Archive for guthrie home insurance

Meet our home insurance professionals….now and at renewal

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”

 

Top 5 Homeowner Insurance Companies in Oklahoma

Oklahoma home insurance rates increased roughly 30% during a 5 year period ending in 2017 despite the fact that our weather was pretty good in 2014 – 2017.

These increases have Oklahoma homeowners scrambling to find quality home insurance with stable companies without the high cost that many insurers are still trying to charge.

In our opinion, the following 5 companies offer the greatest home insurance value in Oklahoma and, in our opinion, these companies will have the best chance of saving Oklahoma consumers money as you seek quotes for your homeowners insurance needs. All  5 of these companies offer outstanding coverage, excellent claims service,  they usually have a lower cost than competitors and they offer good rates on car and home insurance bundles.  

     1.  Progressive Insurance

     2.  Safeco Insurance ( a Liberty Mutual Company)

     3.  Travelers Insurance

     4.  State Farm Insurance

     5. Allstate Insurance   

Statewide Insurance Agency represents Progressive, Safeco and Travelers Insurance but not State Farm or Allstate.  

Statewide Insurance Agency

okstatewide.com

 

Spotlight on: Dog bite liability

Senior woman with dog inside of her house.

Overview

Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association.

According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year. Among children, the rate of dog-bite–related injuries is highest for those 5 to 9 years old. Over half of dog-bite injuries occur at home with dogs that are familiar to us.

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Dog bite liability and homeowners insurance

Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls. Others decide on a case-by-case basis, depending on whether an individual dog, regardless of its breed has been deemed vicious. Some insurers do not ask the breed of a dog owned when writing or renewing homeowners insurance and do not track the breed of dogs involved in dog bite incidents. However, once a dog has bitten someone, it poses an increased risk. In that instance, the insurance company may charge a higher premium, nonrenew the homeowner’s insurance policy or exclude the dog from coverage.

Some insurers are taking steps to limit their exposure to such losses. Some companies require dog owners to sign liability waivers for dog bites, while others charge more for owners of breeds such as pit bulls and Rottweilers and others are not offering insurance to dog owners at all. Some will cover a pet if the owner takes the dog to classes aimed at modifying its behavior or if the dog is restrained with a muzzle, chain or cage.

Homeowners insurance liability claims

  • Homeowners insurers paid out over $686 million in liability claims related to dog bites and other dog-related injuries in 2017, according to the Insurance Information Institute (I.I.I.) and State Farm®.
  • An analysis of homeowners insurance data by the I.I.I. found that the number of dog bite claims nationwide increased to 18,522 in 2017 compared to 18,123 in 2016—a 2.2 percent increase.
  • The average cost per claim for the year increased by 11.5 percent. The average cost paid out for dog bite claims nationwide was $37,051 in 2017, compared with $33,230 in 2016. The average cost per claim nationally has risen more than 90 percent from 2003 to 2017, due to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which are trending upwards.
  • California continued to have the largest number of claims in the United States, at 2,228 in 2017, an increase from 1,934 in 2016. The state with the second highest number of claims was Florida at 1,345. Florida had the highest average cost per claim at $44,700. The trend in higher costs per claim is attributable not only to dog bites but also to dogs knocking down children, cyclists, the elderly, etc., which can result in injuries that impact the potential severity of the losses.

State and local legislation

Dog owners are liable for injuries their pets cause if the owner knew the dog had a tendency to bite. In some states, statutes make the owners liable whether or not they knew the dog had a tendency to bite; in others, owners can be held responsible only if they knew or should have known their dogs had a propensity to bite. Some states and municipalities have “breed specific” statutes that identify breeds such as pit bulls as dangerous; in others individual dogs can be designated as vicious. At least two states, Pennsylvania and Michigan, have laws that prohibit insurers from canceling or denying coverage to the owners of particular dog breeds. In Ohio, for example, owners of dogs that have been classified as vicious are required to purchase at least $100,000 of liability insurance.

The American Kennel Club reports that while many municipalities have enacted bans on specific breeds, several states have laws barring municipalities and counties from targeting individual breeds.

  • Dog owners’ liability: There are three kinds of law that impose liability on owners:
    1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation.
    2) The one-bite rule: where the dog owner is responsible for an injury caused by a dog if the owner knew the dog was likely to cause that type of injury—in this case, the victim must prove the owner knew the dog was dangerous.
    3) Negligence laws: where the dog owner is liable if the injury occurred because the dog owner was unreasonably careless (negligent) in controlling the dog.
  • Criminal penalties: On January 26, 2001, two Presa Canario dogs attacked and killed Diane Whipple in the doorway of her San Francisco, California, apartment. Marjorie Knoller, the owner of the dogs, was convicted of involuntary manslaughter for keeping a mischievous dog that killed a person. She was sentenced to four years in prison for involuntary manslaughter and was ordered to pay $6,800 in restitution. Her husband, Robert Noel, was convicted on lesser charges but also received a four-year prison sentence. Knoller became the first Californian convicted of murder for a dog’s actions. This was only the third time such charges have been upheld in the United States, the first coming in Kansas in 1997.

