Midwest City home insurance | Statewide Insurance Agency

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.

Oklahoma Homeowners Catch a Break on Insurance

Von Nix — Tue, 06 Nov 2018 02:41:40 +0000

Update: February 23, 2020

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

Progressive Insurance: They still offer an excellent value and are a good long term choice for many consumers
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.
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.
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!
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.

About 1 in 13 of our customers has a home insurance claim every year.

Homeowners insurance covers more than just fire. Most home insurance policies also include coverage for wind, hail, water damage, theft, and personal liability……

Click here to have home insurance coverages explained in an easy to understand format.

Saving Money on Homeowners Insurance in Oklahoma City-Edmond, OK- Oklahoma

Click here to learn how to get cheaper home insurance quotes in Oklahoma without getting ripped off on the coverage you need.

Click here to find out how to ask the right questions about the homeowners insurance quote that you are getting in Oklahoma.

Click here if you’d like to read our October 25, 2018 update on the best home insurance companies in Oklahoma City (state of Oklahoma).

The post Oklahoma Homeowners Catch a Break on Insurance 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”

The post Meet our home insurance professionals….now and at renewal first appeared on Statewide Insurance Agency.

Homeowners Insurance: "Am I Covered?"

Von Nix — Thu, 14 May 2015 15:17:01 +0000

Oklahoma homeowners often ask the question, “what does this home insurance cover?” Coverage’s can vary a lot from one policy to another. However, there are some things that are consistently limited or not covered at all in home policies. Therefore, sometimes I’ll answer the question by telling my customers about these limitations. Here are some of my top examples of things that are not covered or that have limited coverage under homeowners insurance policies in Oklahoma City, Edmond and the entire state of Oklahoma….. Rising Flood Water: Surface water and rising flood water damage is the # 1 uninsured loss in Oklahoma and the United States. Most flood victims will tell you that they thought their home was in an area that was high enough that it would not flood. Many Oklahoma home policies do cover damage that results from a sudden rupture of water from your plumbing system or air conditioning system. Shifting Soil: Much of the soil type in Oklahoma is clay. It expands with moisture and contracts as it dries out. Hot and dry Oklahoma summers can result in shifts in your foundation that crack slabs and crack walls. This type of damage is not covered by any home policy, as far as I know. Jewelry: Oklahoma home insurance policies limit coverage for theft of jewelry. Furthermore, mysterious disappearance or a stone falling out of a setting is not usually covered unless special endorsements are purchased. Most of your jewelry needs can be met by purchasing extra jewelry coverage. Jewelry is usually covered up to your Personal Property policy limit in a fire loss or a tornado loss. Tools and Other Property Used In Your Business: Coverage is very limited under most policies. You are expected to have a separate business insurance policy for these items. Sewer Back Up: This coverage is oftentimes available by endorsement. Some companies interpret this exclusion to mean back up of a city’s main sewer line and distinguish this from an “overflow” due to a problem within your plumbing system. I do represent one company, Safeco, that provides significant coverage for sewer back up without an extra charge. Motorized Land Vehicles: Be very careful here. You’ll usually need a separate policy for motorcycles, dirt bikes, ATV’s, boats, trailers, etc. However, you may be able to get coverage for a motorized wheel chair and a riding lawn mower. You might get some coverage for a tractor if it is used “exclusively” to maintain the premises. Business Liability: Liability which arises from your business activities is almost always excluded. Certain professions such as teachers and sales people might be able to purchase it with endorsement if you are an “employee” of someone else and not “self-employed”. Mechanical Breakdown of Appliances: This is not usually covered but is now being offered by endorsement by a growing list of companies. Damage Caused By Insects and Animals: Not Covered: This would include damage caused by termites, dogs, squirrels, etc. This is not intended to be a comprehensive list of Oklahoma home insurance coverages, limitations and exclusions. It is my intent to help you educate yourself so you’ll be able to shop more effectively by asking the right questions. Von Nix, CPCU Statewide Insurance Agency https://okstatewide.com

The post Homeowners Insurance: "Am I Covered?" first appeared on Statewide Insurance Agency.

