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Homeowners claims related to wind or hail are the most frequent; the costliest are related to fire and lightning.

About one in 15 insured homes has a claim each year.
About one in 35 insured homes has a property damage claim related to wind or hail each year.
About one in 50 insured homes has a property damage claim caused by water damage or freezing each year.
About one in 235 insured homes has a property damage claim due to theft each year.
About one in 290 insured homes has a property damage claim related to fire and lightning.
About one in 1,015 homeowners policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others.

By Insurance Information Institute

Home Insurance Favorites in Oklahoma

“We love to offer Safeco ( a Liberty Mutual Company) home insurance quotes to our Oklahoma customers because we trust Safeco to provide long term value on your Oklahoma home insurance and your Oklahoma car insurance”

Flexible coverage options your customers will love.

 We offer homeowners the freedom to choose from multiple levels of insurance protection:

Safeco Optimum: Our highest level of coverage with increased protection for extensive assets and treasured belongings

Safeco New Quality-Plus:

A high quality policy with the perfect balance between coverage and value

Safeco Essential:

A homeowners coverage lets you sell a solid policy at the most affordable price

Safeco makes it easy.

We’ve enhanced our homeowners quote & Issue system on the Safeco Now® platform to allow you to customize Safeco’s homeowners policy based on the way you sell. You can adjust your preferences in one of two ways:

  1. Customize the coverage levels and features with your own defaults
  2. Use our company suggested features with a single click of a button

For even more convenience and savings, customers can combine a Safeco auto and homeowners policy into a Safeco Package.

Industry-leading suite of optional coverages.

 Safeco offers additional product features that further enhance the protection of your customers and their belongings.

Equipment breakdown:

  • For just $2 a month, this valuable coverage offers an extra layer of protection for the home systems and equipment your customers depend on most

Identity recovery coverage:

  • For $1 a month, we can help a customer restore their identity if it’s stolen

Personal offense coverage:

  • Protects customers from libel or slander liability exposures

Statewide Insurance Agency represents multiple insurance companies so that we can find the right home insurance and car insurance for you.

https://okstatewide.com

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Supersizing Your Edmond Home Insurance

Statewide Insurance Agency continues to have a great deal of confidence in Safeco Insurance (a wholly owned subsidiary of Liberty Mutual Insurance) to provide our customers with long term value on their Edmond home insurance and their Edmond car insurance.  

Cheap home insurance rates in Edmond aren’t enough!  Oklahoma home insurance companies also have to provide consumers with a long term value package that includes excellent coverages and great agency service to go with the low home insurance rates and low car insurance rates.  Today’s consumers are well-read and able to compare home insurance quotes from several companies in a short amount of time.  These high demands eliminate many home insurance companies in Oklahoma from being able to offer long term insurance value.  Safeco Insurance is a company that we trust and believe you can too.  Here a few facts about Safeco…. 

THEY MAKE HOME INSURANCE EASY FOR HOMEOWNERS IN EDMOND AND ALL OF OKLAHOMA
Safeco offers 24/7 claims service and online account management tools.

ALL THE PRODUCTS EDMOND HOMEOWNERS NEED IN ONE PLACE.
Auto, home, motorcycle, boat, RV…you name it, chances are Safeco covers it.

LOCAL AGENTS, EXPERT ADVICE.
You’ll work with a local home insurance agent, like me, to get the coverage and home insurance quote you need at the right price.

THEY’LL BE THERE.
Safeco has been in business since 1923 and is backed by the financial strength of Liberty Mutual.

Home Insurance: When Cheap Turns Costly

We are all looking for cheap home insurance in Oklahoma.  However, cheap can turn to costly very fast if the home insurance policy you purchase does not cover  Additional Living Expenses (ALE).

ALE are monies paid to you by the home insurance company to pay for additional living cost that you incur as a result of a home insurance loss.  The best example of this is the cost to rent or lease another house while your home is being repaired or while the insurance company is assessing your home’s damage that is covered by insurance.  

