog,

When it comes to choosing an insurance carrier, consumers are often faced with a myriad of options. Amidst the sea of choices, one crucial factor often stands out: the AM Best rating. But what exactly is an AM Best rating, and why is it so important? AM Best is a global credit rating agency specializing

As homeowners, we often find ourselves navigating the complexities of insurance policies, deciphering terms and conditions that may seem like a labyrinth of legal jargon. One such aspect that warrants our attention is the Ordinance of Law coverage, a crucial component of homeowners insurance that is often overlooked. In this blog, we’ll delve into what

Wind damage can be a significant concern for homeowners, especially in areas prone to hurricanes, tornados, and other high-wind events. Recognizing the financial risks associated with wind damage, many insurance companies have introduced wind deductibles into their home insurance policies. This blog post will demystify wind deductibles, helping you understand how they work and what

Homeownership is a significant milestone that comes with its set of responsibilities, one of which is ensuring your home is adequately protected. While standard home insurance policies provide a safety net for various risks, there are specific perils that are often overlooked, underinsured, or not covered at all. One such peril is water damage resulting