edmond home insurance | Statewide Insurance Agency

Credit Impacts Homeowners Insurance Rates in Oklahoma

Von Nix — Wed, 13 Mar 2019 19:51:03 +0000

Here is a good article from CNBC discussing the impact that poor credit has on your Oklahoma home insurance cost. Click Here

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Compare Home Insurance Quotes in Oklahoma City

Von Nix — Mon, 11 Mar 2019 09:32:03 +0000

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.

Meet our home insurance professionals….now and at renewal

Von Nix — Mon, 13 Aug 2018 20:52:18 +0000

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”

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Home Insurance: When Cheap Turns Costly

Von Nix — Mon, 25 Jun 2018 21:21:46 +0000

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.

Supersizing Your Edmond Home Insurance

Von Nix — Sun, 04 Feb 2018 19:37:58 +0000

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.

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Oklahoma City Homeowner Insurance Quotes

Von Nix — Mon, 20 Jul 2015 20:58:17 +0000

The Internet has made it so easy for consumers in Oklahoma City and Edmond to get home insurance quotes in the middle of the night it almost seems like a dream come true to busy working professionals. But getting quotes online and comparing homeowner insurance policies with online systems isn’t the best option for gathering the most competitive prices and policy options.

Online quotes give very little information: When you get price quotes online, you don’t have the benefit of reading the policy documents or even asking questions about the underlying policy specifics. All you get is a number with some vague information about limits and deductibles. Exclusions to covered incidents and other caveats are not easily visible and therefore cannot be appropriately evaluated against each other.

No human ingenuity: Developing an effective insurance portfolio is an art. It takes an experienced agent to suss out all the possibilities for discounts that your lifestyle presents. Computers are great for solving linear problems and delivering static answers to dynamic questions, but your financial situation and risk assessment needs are much more sophisticated than a computer can actually handle. When you have an insurance agent working with you, human ingenuity steps up to the plate to ask the appropriate questions and analyze the situation in order to help you develop the coverages you need and combine them with hidden opportunities for discounts.

Answers, not solutions: If you have questions during the process of shopping for Oklahoma City home insurance quotes online then you can probably find answers, but if those questions lead you to realize that you have specific planning issues that need to be addressed, you will have hit a dead end. Only a live person can take your questions and handle them as they evolve into situations.

It can be a great idea to get online homeowners quotes when you initially start shopping for insurance products simply so you can learn about how the different products and options can affect price. But when it comes to making buying decisions, it’s always a good idea to have an experienced professional at your side rather than a cold hunk of synthetic materials.

Oklahoma City and Edmond as well as all of Oklahoma continue to trust Statewide Insurance Agency for their home insurance needs as well as their auto insurance needs.

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“Mindful” Insurance Decisions

Von Nix — Fri, 10 Jul 2015 22:34:22 +0000

In in Psychology Today, a 2009 article described mindfulness as the practice of staying in the present moment. Instead of being distracted by thinking about the future, dwelling on the past or allowing lots of white noise in your head over everything but “the now,” being mindful allows you to fully invest in the current moment and pay attention only to what’s in front of you.

Mindfulness and Insurance – There are a million things you could insure and a million things that could go wrong. But taking a step back and putting things into perspective about what truly matters to you can take the stress out of the process of deciding what to insure and what not to insure. When Oklahoman’s purchase home insurance, it’s essential you allow yourself time to be quiet and mindful. It is normal to feel anxious when thinking about all the perils facing your home and vehicle, when working on final expense and legacy planning, when imagining your future potential disabilities and anticipating all the liabilities and other negative aspects of life that make insurance necessary. To be properly insured and prepared, however, you must allow yourself to be fully invested in the process of home and auto insurance planning rather than distracted and intimidated by what-ifs.

Mindful Insurance Planning – Instead of being bullied by the unknown, be sure to stay focused on the facts while you are planning your insurance portfolio like the risks that anyone in your position may actually face and the value of the property you want to protect. It’s really that simple and knowing this will allow you to fashion a much more secure financial future.

