Archive for Bethany Home and Auto Insurance Quote – Page 2

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Downtown Edmond Business Association

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and better building materials may mean lower insurance premiums than their older counterparts that were built with outdated security measures and older structural materials.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.

 

Oklahoma College Checklist

A Few Tips for the Oklahoma College-Bound  

A Few Tips for the Oklahoma College-Bound

Colleges in Oklahoma are expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school in Oklahoma, below are a few tips to help you get the most out of your coverage!

HOMEOWNERS (Oklahoma)

  • Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended.
  • Liability Coverage: General damage to a dorm room or apartment is not usually covered. 
  • Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.

Renters Quote

AUTO (Oklahoma)

  • Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
  • Car at School: Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered. 
  • Driving a Friend’s Car: Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary.  The insurance for the friend’s vehicle would be the primary coverage.
  • Discounts: A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.

 Auto Quote

Call before you or your child leaves for school!
Statewide Insurance Agency (405) 285-2929 


We can walk you through the steps to ensure you have the right coverage. We’re here to help !

 

#BackToSchool

Back to School @okstatewide

Be mindful that children will be going back to school… so keep an eye out for children on the roads. #BackToSchool  #Safety1st #ConsciousnessRaising

Appliance Hoses

Should You Be Worried???

There’s a ticking time bomb in your Tulsa, Oklahoma house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage.

We here at Statewide Insurance are talking about faulty appliance hoses, of course.

Consider your humble washing machine: According to the Insurance Institute for Business & Home Safety (IBHS), washing-machine failures cost an average of more than $5,000, and faulty hoses are responsible for more than half of those failures.

You can take steps to defuse these ticking time bombs — or at least make them less likely to go off. Here are the common hoses and tubes you should be checking:

Hoses

Washing Machine

Most washing machines come with rubber hoses that connect to your water supply — hoses that can wear out and eventually burst. The IBHS says to check frequently for blisters, worn tubing, stress cracks and loose connections. Even if there is no obvious wear, replace hoses every five years. Use a reinforced steel-braided hose, as they are less likely to fail.

Dryer

Although you should clean the lint trap in your dryer with every load, danger lurks behind the dryer as well. Flexible plastic or foil ducting can easily trap lint and increase the risk of fire, according to the U.S. Consumer Product Safety Commission. The agency recommends the use of a rigid or semi-rigid metal duct instead. Whichever you use, be sure to disconnect and clean the ducting annually.

Refrigerator

If your refrigerator has an ice maker or water dispenser, it also has a hose connecting it to the water supply. Replace the standard hose with a steel-braided line for added security.

Dishwasher

Dishwasher leaks can easily go undetected, so it’s important to check these connections regularly as well. Make sure that hoses and lines have no kinks, and periodically remove and clean the filter in the dishwasher, which is designed to stop food pieces from making it into the drain hose. 

Gas Grills

At least once a year (typically when you fire up the grill for the first time after winter), check the hose connecting the fuel source to the burners. Simply brush it with some soapy water, turn the gas on (do not light the grill) and check the hose for air bubbles. If you see any, replace the hose and fitting.


In addition to checking your hoses regularly and replacing them when needed, there are monitoring systems available now that can automatically shut off your water supply in the event of a failure. Some detect leaks with moisture indicators, while at least one new system actually checks your water meter for unusual activity.

To further protect you, your homeowners insurance may cover certain damage that results from appliance hose failures. But, it all depends on the circumstances of your situation and on your specific policy. You may find that an appliance hose failure is not covered by your insurance, so it’s best to maintain your appliances to avoid damage in the first place.

 

If you have questions about your homeowners insurance coverage or need help with a claim, we here at Statewide Insurance Agency are happy to help.

Happy Mothers Day 2016

Happy Mother's Day

Earth Day 2019

Earth Day 2019 "OKIE"

Stop Throwing Away Money on Homeowners Insurance 

In 2019, we will celebrate Earth Day on April 22nd.  This is a great time to think about conservation of all the resources on the planet, including your money!  I often hear Oklahoman’s complain about the high cost of home insurance quotes in Oklahoma; however, the truth is that most Oklahoma City consumers are paying too much for their home insurance because they are with the wrong company.  And, they are too scared to change homeowners insurance companies because they fear a bad experience. 

