Archive for Home Insurance

Generator Safety

With the cold and freezing temperatures and risk of power outages, be sure you’re aware of how to safely use a generator should you need one!

How To Log Your Personal Property In Case Of Loss

Here’s Trevon with one of our frequently asked questions. Let us know what other questions you have!

Best Home Insurance Rates in Oklahoma

Protecting your home is so important, yet it is also difficult to find the best rates. We are here to help. Get a free quote here.

One of our most frequently asked questions we get is “how do I switch home insurance companies when my current insurance is paid through my escrow account?”

It feels like a daunting task and like it can be complicated, but it truly isn’t. Once you get a quote from one of our agents and you want to switch to that company, all we need is the name of your mortgage company, and your loan number. We take it from there! We do this everyday and it is truly a seamless process.

We want you to have the lowest rate and best coverage possible. If that means switching companies and changing your escrow payments to do that, we’re happy to help. As always, reach out to us with any questions regarding this process, or get a quote here.

Home Insurance Quotes Guthrie


Why do home insurance and car insurance consumers in Guthrie choose Statewide Insurance Agency in Edmond?

The answer is Guthrie Area consumers are usually referred to us by family and friends that know and value what we have to offer….we respond quickly (phone and email), we only sell for dependable companies that pay claims without hassles, our experienced staff makes few mistakes and we are able to shop multiple companies to find the best home insurance and auto insurance package for you.

Travelers_Safeco Insurance A Liberty Mutual Company_Progressive_MetLife_Mercury Insurance_Foremost Insurance Group_American Modern_Hagerty InsuranceIf what you value is integrity, great service, stability, low prices and professional advice, please consider us as your need for home insurance quotes and car insurance quotes arise.  Here is where you can get a no-obligation quote for your home insurance needs.

10 Steps to a Safer Home

 

A safe home is essential for protecting your family, but safety stems from more than just alarms and cameras. Security products are an important piece of the safety puzzle, but the glue that holds the puzzle together is practicing safety protocols. Unless your whole family knows how to use security equipment and routinely trains for potential hazards, you may not be prepared when you need it most. Try the following tips to maintain a safe home:

1. Smoke alarms: If you don’t already have them, install smoke alarms in every room of your home. Most models chirp when the battery is running low, but if you’re on vacation when a unit chirps and it dies before you return home, you may never know that you’re unprotected. Make a new habit of manually checking the batteries on every smoke alarm in your home at least every three to six months. Take your security a step further by planning a fire escape route with your family so everyone knows the safest way out.

2. Lighting: Outdoor lighting can be an effective method of deterring theft, especially motion-sensor lighting. Thieves prefer to burgle homes that provide hiding spaces, such as lush foliage and darkness. Apart from theft deterrent, lighting indoor and outdoor areas such as stairs and foyers can prevent you and your family from tripping in the dark.

3. Locks: Many thieves enter a home through an unlocked door or window. Always lock all doors and windows when leaving the house and when sleeping. Dead bolts can be installed on main entrances as an added precaution.

4. Glass break detectors: Consider purchasing glass break detectors and installing them on your lower level windows. These inexpensive devices emit an alarm if windows are broken, which can scare thieves away.

5. Security alarm: Security alarms are a pricier, yet effective method of theft deterrent. Security companies will alert the proper authorities if your home is broken into, which offers peace of mind while you’re away. If this option is too much of a stretch for your budget, you can get a fake (yet realistic!) yard sign and/or window sticker advertising that your home is protected by a security company.

6. Security cameras: Cameras can help you monitor the happenings in and around your home, which includes keeping a watchful eye on pets, children and nannies. If a thief breaks into your home, the video footage may be what helps the police catch the culprit. Again, if this option is too expensive, you can get dummy cameras to scare away thieves.

7. Poison hazards: Children will put anything in their mouths, from fingers to toys to harmful chemicals. All medications and cleaning products should be kept in child-proofed cabinets, out of reach of small children. The same should be done with breakable and sharp objects that may harm curious little fingers.

