Archive for Home and Auto Insurance Quote

Getting a Home Inspection and Finding Homeowners Insurance

Posted by Von Nix 
· Monday, January 14th, 2019 

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.

Safeco Insurance Ratings: Fake Homeowners Insurance Reviews in Oklahoma

Posted by Von Nix 
· Friday, December 28th, 2018 

 

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

 

Request a Home and/or Auto Insurance Quote Now!

Posted by Von Nix 
· Monday, October 22nd, 2018 

Request a Car Insurance Quote Now…
https://okstatewide.com/get-a-quote/auto/

Request a Home Insurance Quote Now..
https://okstatewide.com/get-a-quote/home/


Statewide Home Insurance Flyer 2016 | Travelers | Safeco Insurance / A Liberty Mutual Company | Progressive | MetLife | The National Security Group | Mercury Insurance | Foremost Insurance Group | American Modern

Encompass Introduces Cadillac Homeowners Policy-Norman, OK Benefits

Posted by Von Nix 
· Monday, August 27th, 2018 

 

August 14, 2018:  Norman, OK.  Encompass Insurance, a wholly owned subsidiary of Allstate Insurance (ALL NYSE) has entered the Oklahoma home insurance market with a bang.

The Encompass homeowners product will target consumers in select communities such as Norman by offering below market home insurance quotes  (in most situations) and a top quality product.

The product has all of the features and benefits that consumers have come to expect from Encompass and Allstate including up to $5,000 for emergency repairs that need to be made quickly following a loss in order to prevent further damage.

The Encompass home insurance product is being quoted and offered exclusively through Independent Insurance Agents, including Statewide Insurance Agency (Statewide)  in Edmond, OK.

Statewide’s owner, Von Nix, commented on the opportunity to offer Norman residents lower homeowner insurance rates by saying, “we have agreements in place to offer home insurance from many different companies; however, there are only 4 that we have confidence in to provide great claim service and excellent long-term value….Encompass certainly falls in this category.  We have seen several companies continue to take rate increases the last 4 years despite better than average weather in Oklahoma.  Encompass will provide the competition that is needed in areas like Norman to help keep other carriers in line from a pricing point of view.”

Home Page Okstatewide.com

 

 

 

 

Meet our home insurance professionals….now and at renewal

Posted by Von Nix 
· Monday, August 13th, 2018 

I am very thankful for this team of professionals that serve our customers everyday with quality homeowners insurance and car insurance at prices that are usually lower than our competition.  Moreover, we monitor every renewal for accuracy and competitiveness.  Our goal is to place your home and car insurance with one of our quality companies that you can build a long term relationship with.  However, we all know that, occasionally, that doesn’t happen….our renewal process allows us to see these issues and start working on them well before the policy renews.

Our Specialty: Home and car insurance in Oklahoma….we don’t try to be experts in all lines of insurance.

Our Experience:  As of this writing, every staff person has an Oklahoma Agents License to service and sale and our staff of 7 has 108 years of combined personal insurance experience.

Our Motivation:  We desire slow, steady growth through long term client relationships.

Our Commitment:  To place your best interest above our own.

Statewide Insurance Agency

“Okstatewide.com – when you tired of fighting homeowners insurance in Oklahoma”

 

Summer Energy Savings

Posted by Von Nix 
· Monday, July 9th, 2018 

Beat the Heat — and Your Air Conditioning Bill — This Summer

Did you know that, according to the U.S. Department of Energy (DOE), Americans spend about $11 billion each year on air conditioning? That might not be such a surprise if you’re the one who writes the check for your household energy bill every month.

Believe it or not, you can spend less on cooling costs while still keeping cool in Edmond, Oklahoma.

