Archive for Norman Home Insurance

Generator Safety

With the cold and freezing temperatures and risk of power outages, be sure you’re aware of how to safely use a generator should you need one!

How To Log Your Personal Property In Case Of Loss

Here’s Trevon with one of our frequently asked questions. Let us know what other questions you have!

Best Home Insurance Rates in Oklahoma

Protecting your home is so important, yet it is also difficult to find the best rates. We are here to help. Get a free quote here.

One of our most frequently asked questions we get is “how do I switch home insurance companies when my current insurance is paid through my escrow account?”

It feels like a daunting task and like it can be complicated, but it truly isn’t. Once you get a quote from one of our agents and you want to switch to that company, all we need is the name of your mortgage company, and your loan number. We take it from there! We do this everyday and it is truly a seamless process.

We want you to have the lowest rate and best coverage possible. If that means switching companies and changing your escrow payments to do that, we’re happy to help. As always, reach out to us with any questions regarding this process, or get a quote here.

 

Okstatewide.com specializes in Oklahoma home insurance; however, due to the large “bundling” discounts that many of the best home insurance companies in Oklahoma offer, we must also be experts in finding the best car insurance in Oklahoma.

As our name implies, we sell insurance throughout Oklahoma and most of our customers are in Oklahoma City.  However, we believe we have a special relationship with our customers in Yukon, Norman and Edmond and we especially enjoy offering homeowners insurance quotes to these communities.

Click Get a free homeowners quote in Yukon, OK now

Click to get a free homeowners insurance quote in Edmond, OK now

Click to get a free homeowners insurance quote in Norman, OK now

 

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.

 

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

 

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.

The Top 4 Home Insurance Companies in Oklahoma

Update: 1-12-2019

The Oklahoma homeowners insurance market continues to change in Oklahoma so I’m going to revise my ranking of companies….

  1. Progressive Insurance:  They still offer an excellent value and are a good long term choice for many consumers.
  2. Travelers Insurance:  Conservative underwriting practices has resulted in fewer rate increases relative to their competition….stable and committed to Oklahoma.
  3. Allstate Insurance:  They have aggressive growth strategies in Oklahoma and so their pricing is good in some areas for some consumers…I’m not sure about their rate stability.
  4. State Farm Insurance:  They offer excellent service and good long term value for some consumers.  Their pricing varies quite a bit but they are worthy of consideration.
  5. Safeco Insurance ( a Liberty Mutual Company):  They offer excellent claim service and they are very friendly to do business with.  Some of their pricing on new policies is a challenge;  however, Safeco’s car insurance is sometimes tough to beat.  As a result, auto and home bundles can still be very competitive with Safeco Insurance.

Oklahoma home insurance rates increased roughly 50% during a 5 year period ending in 2015 as homeowners embraced continuous wind and hail storms, especially within the western one-half of the state.  

These increases have Oklahoma homeowners scrambling to find quality home insurance with stable companies without the high cost that many insurers are still trying to charge.

In our opinion, the following 4 companies offer the greatest home insurance value in Oklahoma and, in our opinion, these companies will have the best chance of saving Oklahoma consumers money as you seek quotes for your homeowners insurance needs. All  4 of these companies offer outstanding coverage, excellent claims service and they usually have a lower cost than competitors.  

      1.   Safeco Insurance ( a Liberty Mutual Company)

      2.  Travelers Insurance

      3.  State Farm Insurance

      4. Allstate Insurance

May 5, 2018 Consumer Update:  3 of the last 4 years have been very profitable for the companies offering home insurance quotes in Oklahoma.  As a result, we are starting to see some companies offer better rates in many situations.  Also, Progressive Insurance has come into Oklahoma offering an excellent home insurance policy and oftentimes the rate is outstanding.  I have confidence that Progressive will be consistent and provide and excellent home insurance value for Oklahoma customers.  As a result, here is my new, updated rankings….

  1. Progressive Insurance
  2. Safeco Insurance ( a Liberty Mutual Company)
  3. Travelers Insurance
  4. Allstate Insurance
  5. State Farm Insurance

I have moved Allstate above State Farm because Allstate has a better home insurance cost right now.  However, long-term, State Farm will provide good value relative to other premium cost carriers, in my opinion.

Statewide Insurance Agency represents Progressive, Safeco Insurance and Travelers Insurance but not State Farm or Allstate.  

 

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