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In the state of Oklahoma, this coverage pays for injuries only to the insured or insured passengers if the other person is at fault and either has no liability or enough liability to cover your injuries.

With a "total loss," the insurance company will generally pay a depreciated value for the roof less the deductible. However, when the roof is replaced (usually within 180 days), the company will repay the depreciated amount to the insured.

Insurance policies are issued on a replacement basis and do not take into account market value. If replacement is chosen for the policy, the cost to rebuild is figured and becomes the insurable amount. If actual cash value is chosen, the amount insured is determined by replacement less depreciation.

General Liability covers liability for injuries in the workplace caused by the insured. It is sometimes referred to as the "slip and fall". Professional Liability covers damages, either physical or property, cause bt and insured profession.