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. 

The post Home Insurance – Protecting Edmond, Norman, Moore, Oklahoma City, Guthrie and Yukon, OK first appeared on Statewide Insurance Agency.

The rising cost of home insurance in Oklahoma has all of us looking for cheap home insurance or ways to lower your homeowners insurance cost without sacrificing quality coverage.  

Did you know that almost all reputable home insurance companies in Oklahoma perform an exterior inspection of your home after you accept a quote or policy and sometimes again at the policy renewal?  A poorly maintained home will often result in an Oklahoma homeowner having to accept a home policy or home insurance company that is inferior to others on the market.  

When springtime rolls around in Oklahoma almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s something even more important to keep in mind: home maintenance.

So, when it’s time to set your clocks ahead for daylight-saving time and change the batteries in your smoke and carbon monoxide detectors, give your home a checkup, too. Here are some suggestions from the Department of Housing and Urban Development:

Interior and appliances

• Check the basement and/or crawlspace for any signs of standing water or dripping.
• Pull your dryer out and clean the exhaust hose and vent (lint found here is a common cause of house fires).
• Vacuum refrigerator/freezer coils for efficiency.
• Clean exhaust fan outlets and screens.
• Check all air filters and replace, if necessary.

Roof, siding, windows

• Check for damage to your roof and have a professional inspection, if necessary.
• Go into the attic. If there is visible moisture or discoloration, your roof might be leaking.
• Examine the paint on your siding and trim. If it is peeling, you might need new paint to protect against the effects of weather.
• Check for leaks around window and door sills. Improving your seals can lower your energy bills.

Yard and exterior

• Check for signs of rodents and other pests.
• Clean debris from gutters and downspouts, and make sure they are draining away from the home.
• Trim overhanging tree branches and shrubs.

Remember, winter weather can cause significant damage that is easy to spot, but it often results in wear and tear that homeowners can miss if they aren’t looking closely. It’s well worth it to spend a little time on home maintenance this spring, so that wear and tear doesn’t turn into something more serious.

Mapping the Future to Great Coverage

Serving: Bethany | Choctaw | Del City | Edmond | Guthrie | Midwest City | Moore | Norman | OKC | Stillwater | Tulsa | Yukon

Please keep Statewide Insurance Agency in mind as your home insurance and auto insurance needs change. Cheap home insurance is available with great service, top companies and quality coverages…. it’s what we offer every day!

The post Statewide Insurance Agency Presents first appeared on Statewide Insurance Agency.

Call us today at 405-285-2929 to get a free home insurance quote.

Some of our insurance partners include the following industry leaders:

Travelers Insurance, Safeco Insurance (a Liberty Mutual Company), Hartford Insurance, Metlife Auto and Home, Mercury Insurance, American Modern Insurance Group, National Security, Union Mutual and Foremost Insurance

Statewide Insurance Agency is independently owned and locally operated to handle your home and auto insurance needs. We serve the entire state of Oklahoma including Oklahoma City, Edmond, Yukon, OK, Norman, OK, Midwest City, Del City, Moore, OK, Guthrie, OK, Mustang, OK and home insurance in Tulsa, OK.

Statewide Insurance Agency: “Matching Customers With Companies” Call for a free home insurance quote today at 405-285-2929.

The post Home Insurance Companies We Represent first appeared on Statewide Insurance Agency.

Consumers can save money by taking the time to ask more questions about the coverage being offered on their roof surface in light of the fact that the vast majority of claims filed in Oklahoma are for wind or hail damage to roof surfaces.

Simply put, there are two ways that a roof surface claim can be paid by your insurance company.  One is known as “Replacement” and the other is known as “Actual Cash Value” (ACV).  Under Replacement, it is possible to recover the full cost of replacing your roof, less whatever deductible that you have.  Under ACV, the insurance company takes a deduction from your settlement in addition to your deductible.  This deduction is called “depreciation”.  The amount of depreciation taken is based upon how old your roof is compared to the average life of your roof.  For example, if the average life of your roof is 20 years and your roof is now 10 years old, the deduction for depreciation is 10/20, or 1/2 (50%).  Therefore, if the cost to replace the roof is $15,000, you will have a $7500 deduction (50% of $15,000) for depreciation in addition to the deduction you have for your deductible.  So, at the end of the day, you end up receiving $6000 or so on your $15,000 claim and the family vacation is on hold.  Suddenly that great home insurance deal you got two years ago isn’t looking so great.  When shopping for Oklahoma home insurance, here are some of the questions you should ask the agent………

1. Are you proposing Replacement or ACV coverage on my roof surface?
2. Is the approval of this coverage subject to an inspection?
3. Does the company change the coverage from Replacement to ACV after my roof reaches a certain age?
4. Do wind and hail claims have a separate deductible than other claims?

Von Nix, CPCU

Von, and his wife Cheryl own Statewide Insurance Agency in Edmond, Oklahoma.  Statewide is an independent insurance agency specializing in home, auto, mobile home and other personal insurance products.  They can be contacted by going to their web site, www.okstatewide.com. 

The post Know Your Roof Coverage – Oklahoma first appeared on Statewide Insurance Agency.