Being frightened of a possible accident that hasn’t yet happened, or being overwhelmed by the amount of data you must consider as you buy homeowners insurance hurts rather than helps you purchase insurance. Deliberating the amounts you need to protect your family won’t make it any easier to select the types of policies that offer you the kind of protections you’re looking for. Instead, it makes you feel doubtful and powerless during what should be a very empowering process.

When you give yourself the mental space to be mindful, you can approach the task of buying insurance as practically and detached as possible. This will help you to deliberate and reason the practical risks you face each day and assign a dollar value to them. From there you can make relevant adjustments as you consider your budget versus potential premiums.

Your insurance agent can help in keeping your emotions in check and your approach to insurance planning practical. If you are ready to start looking for insurance policies that will protect you and your family, give us a call.

We are Statewide Insurance Agency and we specialize in Oklahoma homeowners insurance and Oklahoma auto insurance. https://okstatewide.com

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New Office of Statewide Insurance Agency

Von Nix — Sat, 11 Apr 2015 21:00:32 +0000

The post New Office of Statewide Insurance Agency first appeared on Statewide Insurance Agency.

Do You Have Enough Coverage to Rebuild Your Home?

Von Nix — Sun, 29 Mar 2015 00:27:59 +0000

Imagine how devastating it would be to lose your home in a tornado or fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Oklahoma Homeowners Insurance policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and tips to help you make the right choices for your needs — and remember, if you need help, Statewide is just a phone call away! What is insurance to value? Insurance to value is the relationship between the amount of coverage selected (typically listed as “Coverage A” or “Dwelling Coverage” on your policy declarations page) and the amount required to rebuild your home. Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in the event of a total loss Why is the cost to rebuild different from the market value? A home’s market value reflects current economic conditions, taxes, school districts, the value of the land and location, and other factors unrelated to construction cost. The cost to rebuild your home is based only on the cost of materials and labor in your area. It is important that you insure your home based on its reconstruction cost, NOT its current market value Why is reconstruction more expensive than new construction? New-home builders typically build many homes at once, and solicit bids from various sub-contractors to receive the best pricing. Their business model is based on economies of scale. For example, they may purchase 20 bathtubs at once, securing a lower unit cost. These economies of scale don’t exist when building a single home. How can I make sure I have the correct amount of insurance? Work with your agent at time of purchase to be sure that you receive an accurate quote home insurance quote. Ask us about additional coverage options that may be available. Review your insurance to value calculation on a regular basis with your agent. Tell your agent about any changes or improvements that you make to your home. What if I don’t want to rebuild? Talk to your agent, many times market value home insurance policies cost less and make sense if you aren’t interested in going through the rebuilding process. Statewide Insurance Agency – Edmond, OK

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Home Inventory

Von Nix — Mon, 23 Mar 2015 02:17:02 +0000

Why a Home Inventory Is Important For Every Oklahoma Homeowner Let’s try a little exercise: Can you list everything you own from memory? Didn’t think so. The fact is most homeowners own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage? Or every pair of shoes? All of it is regarded as personal property for Oklahoma home insurance purposes. And if your Oklahoma City home is destroyed by fire or some other disaster, having a list of your possessions makes filing a claim easier — and helps you put your life back together. Why should I complete a home inventory? What’s the best way? Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk through your house. Or, you can use a regular camera and create a home inventory checklist. Here are a few tips for completing and storing your inventory: Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note. Keep any receipts you have with the list to make the claims process easier. Store your video or photo inventory offsite so you won’t lose it if your house is damaged. Update your personal property records when you purchase new furnishings and valuables. Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all. How much personal property coverage do you need on your home insurance? We can assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property. You should consider getting a quote for full-value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial. (For example, a 5-year-old TV is usually worth much less than what it would cost to purchase a new one.) Finally, remember your homeowners insurance policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage. The Insurance Information Institute has a FREE online tool that can help you create your inventory. Just visit www.knowyourstuff.org for more details. We hope you’ll never need the home inventory, but preparing for the worst can prevent a lot of hassle later! Statewide Insurance Agency in Edmond, Oklahoma specializes in home insurance and auto insurance. Because we represent multiple companies we are better at matching customers to companies.

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