The post Cheap home insurance Norman first appeared on Statewide Insurance Agency.

The post Credit Impacts Homeowners Insurance Rates in Oklahoma first appeared on Statewide Insurance Agency.

Travelers, Safeco and Progressive Insurance are 3 of our favorite homeowners insurance and automobile insurance providers to quote and sell in Oklahoma because…..

1. they offer excellent coverages

2. their claim service is what you expect it to be and

3. they offer rate stability….they don’t price gouge you on your renewal.

You can always get a quote easily on our website. Click here to get one now.

Most Independent Insurance Agents represent 10 or more companies homeowner insurance companies in Oklahoma and they are usually willing to quote any of them.  That is where Statewide Insurance Agency is different….we only quote products of companies with proven track records of price,  coverage and service stability.

Furthermore, you do not have to ask us to review your home insurance policy when it renews…..we do it automatically as one of the agencies most important processes.

Please consider Statewide Insurance Agency the next time you need a quote on your home or car insurance in Oklahoma.

The post Compare Home Insurance Quotes in Oklahoma City first appeared on Statewide Insurance Agency.

Update: February 23, 2020

Here is my latest update for home insurance in Oklahoma….*

1.  Progressive Insurance:  They still offer an excellent value and are a good long term choice for many consumers
2. Safeco Insurance (a Liberty Mutual Company):  This is, by far, the biggest change on my update.  Bundling discounts with Safeco pretty much require you to place your home and car insurance with them; however, their package is going to be very strong for consumers with good credit and good loss history.
3. 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.
4. 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 and consumers should ask about discounts that diminish or totally go away after the first year!
5. Encompass Insurance (an Allstate Insurance Company):  For many years Encompass was the “high value home” solution offered by Allstate.  Now Encompass is available for dwelling coverage as low as $150,000 and as high as $3M.  They have excellent coverages and they are becoming increasingly competitive.

• Disclosure – Statewide Insurance Agency represents Progressive, Safeco and Encompass but not State Farm or Allstate.

Protecting Oklahoma Homes From Storms

Get quality homeowners insurance at lower cost.

The post Oklahoma Homeowners Catch a Break on Insurance first appeared on Statewide Insurance Agency.

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”

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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.“

The post Home Insurance: When Cheap Turns Costly first appeared on Statewide Insurance Agency.

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.

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If you live in a rental home or apartment, chances are you don’t have the proper insurance. Despite the fact that rented homes are more likely to be burglarized than owner-occupied properties, nearly 60 percent of renters don’t have a renters policy.

Why does it matter?

“If you rent a house or apartment and think that your landlord is financially responsible when there is a fire, theft or other catastrophe—think again,” warns the Insurance Information Institute*. “Your landlord may have insurance to protect the building you are living in. But your landlord’s policy won’t replace your personal possessions or pay for your living expenses while the building is being repaired. The only way to protect yourself financially against disasters is to buy a renters insurance policy.”

Renters insurance covers your possessions, liability and additional living expenses. Let’s take a look at these three types of protection:

Possessions

Standard renters insurance protects your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water and other disasters listed in the policy. Floods and earthquakes are not covered.

To decide how much insurance to buy, you need to know the value of all your personal possessions—including furniture, clothing, electronics, appliances, kitchen utensils and even towels and bedding. The easiest way to figure this out is to create a home inventory, a detailed list of all of your personal possessions and their estimated value.

There are two types of renters insurance policies for your possessions:

Actual Cash Value pays to replace your possessions minus an amount for depreciation (the reduction in the value of items due to age and use) up to the limit of your policy.

• Replacement Cost pays the full cost of replacing your possessions (with no deduction for depreciation), up to the limit of your policy. The price of Replacement Cost coverage is about 10 percent more than Actual Cash Value coverage, but can be well worth the additional cost.

Note that a standard renters policy offers only limited coverage for items such as jewelry, silver, furs, etc. If you own property that exceeds these limits, it is recommended that you supplement your policy with a floater. A floater is a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy such as accidental loss.

Liability

Standard renters insurance policies also provide liability protection in the event you or members of your familiar cause injury to others or damage their property.  It also pays for damage your pets cause.

If you are sued, the liability portion of a renters policy may pay for both the cost of defending you in court and for court awards, up to the limit of the policy. Liability limits generally start at about $100,000. Your policy may also provide No-Fault Medical coverage. If visitors are injured in your home, regardless of fault, you can submit their medical bills directly to your insurance company. You can generally get $1,000 to $5,000 worth of this coverage. It does not however, pay medical bills for your own family or your pets.

Additional Living Expenses

Many people are pleasantly surprised to learn that Additional Living Expense (ALE) coverage is typically included in a renters insurance policy. If the home or apartment you are renting is damaged or destroyed and you need to live elsewhere while it is being repaired or rebuilt, renters insurance will cover your additional living expenses—namely the difference between your regular living expenses and the additional costs incurred by having to live away from your home, such as hotel bills, temporary rentals, restaurant meals, etc.

Need help deciding what coverage is best for you? Contact Statewide Insurance Agency today. https://okstatewide.com

*Insurance Information Institute, September 30, 2009

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