Skirting Inspection and Repair:

The skirting, the protective barrier that encloses the bottom of your manufactured home, serves as a vital line of defense against pests and moisture. Regularly inspect the skirting for any damage, holes, or gaps that might allow unwanted guests or moisture to enter. Keeping your skirting in good condition is essential for the overall well-being of your home.

Weatherproofing and Insulation:

Manufactured homes may have different insulation needs than traditional homes. Make sure your insulation is in good condition and replace any damaged or missing insulation promptly. Additionally, seal any gaps or cracks around doors, windows, and other openings to prevent drafts and save on energy costs.

Roof Maintenance:

The roof is one of the most critical components of your manufactured home. Inspect it regularly for signs of damage or wear, paying close attention to seams and seals. To prevent clogs and water pooling, clear debris, leaves, and branches from the roof regularly. Address any roofing issues promptly to avoid costly repairs down the road.

Anchoring and Leveling:

Proper anchoring and leveling are crucial for the structural integrity of your manufactured home. Ensure that your home is securely anchored to its foundation or supports as required by local regulations and manufacturer recommendations. Periodically check for signs of settling or unevenness and adjust the home’s leveling as needed.

Underbelly Inspection:

Some manufactured homes have an underbelly covering that protects pipes and insulation. Regularly inspect and repair any damage to the underbelly. Ensure that heating ducts and plumbing pipes are adequately insulated, especially in colder climates, to prevent freezing and potential damage.

Plumbing and Electrical Maintenance:

Plumbing and electrical systems in manufactured homes require routine inspections. Look for leaks in the plumbing and ensure water pipes are well-insulated in colder weather. Likewise, have your electrical systems checked by a qualified electrician periodically to maintain safety and functionality.

Ventilation:

Proper ventilation is essential to prevent moisture buildup, which can lead to mold and mildew issues. Ensure that your home’s ventilation system, including vents and fans, is functioning correctly to maintain a healthy indoor environment.

Get the Right Coverage:

Taking these essential maintenance steps will go a long way in preserving the value and longevity of your manufactured home in Oklahoma. To provide complete protection for your investment, don’t forget to reach out to our experienced agents at Statewide Insurance Agency for the best rates on Manufactured Home Insurance. Our experts are here to help you find the perfect coverage to ensure your home and possessions are secure, giving you peace of mind for years to come. Contact us today to get started! Your manufactured home deserves the best insurance protection available.

The post Essential Maintenance Tips for Your Manufactured Home first appeared on Statewide Insurance Agency.

The post first appeared on Statewide Insurance Agency.

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.

The post Travelers Home Insurance first appeared on Statewide Insurance Agency.

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

The post Best Home Insurance Companies in Oklahoma City, Edmond, Norman and Yukon first appeared on Statewide Insurance Agency.

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

The post Safeco Insurance Ratings: Fake Homeowners Insurance Reviews in Oklahoma first appeared on Statewide Insurance Agency.

A safe home is essential for protecting your family, but safety stems from more than just alarms and cameras. Security products are an important piece of the safety puzzle, but the glue that holds the puzzle together is practicing safety protocols. Unless your whole family knows how to use security equipment and routinely trains for potential hazards, you may not be prepared when you need it most. Try the following tips to maintain a safe home:

1. Smoke alarms: If you don’t already have them, install smoke alarms in every room of your home. Most models chirp when the battery is running low, but if you’re on vacation when a unit chirps and it dies before you return home, you may never know that you’re unprotected. Make a new habit of manually checking the batteries on every smoke alarm in your home at least every three to six months. Take your security a step further by planning a fire escape route with your family so everyone knows the safest way out.

2. Lighting: Outdoor lighting can be an effective method of deterring theft, especially motion-sensor lighting. Thieves prefer to burgle homes that provide hiding spaces, such as lush foliage and darkness. Apart from theft deterrent, lighting indoor and outdoor areas such as stairs and foyers can prevent you and your family from tripping in the dark.

3. Locks: Many thieves enter a home through an unlocked door or window. Always lock all doors and windows when leaving the house and when sleeping. Dead bolts can be installed on main entrances as an added precaution.

4. Glass break detectors: Consider purchasing glass break detectors and installing them on your lower level windows. These inexpensive devices emit an alarm if windows are broken, which can scare thieves away.