8. Cooking hazards: Kitchens are the most common place for fire ignition in a home. Always cook with caution and keep a fire extinguisher nearby. Turn pan handles inward to avoid accidental spills, keep towels and other flammable items away from heated appliances and never leave cooking food unattended. If you have young children, explain to them that they must stay at least three feet away from the stove or oven when in use for their own safety.

9. Tripping hazards: Loose wires and clutter can cause trips and falls, which are the leading cause of home injuries. Walk around your home periodically to check for such areas and take the necessary steps. Coil wires neatly against the wall, use no-slip mats under rugs, tidy up your children’s toys, etc.

10. Social media announcements: Avoid announcing your vacations online. Anyone can interpret this information as an opportunity to rob your home. In fact, you want your home to maintain that lived-in look at all times. Ask a trusted neighbor or friend to collect your mail while you’re away and use motion-sensor lights indoors to make it seem like you’re home.

Not only are these safety measures good for the overall wellbeing of you and your family, but safe homes may be eligible for lower insurance premiums or discounts. Ask your agent if you qualify today.

Oklahoma Homeowners Catch a Break on Insurance

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.

The Top 4 Home Insurance Companies in Oklahoma

Update: 1-12-2019

The Oklahoma homeowners insurance market continues to change in Oklahoma so I’m going to revise my ranking of companies….

  1. Progressive Insurance:  They still offer an excellent value and are a good long term choice for many consumers.
  2. Travelers Insurance:  Conservative underwriting practices has resulted in fewer rate increases relative to their competition….stable and committed to Oklahoma.
  3. 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.
  4. 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.
  5. Safeco Insurance ( a Liberty Mutual Company):  They offer excellent claim service and they are very friendly to do business with.  Some of their pricing on new policies is a challenge;  however, Safeco’s car insurance is sometimes tough to beat.  As a result, auto and home bundles can still be very competitive with Safeco Insurance.

Oklahoma home insurance rates increased roughly 50% during a 5 year period ending in 2015 as homeowners embraced continuous wind and hail storms, especially within the western one-half of the state.  

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 4 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  4 of these companies offer outstanding coverage, excellent claims service and they usually have a lower cost than competitors.  

      1.   Safeco Insurance ( a Liberty Mutual Company)

      2.  Travelers Insurance

      3.  State Farm Insurance

      4. Allstate Insurance

May 5, 2018 Consumer Update:  3 of the last 4 years have been very profitable for the companies offering home insurance quotes in Oklahoma.  As a result, we are starting to see some companies offer better rates in many situations.  Also, Progressive Insurance has come into Oklahoma offering an excellent home insurance policy and oftentimes the rate is outstanding.  I have confidence that Progressive will be consistent and provide and excellent home insurance value for Oklahoma customers.  As a result, here is my new, updated rankings….

  1. Progressive Insurance
  2. Safeco Insurance ( a Liberty Mutual Company)
  3. Travelers Insurance
  4. Allstate Insurance
  5. State Farm Insurance

I have moved Allstate above State Farm because Allstate has a better home insurance cost right now.  However, long-term, State Farm will provide good value relative to other premium cost carriers, in my opinion.

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

 

CLICK HERE TO REQUEST A HOME INSURANCE QUOTE FROM STATEWIDE NOW

 


Water Damage Prevention Tips

Leaking Faucet

Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important.  The below tips should help uncover any potential water problems down the road and keep your property dry this summer.

  • Check appliance hoses.
  • Broken tiles in the shower can allow water to leak into the walls or on the floor.
    • Replace cracked tiles and re-grout when needed. 
  • Run dishwasher and washing machine only when you are home. 
    • If a leak occurs, you can turn the appliance off right away. 
  • When on vacation, turn off the main water supply to your house. 
  • Keep storm drains near your house clear of leaves. 
  • Install a gutter guard.
    • This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house. 
  • Install a water pressure gauge.
    • An inexpensive gauge can prevent damage caused by water pressure that’s too high. 
    • Pressure should be between 60 and 80 PSI. 
  • Have the correct insurance coverage.
    • We currently represent and offer free Home, Auto & Renters insurance quotes from over 10 different companies!
    • By doing so, we are able to find the company that is best for you.