Today, there are so many choices when it comes to purchasing insurance. So why use an independent insurance agent? Whether you call a 1-800 number to get a quote in “5 minutes or less,” or shop around at agencies in your hometown, it’s safe to say, you have your options. And those options can be very overwhelming. Independent Insurance Agents can make the process a lot easier. Continue reading
Have you asked yourself ,“Does homeowner’s insurance cover flooding damage?” After the recent torrential rain we have experienced in Oklahoma, most people have wondered just that. Unfortunately, the answer is “No”. Most standard homeowner policies provide no coverage for flood. If you’re not properly protected, this could leave you in dire straits.
According to the National Flood Insurance Program (NFIP), everyone lives in a flood zone. Even if you do not live near water, your home could flood due to excess rain, levee or dam breaks or a water main break.
- If… Continue reading
Did you know that April is National Distracted Driving Awareness Month? There are several things that can turn us all into distracted drivers. Know what they are and avoid them yourself. Notice distracted drivers and practice defensive driving before there is a problem.
5 Common Distracted Driving Activities:
- Changing radio stations until you find a good song
- Checking on your baby in the back seat
- Grabbing a quick bite for lunch to eat on the way to your next meeting
- Checking on, or posting to social media accounts
- Texting, or even simply talking on the phone
Vehicle maintenance is an important part of owning a car. As a vehicle owner, you know that oil changes and oil filters need maintenance. As miles add up, other car parts wear as well.
- What is needed?
- When should you get things checked?
Keeping your car in tip-top shape keeps you safe, saves on gas and repairs. Prevent wear and tear to your vehicle. Get the answers, follow these tips and start setting up your maintenance schedule. Continue reading
Business insurance, just like any insurance, comes in a variety of shapes and sizes. It is easy to understand why entrepreneurs and business owners find themselves asking which insurance they need.
Boat safety and Oklahoma may not seem to be words one would find together in a sentence, but here they are and for good reason. We’ve put together a few tips, resources and facts to help you keep you and yours safe.
Though landlocked in the middle of the United States, Oklahoma has shoreline equal to more than half of the entire nation’s coastal shoreline. Thanks to its many lakes and ponds, Oklahoma has 55,646 miles of shoreline. Additionally, all of Oklahoma’s lakes and ponds put together contain just over… Continue reading
You are a safe boater so why get boat insurance? While you are being safe, others are speeding along, not paying attention and, yup, probably drinking. Boat insurance is about protecting yourself, your passengers and your property.
Does Oklahoma Require Boat Insurance?
While Oklahoma does not require boat insurance, they do require boaters get training and register their boat. Good news for non-motorized canoes, kayaks, and paddle boats came with a law change in 2012 giving owners the option not to have to register or purchase a title.
It is a question we all have asked – “What car insurance coverage do I need?”. The answer varies depending on the individual. Everyone is required to carry state minimums but that may not be enough. You need to talk to an insurance agent to determine the right amount of coverage for you. Here are some things to keep in mind when having that conversation.
Auto Insurance Includes:
- Uninsured Motorist
- Medical Payments
- Rental Reimbursement
- Roadside Assistance
What does a Homeowners Insurance Policy cover?
Coverage varies but it starts with insuring the home itself, many items in the liability and homeowners insurance. A general homeowners insurance policy doesn’t cover everything. Add on policies expand coverage to include such things as identity fraud and water backups. Yes, water back up is not part of a basic homeowners insurance policy.
Preventative home maintenance done on a regular basis, can help save your home from any costly damages or repairs that may come later on in the life of the home. Here are some steps you can take to protect your home and yourself from those costly things.
- January: Clean the condenser coils behind and beneath your refrigerator. This is to help keep your unit cooling efficiently.
- February: Inspect grout and caulk around sinks, bathtubs and showers, just to make sure that any repairs can be made or replaced.
- March: Replace all the batteries and test smoke and carbon monoxide detectors in all areas of the home.
- April: Clean rain gutters and make sure the downspouts drain away from the foundation. Continue reading