5. Security alarm: Security alarms are a pricier, yet effective method of theft deterrent. Security companies will alert the proper authorities if your home is broken into, which offers peace of mind while you’re away. If this option is too much of a stretch for your budget, you can get a fake (yet realistic!) yard sign and/or window sticker advertising that your home is protected by a security company.

6. Security cameras: Cameras can help you monitor the happenings in and around your home, which includes keeping a watchful eye on pets, children and nannies. If a thief breaks into your home, the video footage may be what helps the police catch the culprit. Again, if this option is too expensive, you can get dummy cameras to scare away thieves.

7. Poison hazards: Children will put anything in their mouths, from fingers to toys to harmful chemicals. All medications and cleaning products should be kept in child-proofed cabinets, out of reach of small children. The same should be done with breakable and sharp objects that may harm curious little fingers.

8. Cooking hazards: Kitchens are the most common place for fire ignition in a home. Always cook with caution and keep a fire extinguisher nearby. Turn pan handles inward to avoid accidental spills, keep towels and other flammable items away from heated appliances and never leave cooking food unattended. If you have young children, explain to them that they must stay at least three feet away from the stove or oven when in use for their own safety.

9. Tripping hazards: Loose wires and clutter can cause trips and falls, which are the leading cause of home injuries. Walk around your home periodically to check for such areas and take the necessary steps. Coil wires neatly against the wall, use no-slip mats under rugs, tidy up your children’s toys, etc.

10. Social media announcements: Avoid announcing your vacations online. Anyone can interpret this information as an opportunity to rob your home. In fact, you want your home to maintain that lived-in look at all times. Ask a trusted neighbor or friend to collect your mail while you’re away and use motion-sensor lights indoors to make it seem like you’re home.

Not only are these safety measures good for the overall wellbeing of you and your family, but safe homes may be eligible for lower insurance premiums or discounts. Ask your agent if you qualify today.

The post 10 Steps to a Safer Home first appeared on Statewide Insurance Agency.

When consumers in Oklahoma City and Edmond get car insurance quotes, they expect great service with a low price. The tips below are good but I really like the video tips…

This video includes 5 simple steps to saving money on auto insurance. We’ve also included more tips for getting lower car insurance quotes below. Video: http://youtu.be/kvDlRSN3nG0

Shop Around – The easiest way to save on high risk auto insurance is shopping around. Obtain as many auto insurance coverage quotes as possible. Since there are a myriad of alternatives accessible in the insurance marketplace today, you have the luxury of comparing different rates and opting for the most affordable option.

Take Control Of Your Rates – Being in control of your rates can also help lower the cost of car insurance. Tickets as well as accidents which are no longer paid for should be taken off the coverage at the right time. Each time changes are made to your status, obtain a few quotes and compare the different rates. Perhaps, you will be able to find a plan that allows you to save.

Buy A Cheap Car – The more expensive a car is, the more you will pay in insurance premiums.

Cover Less Miles In A Year – Try to keep your mileage to the minimum. Drivers who cover less than 10,000 miles in a year are more likely to qualify for reduced insurance rates. The more time you spend on the road, the more likely you are to be involved in an accident.

Park Your Car In A Safe Area – Burglary and accidental damages are just some of the factors that can increase your insurance premiums. Cars parked inside a garage or on a driveway are less likely to be broken into or damaged which results in a 4% to 6% decline in insurance costs.

Exercise Caution While Driving – Careless driving will result in additional points in your license. As a result, you will be expected to pay more in insurance premiums. Whereas points attributed to speeding tends to remain on a driver’s license for at least 4 years, insurance companies will confirm if there have been convictions in the past 5 years prior to deleting them from your record.

Install Security Systems In Your Car – Installing security systems, for example, car alarms and anti-lock brakes in your car can also help in lowering your risks.

Avoid Making Changes to Your Car – Do not make changes to your car before informing your insurance provider. Modifications refer to anything that will alter the original specifications, for example, fitting allow rims.

Call Statewide Insurance Agency today for more information on saving money on your Oklahoma City or Edmond auto insurance, or visit us online at https://okstatewide.com to recieve a no-obligation quote.

The post Saving Money on Auto Insurance first appeared on Statewide Insurance Agency.