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3 Benefits on Why to Use an Independent Insurance Agent

Why use an independent insurance agent
 
3 Benefits on Why to Use an Independent Insurance Agent

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

Does My Homeowner’s Insurance Cover Flooding Damage?

Does my homeowner’s insurance cover flooding damage?
Does My Homeowner’s Insurance Cover Flooding Damage?

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.

Severe Weather Preparedness, How to Protect Home & Family

Severe Weather Preparedness
Severe Weather Preparedness, How to Protect Home & Family

Severe weather season is officially upon us making severe weather preparedness a must. While most of us enjoy the excitement of tornado season, it’s also important to make sure we’re prepared. Here are some tips to prep yourself, your family and your home in the event of disastrous weather:

 

1. Take Inventory of Your Belongings

Know the value of your belongings. In the event of a claim that includes your personal property, you will need this information. Your adjuster is going to want to know the dollar value of all… Continue reading

Safety Tips on How to Avoid Distracted Driving Accidents

Distracted Driving

Safety Tips on How to Avoid Distracted Driving Accidents

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:

  1. Changing radio stations until you find a good song
  2. Checking on your baby in the back seat
  3. Grabbing a quick bite for lunch to eat on the way to your next meeting
  4. Checking on, or posting to social media accounts
  5. Texting, or even simply talking on the phone

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Time for Quick & Easy Vehicle Maintenance Tips

Time for Quick & Easy Vehicle Maintenance Tips

Time for Quick & Easy Vehicle Maintenance Tips

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

Boat Safety Tips for Boating in Oklahoma

Boat Safety Tips for Boating in Oklahoma
  
Boat Safety Tips for Boating in Oklahoma

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

Why Get Boat Insurance?

 
Why Get Boat Insurance?

Why Get Boat Insurance?

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.

Fun Fact: Oklahoma has over 200 man-made lakes. That is more than any other state in the nation!

 

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.

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What Car Insurance Coverage Do I Need?

What Car Insurance Coverage Do I Need ?

What Car Insurance Coverage Do I Need?

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:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured Motorist
  • Medical Payments
  • Rental Reimbursement
  • Roadside Assistance

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Homeowners Insurance Quick Overview

Homeowners Insurance Quick Overview

Homeowners Insurance Quick Overview
  

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.
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