Quality home insurance with excellent pricing exist for most homeowners in Oklahoma City, Edmond, Yukon, Moore and Norman, OK.  An Independent Insurance Agent (like Statewide Insurance Agency) has a better chance of finding the right home insurance quote in Oklahoma City because we represent multiple companies. 

Now, let’s stop talking about your “man-made” resources and talk about natural resources. 

People are thinking more and more about the environment — whether it’s something that affects quality of life here in Oklahoma or global issues such as climate change and extreme weather. But more importantly, people aren’t content with simply thinking about these things any more. They’re focused on taking action. Earth Day, which is celebrated April 22, is the perfect time to take action, whether you are looking to take part in a community event or organize your own. Here are some tips to help you get involved — and think about our planet Earth all through the year.

Find an event

It’s easy to find Earth Day events, whether you live in Edmond, Oklahoma or the OKC Metro. City and town Facebook pages are a great place to start, along with the websites of local environmental organizations. Newspapers, radio and TV often publicize events as well.

The Environmental Protection Agency website lists major Earth Day activities at http://www.epa.gov/earthday/index.html.

What can I do?

There are all kinds of Earth Day activities, even some you can easily complete by yourself or with your family. Examples include:

  • Planting trees
  • Cleaning up litter from a natural area or park
  • Adopting a road for litter control
  • Talking about Earth Day and helping to educate others
  • Using alternate transportation, instead of taking your car
  • Holding a garage sale or clothing swap, rather than throwing out unwanted items
  • Learning more about actions you can take to reduce your environmental impact

What if I want to organize an event?

Hosting an event doesn’t have to be a Herculean task, particularly if you keep it small. Any of the ideas above could be turned into your own event — just get the word out via social media, friends and family or even local print and broadcast media. But if you do want to organize a full-scale event, go for it!

Make it more than a day

Of course, one of the best ways to have an impact is to make every day your own Earth Day. You can take part in earth-friendly activities at any time! So in addition to celebrating once a year, make this April 22 just the beginning of something special.

And whether you find an event or create your own, the important thing is getting involved!

CLICK HERE TO GET A FREE HOMEOWNERS INSURANCE QUOTE FROM US

 

 

 

Statewide Insurance Agency Presents

2016 Spring Maintenance Guide for Your Home

The rising cost of home insurance in Oklahoma has all of us looking for cheap home insurance or ways to lower your homeowners insurance cost without sacrificing quality coverage.  

Did you know that almost all reputable home insurance companies in Oklahoma perform an exterior inspection of your home after you accept a quote or policy and sometimes again at the policy renewal?  A poorly maintained home will often result in an Oklahoma homeowner having to accept a home policy or home insurance company that is inferior to others on the market.  

When springtime rolls around in Oklahoma almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s something even more important to keep in mind: home maintenance.

So, when it’s time to set your clocks ahead for daylight-saving time and change the batteries in your smoke and carbon monoxide detectors, give your home a checkup, too. Here are some suggestions from the Department of Housing and Urban Development:


Interior and appliances

  • Check the basement and/or crawlspace for any signs of standing water or dripping.
  • Pull your dryer out and clean the exhaust hose and vent (lint found here is a common cause of house fires).
  • Vacuum refrigerator/freezer coils for efficiency.
  • Clean exhaust fan outlets and screens.
  • Check all air filters and replace, if necessary.

Roof, siding, windows

  • Check for damage to your roof and have a professional inspection, if necessary.
  • Go into the attic. If there is visible moisture or discoloration, your roof might be leaking.
  • Examine the paint on your siding and trim. If it is peeling, you might need new paint to protect against the effects of weather.
  • Check for leaks around window and door sills. Improving your seals can lower your energy bills.

Yard and exterior

  • Check for signs of rodents and other pests.
  • Clean debris from gutters and downspouts, and make sure they are draining away from the home.
  • Trim overhanging tree branches and shrubs.

Remember, winter weather can cause significant damage that is easy to spot, but it often results in wear and tear that homeowners can miss if they aren’t looking closely. It’s well worth it to spend a little time on home maintenance this spring, so that wear and tear doesn’t turn into something more serious.

 

Mapping the Future to Great Coverage

Serving: Bethany | Choctaw | Del City | Edmond | Guthrie | Midwest City | Moore | Norman | OKC | Stillwater | Tulsa | Yukon

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Please keep Statewide Insurance Agency in mind as your home insurance and auto insurance needs change. Cheap home insurance is available with great service, top companies and quality coverages…. it’s what we offer every day!