Author Archive for Von Nix

Getting a Home Inspection and Finding Homeowners Insurance

Buying a home is very exciting, but can also be somewhat overwhelming. The amount of paperwork alone is enough to stress out even the most even keeled person! Despite your long to do list, two of the most important steps are getting a home inspection and setting up homeowners insurance.

  • Inspection: This step is very important and is often required by your mortgage company. While you feel as if you’ve looked over every inch of the house, a licensed inspector will check wiring, city codes, the top of the roof, major appliances, and many other things that they are specially trained to check.

 

  • Insurance: Another very important step that is also required before you close on your new home. You want to make sure you find an affordable premium, and you also want to make sure you’re working with a reputable and trustworthy company. Here at Statewide Insurance, we currently represent and offer quotes from over 10 different companies. By doing this, we can find the best company and coverage for you. You can always get a quote online, here.

Completing these two steps will help your home buying process go smoother and faster and will ensure that your home owning experience is a great one! For any other homeowners insurance questions, reach out to us and we’ll be happy to help.

Get a quote

Needing a quote for your home and/or auto insurance? Get one here! We currently represent and offer quotes from 10 different companies. By doing so, we are able to find the company that is best for you. In addition, we only represent companies that have an “A” Rating through A.M. Best Company.

Happy New Year!

Wishing you all the best in 2019. Happy New year!

 

 

Our agency has represented Safeco Insurance as an Independent Insurance Agent for the past 9 years.  We represent many home and car insurance companies but Safeco is our largest.  In a typical year,  they payout out over $1M to our customers in home insurance and car insurance related claims.  Safeco Insurance pays all of our customer’s claims quickly and fairly and is very easy to do business with!   So why are you seeing negative reviews on the internet??

The Biggest Reason:  Lead generation companies that sell home and car insurance leads to insurance agents are cleverly disguising their objectives by hosting insurance review sites that offer customers a place to voice their opinion.  Unhappy customers are 10 times more likely to want to share their story than a satisfied customer making it easy to provide a forum for, and attract, unhappy customers.   Their objective is to create doubt about the company you are looking at so that you will be more likely to get a quote from them or the advertiser on the site.

How do you know if a site is trying to manipulate you with fake reviews?  This one is easy…. if the review site is trying to offer you a quote or if it has advertisers on the site trying to entice you to get a homeowners insurance quote, you are probably being manipulated.  If you are not being asked to get a quote, there is a much higher probability that the site is legitimate.  Keep in mind that Safeco and other nationwide carriers are very large.  They pay out hundreds of millions of dollars each year and some consumers are not going to be happy with the settlement of their claim…..which brings me to my last point…

Why are some consumers dissatisfied with their claim payment (regardless of the company)?  Again, I think this question is pretty easy….there are 3 reasons:  First, the agent that sold the policy failed to explain the coverages in an understandable way or the agent didn’t understand them will enough himself/herself to explain them.   Second, the agent sold lesser/inferior coverage just to make the sale.  Lastly, the consumer didn’t ask enough questions to understand what he/she was buying and/or the consumer doesn’t have the legal, technical expertise to interpret the written policy contract.

Violation of the written insurance contract leads to bad faith lawsuits that will cost an insurance company dearly.  Any competent attorney will take this type of case if the contract has been violated.  My point is that insurance companies rarely violate the written contract and so the problem goes back to consumers not knowing what they have purchased due to the shortcomings of the agent or their failure to do their due diligence in shopping.

Von Nix, Chartered Property and Casualty Underwriter

 

Home Insurance Quotes Guthrie


Why do home insurance and car insurance consumers in Guthrie choose Statewide Insurance Agency in Edmond?

The answer is Guthrie Area consumers are usually referred to us by family and friends that know and value what we have to offer….we respond quickly (phone and email), we only sell for dependable companies that pay claims without hassles, our experienced staff makes few mistakes and we are able to shop multiple companies to find the best home insurance and auto insurance package for you.

Travelers_Safeco Insurance A Liberty Mutual Company_Progressive_MetLife_Mercury Insurance_Foremost Insurance Group_American Modern_Hagerty InsuranceIf what you value is integrity, great service, stability, low prices and professional advice, please consider us as your need for home insurance quotes and car insurance quotes arise.  Here is where you can get a no-obligation quote for your home insurance needs.

10 Steps to a Safer Home

 

A safe home is essential for protecting your family, but safety stems from more than just alarms and cameras. Security products are an important piece of the safety puzzle, but the glue that holds the puzzle together is practicing safety protocols. Unless your whole family knows how to use security equipment and routinely trains for potential hazards, you may not be prepared when you need it most. Try the following tips to maintain a safe home:

1. Smoke alarms: If you don’t already have them, install smoke alarms in every room of your home. Most models chirp when the battery is running low, but if you’re on vacation when a unit chirps and it dies before you return home, you may never know that you’re unprotected. Make a new habit of manually checking the batteries on every smoke alarm in your home at least every three to six months. Take your security a step further by planning a fire escape route with your family so everyone knows the safest way out.

2. Lighting: Outdoor lighting can be an effective method of deterring theft, especially motion-sensor lighting. Thieves prefer to burgle homes that provide hiding spaces, such as lush foliage and darkness. Apart from theft deterrent, lighting indoor and outdoor areas such as stairs and foyers can prevent you and your family from tripping in the dark.