Charts and graphs

Estimated Number And Cost Of Dog Bite Claims Nationwide, 2003-2017 (1)

Year Value of claims ($ millions) Number of claims Average cost per claim
2003 $324.2 16,919 $19,162
2004 318.9 15,630 20,406
2005 321.1 14,295 22,464
2006 322.4 14,661 21,987
2007 356.2 14,531 24,511
2008 387.0 15,823 24,461
2009 412.0 16,586 24,840
2010 412.6 15,770 26,166
2011 490.8 16,695 29,396
2012 489.7 16,459 29,752
2013 483.7 17,359 27,862
2014 530.8 16,550 32,072
2015 571.3 15,352 37,214
2016 602.2 18,123 33,230
2017 686.3 18,522 37,051
Percent change, 2016-2017 14.0% 2.2% 11.5%
Percent change, 2003-2017 111.7% 9.5% 93.4%

(1) Includes other dog-related injuries.

Source: Insurance Information Institute, State Farm®.

View Archived Tables

Top 10 States With Estimated Number And Cost Of Dog Bite Claims, 2017 (1)

Rank State Number of claims Average cost per claim Value of claims ($ millions)
1 California 2,228 $40,563 $90.4
2 Florida 1,345 44,700 60.1
3 Pennsylvania 1,002 26,486 26.5
4 New York 957 43,479 41.6
5 Ohio 932 24,795 23.1
6 Texas 929 35,562 33.0
7 Illinois 901 36,844 33.2
8 Michigan 734 38,798 28.5
9 New Jersey 686 43,652 29.9
10 Minnesota 486 29,873 14.5
Top 10 10,200 $37,346 $380.9
Other states 8,322 $36,690 $305.3
Total United States 18,522 $37,051 $686.3

(1) Includes other dog-related injuries that have impacted claims such as fractures or other blunt force trauma injuries.

Source: Insurance Information Institute, State Farm®.

View Archived Tables

NUMBER OF U.S. HOUSEHOLDS THAT OWN A PET, BY TYPE OF ANIMAL

(millions)

Pet Number
Dog 60.2
Cat 47.1
Freshwater fish 12.5
Bird 7.9
Small animal 6.7
Reptile 4.7
Horse 2.6
Saltwater fish 2.5

Source: American Pet Products Association’s 2017-2018 National Pet Owners Survey.

View Archived Tables

TOTAL NUMBER OF PETS OWNED IN THE UNITED STATES, BY TYPE OF ANIMAL

(millions)

Pet Number
Freshwater fish 139.3
Cat 94.2
Dog 89.7
Bird 20.3
Saltwater fish 18.8
Small animal 14.0
Reptile 9.4
Horse 7.6

Source: American Pet Products Association’s 2017-2018 National Pet Owners Survey.

View Archived Tables

© Insurance Information Institute, Inc. – ALL RIGHTS RESERVED

Statewide Insurance Agency Presents

2016 Spring Maintenance Guide for Your Home

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

Facebook Google + Twitter Youtube

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!

Oklahoma Home Insurance Claims Decrease in 2014

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.

New Office of Statewide Insurance Agency

Sign2

Home Inventory

Why a Home Inventory Is Important For Every Oklahoma Homeowner Let’s try a little exercise: Can you list everything you own from memory? Didn’t think so. The fact is most homeowners own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage? Or every pair of shoes? All of it is regarded as personal property for Oklahoma home insurance purposes. And if your Oklahoma City home is destroyed by fire or some other disaster, having a list of your possessions makes filing a claim easier — and helps you put your life back together. Why should I complete a home inventory? What’s the best way? Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk through your house. Or, you can use a regular camera and create a home inventory checklist. Here are a few tips for completing and storing your inventory: Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note. Keep any receipts you have with the list to make the claims process easier. Store your video or photo inventory offsite so you won’t lose it if your house is damaged. Update your personal property records when you purchase new furnishings and valuables. Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all. How much personal property coverage do you need on your home insurance? We can assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property. You should consider getting a quote for full-value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial. (For example, a 5-year-old TV is usually worth much less than what it would cost to purchase a new one.) Finally, remember your homeowners insurance policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage. The Insurance Information Institute has a FREE online tool that can help you create your inventory. Just visit www.knowyourstuff.org for more details. We hope you’ll never need the home inventory, but preparing for the worst can prevent a lot of hassle later! Statewide Insurance Agency in Edmond, Oklahoma specializes in home insurance and auto insurance. Because we represent multiple companies we are better at matching customers to companies.

Oklahoma Home Insurance Quotes

Statewide Insurance Agency specializes in homeowner insurance quotes for all of Oklahoma, including Oklahoma City, Moore, Edmond and Norman, OK.  We also bundle car insurance quotes with the home insurance quotes in order to get the best discounts.  Call or visit https://okstatewide.com soon.    

Ordering Mexican Food at Outback

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