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Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.  Statewide Insurance Agency can help you find the homeowner’s insurance quotes that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance Quotes for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today! 

Oklahoma– What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Statewide Insurance Agency is here to help you find the right insurance for your home

Whether you’re a home or condo owner, a renter, or a landlord,  Statewide Insurance Agency will work with you to find a home insurance quote that fits your needs. We specialize in making it easy to choose the home insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
    • Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. 

The Right Coverage. The Right Price. The Right Value

The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

  • When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Edmond, Guthrie, Oklahoma City, Yukon, Midwest City, Choctaw, Moore and Norman – Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you. 

 

 

Happy Saint Patrick’s Day

Happy Saint Patrick's Day

New Years Resolutions 2016

16 Things To Look Forward To In 2016

After closing another year…time to get organized!

  • Add Earthquake Insurance
  • Update my Home Owners Insurance Coverage
  • Add kids to the Car Policy
  • Call of visit Statewide Insurance Agency for all Home and Auto Insurance needs
Share your New Years Resolution for 2016 below:

Merry Christmas from Statewide Insurance Agency

 

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We appreciate your business and would like to wish you and your family a Merry Christmas and a Joyful New Year. 

Holiday Schedule
Christmas Eve 24th / 8:30-2 p.m.        
Christmas Day 25th / Office is Closed. 
New Years Eve 31st / 8:30-2 p.m.        
 New Years Day 1st / Office is Closed.

 Have a Safe and Happy Holiday!

Hidden Hazards in Your Home

Learn about hidden hazards in your home: Click “>here

“Mindful” Insurance Decisions

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

How do I pick an insurance company?

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company:
Licensing
Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact the state insurance department.
Price
Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet. Your state insurance department may publish a guide that shows what insurers charge for different policies in various parts of your state.
Financial Solidity
You buy insurance to protect you financially and provide peace of mind. Select a company that is likely to be financially sound for many years, by using ratings from independent rating agencies.
Service
Your insurance company and its representatives should answer your questions and handle your claims fairly, efficiently and quickly. You can get a feel for whether this is the case by talking to other customers who have used a particular company or agent. You may also want to check a national claims database to see what complaint information it has on a company. Also, your state insurance department will be able to tell you if the insurance company you are considering doing business with had many consumer complaints about its service relative to the number of policies it sold.
Comfort
You should feel comfortable with your insurance purchase, whether you buy it from a local agent, directly from the company over the phone, or over the Internet. Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.

By Insurance Information Institute http://iii.org

Oklahoma Ice Storm – Falling is Greatest Risk

We should all take extra precautions when driving on the ice;  however, we should also be aware that most serious injuries will result from people falling on their driveways, sidewalks and parking lots.  Please spread the word and keep in mind that these areas may stay slick for several days.

Here is a link to some Winter Safety Tips….How To Walk on the Ice.  http://www.co.williams.oh.us/Health%20Comm/falling_is_a_serious_concern_for.htm

 

 

 

 

 

Water Damage Oklahoma City

The most important thing you can do after you have experienced water damage is to have the water removed as quickly as possible and properly dry out your property.  Paul Davis Restoration of Northern Oklahoma City has a great reputation and they have the personnel and equipment to minimize your loss….24/7 service.  Click to web site

Oklahoma Home Insurance Safety

Keeping your home secure

Oklahoman homeowners want to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it’s home improvement or home security.

And nowadays, there are more options than ever when it comes to home security, so Statewide Insurance Agency wants to help you sort through those options with a few tips.

Do-it-yourself options

The widespread availability of electronic tools means that Oklahoma homeowners can set up their own monitoring systems if they choose, without the help of a home-security company.

  • Cameras: Smaller and more inexpensive than ever, cameras can be placed nearly anywhere on the exterior of your home and monitored from inside wirelessly — or set to record footage for review later. Available software even allows you to point your laptop camera in a particular direction (say, at the front door) and check the images from a remote location.
  • Lights: Motion-detecting floodlights are an excellent deterrent to thieves, because they don’t want to be seen. Make sure they’re installed near entryways, and that they aren’t easily reached from the ground. And using timers for interior lights is a good way to give the appearance that your home is occupied.
  • Alarms: Vibration alarms are available for windows, alerting you if someone is trying to get in. Similarly, other monitors can be installed near doors and programmed to sound if a person comes within a set distance. Some even emit barking sounds to make it appear that a dog is in the house.

Even if you aren’t interested in installing security equipment around your home, there are a number of things you can do to increase safety and keep your Oklahoma home insurance quotes at a minimum.

  • Keep your home locked. It sounds simple, but you’d be surprised how many people leave windows or doors unlocked. Make sure that sliding doors and windows have extra security, such as a track lock or dowel in the track.
  • Don’t leave a key outside. If you need to provide access to your home while you’re away, leave your key with a trusted neighbor or friend.
  • Watch the landscaping. Thick shrubs and bushes around your porch or yard can give thieves a good place to hide. Keep them well-trimmed and ensure that problematic areas can be illuminated with your outdoor lighting.
  • Use common sense. If you’re going away on vacation, cancel your newspaper and other deliveries. Ask a neighbor to keep watch, and park a car out front. Don’t post publicly on social media or leave a message on your answering machine or voicemail indicating that you’ll be away for an extended period.

Burglars really do consider deterrents such as alarms, cameras, dogs, etc., when looking at targets, according to a study released by the University of North Carolina.  So a small investment in security can make a big difference!

Sidebar:

It’s a great time for a home inventory

If your home was burglarized, would you know what was missing? A home inventory is a crucial tool to help replace everything that was lost. And we can help you do one! Give us a call at 405-285-2929 or visit our website at https://okstatewide.com  to learn more.

Contact Us!

 At Statewide Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at {agency-phone-number} or send us a note at info@okstatewide.com.  We want to help you meet your goals, and make sure what’s important to you is protected!