Home Insurance Tips for First-Time Homebuyers in Oklahoma City: What to Look For

Posted on October 30, 2024October 28, 2024 by admin

As a first-time homebuyer in Oklahoma City, OK, finding the right home insurance policy is crucial for protecting your investment. Living in Oklahoma City comes with unique weather-related risks that need to be considered when insuring your property. At S & S Insurance Services Inc., we can help you find a home insurance policy that meets all your yearly needs.

Compare Coverage Types

When shopping for home insurance in Oklahoma City, it’s important to compare different types of coverage. Traditional policies typically cover foundational, structural, and internal damage. Depending on the specifics of your policy, they may also cover damage to personal property.

Windstorm and Tornado Damage

Oklahoma is known for its risk of natural disasters, such as windstorms and potentially life-threatening tornadoes. If you live in tornado alley, it’s critical to ensure your home insurance policy covers all areas of your home, including during wind, hail, and tornado storms.

Flood Insurance

Most standard home insurance policies do not include flood insurance. Even if you’re not located in a designated flood zone in Oklahoma City, it’s advisable to consider a policy add-on that protects against flash floods. The National Flood Insurance Program (NFIP) is a good place to start when looking for flood insurance.

Finding the best home insurance policy as a first-time homebuyer in Oklahoma City, OK, is essential, especially if you want to protect your investment as much as possible. If you’re new to shopping for insurance or want to learn more about your options and add-ons for your home insurance policy, S & S Insurance Services Inc. can help. For more information on your home insurance options in Oklahoma City, OK, contact S & S Insurance Services Inc. today.

High Risk Drivers: What Are My Options?

Posted on September 30, 2024September 29, 2024 by admin

Being a high-risk driver often means paying higher premiums for auto insurance due to factors like traffic violations, less driving experience, or driving a high-value car. High-risk drivers usually face elevated premiums as insurance companies want to ensure potential future incidents are covered sufficiently. However, in Oklahoma City, OK, you don’t necessarily have to settle for limited auto insurance plans. At S & S Insurance Services Inc., we believe you should have access to reasonably priced premiums, and we’re here to discuss your options.

Nonstandard Insurance Companies

One avenue for high-risk drivers is to align with nonstandard insurers. Essentially, these auto insurance companies specialize in insuring drivers with less-than-perfect driving records. These companies tend to assume a higher likelihood of accidents, leading to higher premiums. However, they are less likely to deny coverage based on poor driving history.

Defensive Driving Courses

Another strategy to lower premiums is to complete defensive driving courses. These courses can be handy, particularly for drivers with prior accidents or a consistent record of driving incidents. They not only equip drivers with safer driving skills but can also help convince your insurance company to lower your premiums.

Insurance Bundling

Many insurance plans offer the opportunity to bundle different types of coverage. For instance, you might be allowed to bundle auto and home insurance. By bundling, you could secure a lower premium.

Get Auto Insurance in OKC at S & S Insurance Services

Being a high-risk driver doesn’t mean you’re stuck paying high premiums. There are ways to negotiate lower costs. By employing theabovementioned strategiese, drivers can manage affordable coverage while staying protected. If you’re in Oklahoma City, OK, and want to learn more about your options, consider consulting with a S & S Insurance Services Inc. representative today.

Why Every Boater Needs to Have Boat Insurance

Posted on August 30, 2024August 29, 2024 by admin

When you have a boat, you have a great way to get in some recreation time. However, boaters face certain risks. Everyone who has a boat needs to consider these risks and ensure they have insurance to protect themselves against them. They need different types of coverage in a boating insurance policy to have the required coverage in case of accidents and other incidents. When you own a boat that needs to be insured, call us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Types of Coverage You Need

When you get boat insurance, it’s much like getting car insurance. Boat insurance isn’t required, but it’s needed just as much as auto insurance. When you get a policy, there are different types of coverage to choose from. Perhaps the most important type of coverage to have is liability. This covers various types of damage that can be done with your boat. This can include property damage liability and bodily injury liability. Both of these types are badly needed by anyone who owns a boat because of the high possible cost of accidents. If someone is injured, you would be liable for all of the damage to the other craft and any medical bills resulting from injuries.

