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 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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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.

The post Oklahoma City Homeowner Insurance Quotes first appeared on Statewide Insurance Agency.

There are two primary types of homeowner’s insurance: replacement cost and actual cash value. In a replacement-cost policy, the structure is insured for the cost of repairing the damage or building a comparable replacement, regardless of its age. If mandated by the local authorities, the repairs and construction will have to incorporate any upgrades required by the building codes in force at the time of the rebuild.

A key provision is that in a replacement-cost policy, there is no reduction in the payout because of depreciation. A 10-year-old roof is paid out the same as a nearly-new roof. For example, a 15-year-old roof is destroyed in a hailstorm. The roof has multiple layers of shingles, and the sheeting is deteriorated. New building codes require a full tear-off, including new sheeting and rafter repair. A replacement-cost policy will cover the supplemental work, even though the rafter damage isn’t a direct result of the storm.

As the name implies, an actual-cash-value, or ACV, policy pays out the fair market value of the damaged portion of the home at that time of the loss, minus depreciation. For example, a 15-year-old roof destroyed in a hailstorm may only be valued at $2,000 to $3,000. After the typical $1,000 deductible, the homeowner may only receive a single lump-sum payment of $1,000 to $2,000 to apply to the cost of repair or replacement of the roof.

Another consideration is the insurance coverage on the contents of the home. This comes into play after a major loss such as a fire or tornado. Replacement-cost policies pay for a comparable item, without regard to the age or condition of the original.

Some policies may be hybrids, with replacement cost on portions of the house, but ACV on other parts, such as the roof or windows. Contents are often rated at ACV. This is done for many reasons and there is nothing wrong or unprofessional about it. However, the policy owner needs to understand each part of the coverage — what is included and what is excluded.

The difference between replacement cost and actual-cash-value policies is significant, and homeowners need to make an informed choice. The primary reason to choose ACV is cost. The premiums for an ACV policy are significantly less than a full replacement policy. For many homeowners, ACV may be all they think they can afford. However, after a major loss, that cheap policy may not even pay back the premiums paid over many years.

Oklahoma City Homeowners shouldn’t wait for a disaster to take a second look at their insurance. A licensed agent can go over the existing coverage and explain not only what potential payouts might be, but also ways to economically upgrade. Feel free to call us at 405-285-2929 today, and we will answer any questions you have about homeowner’s insurance.

By the way, Statewide Insurance Agency offers Actual Cash Value home insurance policies as well as Replacement homeowners insurance policies!

“We shop up to 10 companies to find you the best coverage and price on your Oklahoma home insurance”