An item falling from the sky — Damage caused by “falling objects,” which include items falling from the sky, is usually covered.

Illness caused by food — If you host a dinner party and one of your guests becomes ill, your homeowner’s insurance may cover you.

Children in college — If you have children in college, their personal property is usually covered up to a certain amount.

Bites from dogs — Dog bites are generally covered, so if your family pet bites someone, your homeowner’s policy will most likely protect you. However, many insurance companies keep a list of “high-risk” breeds that are not covered by standard policies.

In 1989, Oakwood’s founder, Bruce L. Sogn, set out to establish a business that would give him the opportunity to serve the community and to fulfill a need in the marketplace. Today as an independent insurance agency, Oakwood does just that.

After researching the insurance industry, he found that by becoming an independent insurance agent, he could offer a comprehensive range of insurance products and services to his clients. By maintaining focus on competitive products, Oakwood has kept its commitment to service, professionalism, and the highest integrity.

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