Boating Accidents

Many people don’t think much about boat accidents when they go out on the water, but boating accidents are common. It’s possible to have a boat accident that causes a lot of damage and injures multiple people. A serious accident can be costly.

Get Your Boat Insurance

When you need boat insurance to protect yourself and your assets, call us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Coverage you may want to have in addition to your basic auto coverage

Posted on July 30, 2024July 31, 2024 by admin

Understanding Auto Insurance with S & S Insurance Services Inc., Oklahoma City, OK

In Oklahoma, the most basic form of auto insurance is liability coverage, designed to protect other drivers from damage you may cause in an accident. The standard coverage is valued at 25/50/25, meaning $25,000 for injuries to one person, a total of $50,000 for all injuries, and $25,000 for property damage. At S & S Insurance Services Inc., located in Oklahoma City, OK, our dedicated team of independent insurance agents prioritizes the needs of our customers.

Collision Coverage

Collision coverage protects your vehicle when you have an accident with another vehicle or a stationary object. It covers repairs or replacement of your vehicle if you are at fault. This coverage has a deductible that you will need to pay before the insurance company starts covering the repair cost. Collision coverage also protects your vehicle in the event of a hit-and-run.

Comprehensive Coverage

Comprehensive coverage is designed for incidents that are beyond your control, such as weather events, theft, vandalism, and collisions with a large animal like a deer. It also has a deductible, which you are responsible for paying.

Full Glass Coverage

While glass coverage is included in comprehensive coverage, it usually comes with a deductible. However, there is no deductible when you add full glass coverage.

Roadside Assistance Coverage

Roadside assistance coverage is similar to the coverage provided by an auto club. It caters to situations like tire repairs or replacement, refueling if your vehicle runs out of gas, or unlocking your vehicle if you accidentally lock yourself out.

Rental Car Coverage

If your vehicle is damaged in an accident for which you are responsible, rental car coverage could provide you with a rental car while your car is in the shop for repairs.

Oklahoma City, OK residents and the surrounding area can count on our dedicated staff at S & S Insurance Services Inc. for all their auto insurance needs. Please don’t hesitate to give us a call today.

What’s Stopping You From Getting a Car Insurance Quote?

Posted on June 28, 2024June 24, 2024 by admin

It may increase your peace of mind. It may improve your coverage. It could even save you money. Yet, many people resist checking car insurance rates.

If you live in the Oklahoma City, OK, area, S & S Insurance Services Inc. wants to ask, “What’s stopping you from getting a car insurance quote?”

"Getting quotes is a hassle."

At S & S Insurance Services Inc., we do the legwork for you. We get the quotes, and you get to make the decision.

"Changing car insurance companies takes a lot of effort."

We can help with that, too. We can make the transition to a new provider easy and seamless.

"All insurance companies are the same."

That’s not true. Many of our clients have been surprised at the number of options they have and the improved coverage that may be available.

"It’s not worth the effort."

Some clients have found that they save hundreds of dollars annually.

"I’ll just leave it alone."

"Leaving it alone" may not be "good enough." If it’s been years since you’ve compared car insurance rates, you could be in for a pleasant surprise. Reach out to us today.

Get your auto quote now.

Are you letting a phone call or a few clicks on the computer stop you from enjoying the benefits of better car insurance rates or improved coverage? We encourage you to contact us at S & S Insurance Services Inc., serving Oklahoma City, OK. We can review your current policy, answer your questions, and provide a quote. What’s stopping you? Contact us today!

What to Know As a First-Time Boat Insurance Buyer in Oklahoma City

Posted on May 31, 2024June 7, 2024 by admin

When you think about boating, Oklahoma City, OK, probably isn’t the first place that comes to mind. However, there are many places to enjoy the water, even in this landlocked state! If you’re considering buying a boat, you’ll need to consider boat insurance. So, what do you need to know about purchasing boat insurance for the first time in Oklahoma City?

Keep It Separate From Your Home Insurance

Many home insurance policies offer boat coverage since they’re typically stored on your private property. However, getting a separate boat policy is usually a good idea. That’s because these specialized policies offer more coverage for marine-related risks and a wider range of waterways, which most home insurance policies do not include.