As you seek cheap home insurance in Oklahoma, remember to make certain that the quote you request contains ALE as an important part of your home insurance plan.  Below is a typical example of the wording that an Oklahoma home insurance company will use in order to provide ALE.  This particular contract wording is from Safeco Insurance Company.  Safeco is one of the companies that we count on to provide home insurance value in Oklahoma without compromising critical policy coverages.  


If a loss covered under this Section makes that part of the residence premises where you reside
uninhabitable we cover Additional Living Expense, meaning the necessary increase in living
expenses you incur so that your household can maintain its normal standard of living.

Water Damage Prevention Tips

Leaking Faucet

Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important.  The below tips should help uncover any potential water problems down the road and keep your property dry this summer.

  • Check appliance hoses.
  • Broken tiles in the shower can allow water to leak into the walls or on the floor.
    • Replace cracked tiles and re-grout when needed.

  • Run dishwasher and washing machine only when you are home. 
    • If a leak occurs, you can turn the appliance off right away. 

  • When on vacation, turn off the main water supply to your house.

  • Keep storm drains near your house clear of leaves.

  • Install a gutter guard.
    • This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.

  • Install a water pressure gauge.
    • An inexpensive gauge can prevent damage caused by water pressure that’s too high. 
    • Pressure should be between 60 and 80 PSI. 

  • Have the correct insurance coverage.
    • We currently represent and offer free Home, Auto & Renters insurance quotes from over 10 different companies!
    • By doing so, we are able to find the company that is best for you.

Home Insurance Quotes Tulsa

Long Distance


Why do home insurance and car insurance consumers in Tulsa choose Statewide Insurance Agency in Edmond….100 miles away?
 

The answer is Tulsa Metro 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 Insurance

 

If you want to have a cup of coffee with your home insurance agent, we may not be the agency for you!  However, if 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.  

 

Are your gutters and drainpipes clean?

It’s not the most glamorous of jobs, but keeping a home’s gutter system clean is one of the more important steps in general upkeep. Why? The water that drains off of your roof during a rainstorm can damage your siding, windows doors, and foundations and even flood your basement – if not for the protecting embrace of your rain gutters.

Ignoring your gutters, though, is almost as bad as not having any. If gutters are not clear of leaves, debris, nests or other buildup, the water will create a “dam” situation and rainwater will overflow. So, grab a ladder, throw on some gloves, and up get up there – it’s time to clean your gutters!

Start scooping out loose debris once you’ve reached the top of your ladder. As you get comfortable with being at roof-level, only remove the most loose of objects – you don’t want to start yanking on debris that might be stuck in the gutters until everything easier-to-remove has been pulled. It is recommended to bring a bucket up with you, so you can pile the loose debris into an easy-to-throw away pile. Tip: debris is easier to remove when it’s damp.

It’s also important to check your drainpipes. You may need to blast out the pipes with a hose, or use a plumber’s “snake” to remove the hard-to-reach items. The pipes are an often-forgotten step in drain cleaning, as the water needs someplace to go after it flows through your newly-cleaned gutters!

Finally, get in the habit of blasting out your gutters with a hose. This is something you can do during the initial clean, after you’ve scraped away all of the loose debris; however, it’s also something you can do once a week to maintain the cleanliness of your gutters. Simply carry the hose with you as ascend the ladder, point it in one direction within the gutters, and spray away!

Remember, keeping your gutters clean is an easy way to maintain the quality of your roof, walls, windows and foundation.

Oklahoman’s Lower Home Insurance Cost by Avoiding Burglaries

1. Keep outside vegetation maintained discourage-break-ins-455446049
A house with overgrown trees, bushes and other vegetation are much more appealing to a would-be burglar – it gives off the impression of a home that’s possibly empty. Plus, large tree branches and high shrubs could block the windows and doors, and keep neighbors or passers-by from seeing inside your home when a burglar is inside. It’s a good idea to trim all greenery on a regular basis, especially the ones in your front yard.