3. Locks: Many thieves enter a home through an unlocked door or window. Always lock all doors and windows when leaving the house and when sleeping. Dead bolts can be installed on main entrances as an added precaution.

4. Glass break detectors: Consider purchasing glass break detectors and installing them on your lower level windows. These inexpensive devices emit an alarm if windows are broken, which can scare thieves away.

5. Security alarm: Security alarms are a pricier, yet effective method of theft deterrent. Security companies will alert the proper authorities if your home is broken into, which offers peace of mind while you’re away. If this option is too much of a stretch for your budget, you can get a fake (yet realistic!) yard sign and/or window sticker advertising that your home is protected by a security company.

6. Security cameras: Cameras can help you monitor the happenings in and around your home, which includes keeping a watchful eye on pets, children and nannies. If a thief breaks into your home, the video footage may be what helps the police catch the culprit. Again, if this option is too expensive, you can get dummy cameras to scare away thieves.

7. Poison hazards: Children will put anything in their mouths, from fingers to toys to harmful chemicals. All medications and cleaning products should be kept in child-proofed cabinets, out of reach of small children. The same should be done with breakable and sharp objects that may harm curious little fingers.

8. Cooking hazards: Kitchens are the most common place for fire ignition in a home. Always cook with caution and keep a fire extinguisher nearby. Turn pan handles inward to avoid accidental spills, keep towels and other flammable items away from heated appliances and never leave cooking food unattended. If you have young children, explain to them that they must stay at least three feet away from the stove or oven when in use for their own safety.

9. Tripping hazards: Loose wires and clutter can cause trips and falls, which are the leading cause of home injuries. Walk around your home periodically to check for such areas and take the necessary steps. Coil wires neatly against the wall, use no-slip mats under rugs, tidy up your children’s toys, etc.

10. Social media announcements: Avoid announcing your vacations online. Anyone can interpret this information as an opportunity to rob your home. In fact, you want your home to maintain that lived-in look at all times. Ask a trusted neighbor or friend to collect your mail while you’re away and use motion-sensor lights indoors to make it seem like you’re home.

Not only are these safety measures good for the overall wellbeing of you and your family, but safe homes may be eligible for lower insurance premiums or discounts. Ask your agent if you qualify today.

Happy Thanksgiving!

Saving Money on Auto Insurance

When consumers in Oklahoma City and Edmond get car insurance quotes, they expect great service with a low price. The tips below are good but I really like the video tips…

This video includes 5 simple steps to saving money on auto insurance. We’ve also included more tips for getting lower car insurance quotes below. Video: http://youtu.be/kvDlRSN3nG0

Shop Around – The easiest way to save on high risk auto insurance is shopping around. Obtain as many auto insurance coverage quotes as possible. Since there are a myriad of alternatives accessible in the insurance marketplace today, you have the luxury of comparing different rates and opting for the most affordable option.

Take Control Of Your Rates – Being in control of your rates can also help lower the cost of car insurance. Tickets as well as accidents which are no longer paid for should be taken off the coverage at the right time. Each time changes are made to your status, obtain a few quotes and compare the different rates. Perhaps, you will be able to find a plan that allows you to save.

Buy A Cheap Car – The more expensive a car is, the more you will pay in insurance premiums.

Cover Less Miles In A Year – Try to keep your mileage to the minimum. Drivers who cover less than 10,000 miles in a year are more likely to qualify for reduced insurance rates. The more time you spend on the road, the more likely you are to be involved in an accident.

Park Your Car In A Safe Area – Burglary and accidental damages are just some of the factors that can increase your insurance premiums. Cars parked inside a garage or on a driveway are less likely to be broken into or damaged which results in a 4% to 6% decline in insurance costs.

Exercise Caution While Driving – Careless driving will result in additional points in your license. As a result, you will be expected to pay more in insurance premiums. Whereas points attributed to speeding tends to remain on a driver’s license for at least 4 years, insurance companies will confirm if there have been convictions in the past 5 years prior to deleting them from your record.

Install Security Systems In Your Car – Installing security systems, for example, car alarms and anti-lock brakes in your car can also help in lowering your risks.

Avoid Making Changes to Your Car – Do not make changes to your car before informing your insurance provider. Modifications refer to anything that will alter the original specifications, for example, fitting allow rims.

Call Statewide Insurance Agency today for more information on saving money on your Oklahoma City or Edmond auto insurance, or visit us online at https://okstatewide.com to recieve a no-obligation quote.

Oklahoma Homeowners Catch a Break on Insurance

Protecting Oklahoma Homes From Storms

Get quality homeowners insurance at lower cost.

About 1 in 13 of our customers has a home insurance claim every year.

Buying Car Insurance: Young Drivers

Car insurance rates for young drivers in Oklahoma is expensive. Take the time to educate yourself and seek an agent that represents multiple companies so you can find the company that wants your business the most. Whether you are shopping for homeowners insurance quotes in Oklahoma City or for the best car insurance in Edmond, an Independent Insurance Agent is usually your best choice.

Here is a helpful link to assist you in making decisions about your young driver: http://j.mp/1GCrFQk