Oklahoma Home Insurance Claims Decrease in 2014

Von Nix — Thu, 23 Apr 2015 02:18:46 +0000

Oklahoma hail insurance claims down 76 percent in 2014, State Farm reports Oklahoma fell from No. 2 to No. 14 in number of hail claims from 2013 to 2014. by Don Mecoy, NewOK.com Modified: April 9, 2015 at 9:34 pm • Published: April 10, 2015 Oklahoma experienced a big decline in the number of hail-related insurance claims in 2014, according to figures released Thursday by the state’s largest provider of home and auto insurance. State Farm home and auto insurance policyholders in Oklahoma filed less than one-fourth the number of hail-related claims last year than they did in 2013, when Oklahoma ranked No. 2 overall in hail claims. Combined home and auto hail claims in Oklahoma fell last year to 8,089, which ranked 14th among states, State Farm reported. In 2013, Oklahoma State Farm customers filed 33,790 hail claims. “This past year was much better in the way of hail losses, obviously,” State Farm spokesman Jim Camoriano said. State Farm is Oklahoma’s largest provider of homeowners’ and auto insurance, with a market share of nearly 28 percent and 21 percent, respectively, according to the state Insurance Department’s 2014 annual report. Texas filed the most hail claims last year, with 51,193, followed by Illinois (43,821 claims); Colorado (42,365); Missouri (23,019); and Nebraska (21,326). Hail damage to homes and cars insured by State Farm totaled $2.4 billion in 2014. While hail storms most frequently strike the Great Plains and Midwest, every state is susceptible, State Farm said. According to National Oceanic and Atmospheric Administration’s Severe Storm database, the states that typically have the highest hail risk include Colorado, Iowa, Kansas, Minnesota, Missouri, Nebraska, Oklahoma, South Dakota, Texas and Wyoming. Peak months for high hail activity are historically March, April, May and June, the NOAA said.

The post Oklahoma Home Insurance Claims Decrease in 2014 first appeared on Statewide Insurance Agency.

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.

Oklahoma Home Insurance – Special Limits of Liability

Von Nix — Mon, 24 Nov 2014 22:54:17 +0000

Homeowner insurance policies typically limit coverage for certain types of Personal Property. Sometimes these limitations can be increased by paying additional money and sometimes another policy can be purchased to provide more comprehensive coverage in that particular area. Ask your agent about the personal property limitations within your policy. While the limitations vary from company to company, the types of limitations are very similar. For example, all policies will limit coverage for theft of jewelry, losses of cash and coins and theft of firearms, just to name a few. One of the companies we represent for home insurance is Travelers Insurance and I am copying an exert from their homeowners insurance policy that states their Personal Property Limitations within their home insurance policy…. 3. Special Limits of Liability. The special limit for each category described below is the greater of the limit shown below or the special limit for such category, if any, shown in the Declarations. Such limit is the total limit for each loss for all property in that category. These special limits do not increase the Coverage C limit of liability. a. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards. b. $1,500 on securities, accounts, deeds, evidence of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace or restore the information from the lost or damaged material. c. $1,500 on watercraft of all types, including their trailers, furnishings, equipment and outboard engines or motors. d. $1,500 on trailers or semitrailers not used with watercraft of all types. e. $1,500 for loss by theft of jewelry, watches, furs, precious and semiprecious stones. f. $2,500 for loss by theft of firearms and related equipment. g. $2,500 for loss by theft of silverware, silverplated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold, platinum or pewter. h. $5,000 on property, on the “residence premises”, used primarily for “business” purposes. i. $1,500 on property, away from the “residence premises”, used primarily for “business” purposes. However, this limit does not apply to loss to electronic apparatus and accessories described in category j. below. j. $1,500 on electronic apparatus and accessories, while in or upon a “motor vehicle”, but only if the apparatus is equipped to be operated by power from the “motor vehicle’s” electrical system while still capable of being operated by other power sources. k. $250 on tapes, records, discs or other media that can be used with any electronic apparatus, while in or upon a “motor vehicle”.

The post Oklahoma Home Insurance – Special Limits of Liability first appeared on Statewide Insurance Agency.

Ordering Mexican Food at Outback

Von Nix — Tue, 26 Feb 2013 02:30:52 +0000

Statewide specializes in homeowners insurance and auto insurance to the Oklahoma City area. Specializing enables us to be more effecient, more effective and just “better than most” at what we do. I think most consumers are tired of companies and sales people trying to sell them more products and services than you want just because they may have your attention (or your email address). Buying health insurance from the agent that sold you car insurance is usually like ordering mexican food at Outback! http://www.okstatewide.com

The post Ordering Mexican Food at Outback first appeared on Statewide Insurance Agency.