Here are 5 things to do before you reach to adjust the thermostat:

  • Make sure your house isn’t part of the problem. If your home isn’t insulated and sealed well, warm air could be leaking in, sabotaging your efforts to cool things down. Make sure all cracks and openings are sealed, along with your ducts. The DOE says air loss through ducts can account for 30 percent of the energy a cooling system uses.
  • Keep that breeze flowing. Natural ventilation is a great way to decrease the temperature in your home without using any energy. Open windows in the mornings or evenings when the air is cool and get a cross-breeze going throughout the house.
  • Check that the heat isn’t on. You might be heating your house in the summer without realizing it. How? By using the oven, stove or other appliances that generate heat. Cook outside whenever you can, and use the dishwasher and clothes dryer at cooler times of the day if possible.
  • Create your own personal cool zone. Cooling the whole house might not be necessary if you’re only using a few rooms. Set up fans (ceiling fans will allow you to set your thermostat a few degrees higher), drink plenty of cool liquids and eat cold foods, which can help lower your body temperature. You might even consider wearing a damp shirt to stay comfortable or putting an ice pack on your forehead, the back of your neck or your wrists.
  • Don’t forget the basics. When it’s sunny outside, keep your curtains closed. Minimize your use of lights, as they generate heat. And, when the outside air is warmer than the air in your house, close the windows to keep the cool air in. 

We can’t promise these tips will keep you just as cool as when you kick back and turn on the AC full-blast. But saving money every month? That’s pretty cool, too.

ALL SOURCES OF INFORMATION:

  • Safeco Insurance:

 

Home Insurance – Protecting Edmond, Norman, Moore, Oklahoma City, Guthrie and Yukon, OK

Posted by Von Nix 
· Monday, July 2nd, 2018 

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.  Statewide Insurance Agency can help you find the homeowner’s insurance quotes that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance Quotes for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Oklahoma– What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Statewide Insurance Agency is here to help you find the right insurance for your home

Whether you’re a home or condo owner, a renter, or a landlord,  Statewide Insurance Agency will work with you to find a home insurance quote that fits your needs. We specialize in making it easy to choose the home insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
    • Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

The Right Coverage. The Right Price. The Right Value

The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

  • When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Edmond, Guthrie, Oklahoma City, Yukon, Midwest City, Choctaw, Moore and Norman – Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you. 

 

 

Tips and Tricks for Saving $$$ on Your Homeowner’s Insurance Policy

Posted by Von Nix 
· Tuesday, June 19th, 2018 

If you own your home in Oklahoma/OKC Metro, or if you’re in the process of buying your home then you’re aware of the importance of a homeowner’s insurance policy. But are you making sure that your homeowner’s insurance policy is saving you as much money as possible?

 

 

Here are a few tips and tricks for saving money
on your Homeowner’s Insurance Policy. 

Do Your Research

A smart consumer will request several quotes and shop around for the best deal on their homeowner’s insurance policy. Talking with independent agents is always a good method for getting a good understanding of what constitutes the best deal taking coverage and cost into consideration. But you should also look for any discounts you can: many memberships come with insurance discounts, even wholesale club memberships like Costco and Sam’s Club.

Update Your Home

If you own or are purchasing an older home especially, talk with an agent about what modern upgrades will affect your premiums. You can make some changes that make your home safer and also save you money every month!

Brush Up on the Lingo

Sometimes, consumers choose a slightly cheaper option without knowing the real cost of the compromise in coverage. For example, consider the way your policy handles a payout. Actual Cash Value will save you a little money on your premium, but should something happen, you may find this payout inadequate. 

This is because Actual Cash Value payouts are based entirely on the current worth of the home and contents insured. In contrast, Replacement Cost will payout based on the current cost to rebuild or purchase the home and contents. This can mean a stark contrast in what your payout looks like and greatly affect your ability to recover from a disaster. 

Consider A Higher Deductible

As with any type of insurance, you can expect to lower your premium by raising your deductible. You have to consider whether this option is the best fit for you, because raising your deductible will put more financial responsibility on you than sticking with a lower deductible. Speak with an agent about how much you feel comfortable with raising your deductible up to and see how it affects your annual premium.

Add an Umbrella Policy

Although adding an additional policy made seem counter-intuitive when it comes to saving money, an umbrella policy can add extra protections that save you significant money in the future. Should you face any liability litigation, that exceeds your homeowner’s policy, you are personally and financially responsible for those costs. If you don’t have the funds available, you could be looking at wage garnishments or worse. An Umbrella policy is quite inexpensive to add and the protections it provides are more than worth it.

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