2. Keep trash from expensive purchases in your garage
It’s easy for anyone to check out just what’s inside your garbage can. Boxes from televisions or computers give a burglar a good idea of just what they kind find inside your home. Keep boxes and wrappings from expensive purchases inside your garage until you can dispose of them at another place.

3. Install a quality home-security system – and make sure everyone knows it
Most home security companies will place a sign in your front yard after they’ve installed your new system. This is more than just company branding; it’s another way to thwart would-be burglars. Make sure you are familiar with activating and deactivating your alarm system.

4. Embrace the deadbolt
It may cost you a little extra to install a deadbolt on your exterior doors, but the added level of security can be invaluable in the case of a burglar trying a smash-and-grab entry.

5. Be smart

Most police officers will tell you that burglaries manifest due to opportunity – an unlocked car, a house with a window open, a front door ajar, etc. Use common sense and lock all windows and doors on your home, and keep your valuables out of eye sight. If you have one room with more valuables than another, close the blinds on that window. If your garage holds expensive tools or other items, close the garage door when you’re not using them. Common sense will prevent many burglaries.

Statewide Insurance Agency is an Independent Insurance Agency in Edmond, OK offering free home insurance quotes and free automobile insurance quotes.  

We shop up to 10 companies to find the right one for you!  

What Oklahoma needs to know about Earthquake Insurance

What are the two most important things to know about earthquake insurance?

  1. Most home insurance policies do not cover earthquake damage.
  2. Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in Oklahoma, earthquake insurance can be inexpensive – contact Statewide Insurance Agency to find out what the costs would be for your home.

Earthquake insurance can have many options

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization.

Does Oklahoma really need earthquake insurance?

In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts:

In the West: According to the U.S. Geological Survey, there is a 70 percent probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years.

In the East: The Earthquake Education Center at Charleston Southern University claims there’s a 40 to 60 percent chance of a major earthquake somewhere in the eastern United States in the next 20 years.

In the Midwest: According to the Insurance Information Institute, there’s a 40 to 63 percent chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years.

What does earthquake insurance cover?

Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.

An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.

There are several options to consider when purchasing earthquake insurance, including:

  • Does the policy cover only your home? Are other structures, such as garages, also included?
  • Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?
  • Are there any exclusions or limitations to coverage?
  • What deductible must you pay before the insurance kicks in?

Earthquakes are happening in Oklahoma – here’s how you can protect yourself

  • Make sure your water heater, gas appliances, and other fixtures are fastened securely.
  • Check that bookcases and furniture are secure and fastened to walls.
  • Have a family emergency plan that all family members know. Designate a meeting place outside the home where family members can gather once the danger has passed.
  • Designate a distant relative or friend who can serve as a point of contact and communication for you and your family members if you get separated.
  • Plan ahead. Keep flashlights, batteries, and candles on hand. Have a portable radio.
  • Be sure everyone in your house knows how to turn off utilities (electricity, water, and gas).
  • When shopping for earthquake insurance, ask the company to help you identify possible repairs and other improvements that will make your home safer and minimize damage.

What to do when an earthquake strikes

If you are inside when an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave.

If you are outside, get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from upper parts of buildings.

If you are in a car, stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle.

Keep in mind:

  • Don’t use candles until gas lines are checked. Also, check throughout your home before you use certain utilities, such as water and electric, sewage connections, and even chimneys.
  • Don’t tie up phone lines except to report emergencies.
  • Be prepared. Remember that you will need food and water, even for the short term. Keep your family together and stay alert for aftershocks.

Earthquake insurance needs can vary significantly – talk to us today to find out how to get the best price and value on earthquake insurance for you.

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New Years Resolutions 2016

16 Things To Look Forward To In 2016

After closing another year…time to get organized!

  • Add Earthquake Insurance
  • Update my Home Owners Insurance Coverage
  • Add kids to the Car Policy
  • Call of visit Statewide Insurance Agency for all Home and Auto Insurance needs
Share your New Years Resolution for 2016 below: