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Renewal Review: Norman, OK Home Insurance Quotes

When you have a home insurance policy, it’s easy to get complacent. You have your coverage and you’re used to paying your premiums. But being complacent isn’t good when it comes to your home insurance coverage. Failure to review yearly could mean leaving a lot of money on the table for you and your family.

It’s best to take a yearly inventory of your insurance needs. Have your coverages changed? A lot can happen in a year — you can add members to your family, get married, acquire jewelry, move or change jobs. All of that can lead to needing different coverage. If you don’t take time to look at what type of coverage you need every year, you can find yourself in a tough spot when an loss happens and you aren’t properly covered.

Even if your coverage needs haven’t changed, prices might. It’s good to call your Independent Insurance Agent and ask him/her to make sure you are getting the best deal on your Norman home insurance and/or your Norman car insurance  — perhaps you’re paying too much for certain coverage.

It’s best to talk with your agent about your coverage needs and price once a year. Just because you see a lower price elsewhere doesn’t mean you have to jump on it — discuss it with your agent and figure out what’s best for your needs.

Statewide Insurance Agency serves the entire state of Oklahoma; however, we enjoy an extra special relationship with our home insurance and car insurance customers in the Norman, OK area!  Remember….we search multiple companies to find the right one for you!

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Protect your personal assets from others by purchasing Liability Insurance!  #mostimportantcoverage

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Saving $$$ on your car insurance may be as simple as finding the company that really wants and values your business!

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Do You Own Rental Property

Click and hear what Trevon Nix has to say about Landlord’s Insurance. #ProtectYourHome #LandlordsPolicy

Happy Labor Day Weekend

Labor Day Weekend @okstatewide

Just a friendly reminder that our office will be closed Monday, September 5th! Enjoy your Labor Day Weekend.

Does Your Car Insurance Pay For a Rental Vehicle

 

What does Rental Car Reimbursement cover? Trevon Nix, an Independent Insurance Agent with Statewide Insurance Agency in Edmond, Oklahoma, would like to share some benefits of having this coverage added to your car insurance policy. 

Personalized Insurance Quotes

When generating a personalized home insurance quote for all Oklahoma residents, we take into account several standard aspects of your home and deductibles to find a starting price point. However, we also look at a few other factors when determining your home insurance premium.

Custom Quote @okstatewide

 

The Structure of Your Home

What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.

 
Your Insurance Score

Insurance companies actually use “Insurance Scores” rather than “Credit Scores” when rating for for your home and auto insurance. Each company has their own proprietary formula for calculating an Insurance Score; however, based upon our experience, we find that Credit Scores (such as those through TransUnion) are usually similar to Insurance Scores. 

 
The Structure of Your Home

What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.

 
The Age of Your Home

Newer homes that have been built with the current safety codes and better building materials may mean lower insurance premiums than their older counterparts that were built with outdated security measures and older structural materials.

 
The Emergency Response Team Nearby

Many homeowners don’t realize the effect of their town’s fire station on their home insurance premiums. If your home is close to a fire hydrant, near an adequate fire station, and has a higher quality emergency response team you may be eligible for lower premiums.

It is important to understand how your house can affect your homeowners insurance premiums. If you have any questions or wish to speak with one of our agents, please contact us today to review your policy.