Boat Insurance Can Get Complicated

Researching boat insurance can be overwhelming due to the wide variety of policies. These policies vary drastically depending on your boat type, whether it’s Coast Guard-certified, where you plan to use it, and many other factors. The good news is that an insurance professional can guide you through the process, ensuring you get the best coverage for your needs.

Some Factors Can Decrease Your Premium

If you’re concerned about high insurance premiums, don’t worry. A certified insurance agent can help you identify factors that can reduce your premium. Planning to store your boat in a facility over winter? Or only want to sail in fresh water? These and other factors can decrease your rates and save you some money.

Start With S & S Insurance Services Inc.

S & S Insurance Services Inc. proudly serves the Oklahoma City, OK, area with various insurance policies. Contact us today to schedule an appointment!

Why You Need Liability Protection in Your Home Insurance

Posted on April 26, 2024April 17, 2024 by admin

Every homeowner needs to be protected with home insurance. It’s an essential type of policy, including many different kinds of coverage. It contains coverage that protects the dwelling, coverage that protects your possessions in the home, and coverage that protects you against liability. Many people don’t know they have liability coverage in their home policy, but it’s there in case it’s needed. If you need a home insurance policy or have questions about it, call us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Accidents at Home

Your liability coverage in your home policy is there in case someone has an accident or gets injured. If someone from outside your household comes to your property and gets injured while there, you would be responsible for those injuries. You would have to pay for all of the bills that come from the person being injured. This can include their lost wages, legal costs, and medical bills. The high cost of medical bills alone is important to be protected against. When you have this coverage, it will pay for the costs for which you’re liable.

Home Insurance Coverage

It’s important to ensure that your home insurance has enough of this coverage in case someone has a severe accident. If a person has serious injuries, paying for all the bills can be extremely expensive. The amount of liability coverage that you have should be enough to pay for serious injuries. Talk to us about your liability coverage and how much you need to be well-protected.

Get Home Insurance

When you need a home policy, contact us to find out more. Call us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Mistakes People Make When Submitting an Auto Insurance Claim

Posted on March 29, 2024March 29, 2024 by admin

Oklahoma City, OK residents rely on companies like S & S Insurance Services Inc. to provide robust auto insurance policies. Having insurance, however, also involves knowing how to submit a claim so that your request processes smoothly and correctly. Let’s look at common mistakes to avoid during claim submission.

Understanding Your Auto Insurance Policy

Are you well-versed in your policy’s inclusions? Many people are not and end up filing claims for elements not covered under their policy. For instance, routine wear and tear could be mistakenly claimed. Thoroughly read your policy to understand what is covered.

Providing Evidence When Making Claims

When filing a claim, supporting your case with sufficient evidence is crucial. This might include police reports, eyewitness testimonies, and medical bills. A lack of evidence can result in claim denial.

Timely Reporting of Incidents

While it’s not a legal requirement to contact your insurance company immediately at the accident scene, it is advisable to do so. Prompt contact indicates the severity of the claim, and delaying this step might lead to claim denial.

Keeping Damaged Parts After an Accident

If you discard broken parts before filing your claim, it could create doubts. Keeping these damaged items provides further evidence and helps establish a successful claim.

Remember, We’re Here to Help

If you’re in Oklahoma City, OK, or the surrounding area and need help with your coverage options or claim submission, feel free to call us at S & S Insurance Services Inc. We aim to make the claim process as smooth as possible for our clients.

What You Should Know About Boat Wreckage Removal

Posted on February 28, 2024February 28, 2024 by admin

No one wants to think about their vessel sinking, but things happen. Accidents, boats running afloat, and damage due to severe storms. It is the legal responsibility of owners to clear away the boat and any debris in accordance with policy. Here’s what our team at S & S Insurance Services, Inc. in Oklahoma City, OK, wants you to know.

Initial Planning and Assessment

Step one in removing a wrecked boat is to assess the damage and develop a plan, which will likely require the services of a professional. They evaluate the damage, assess the possible environmental impact of the process, and make a plan that avoids as many risks as possible.

Preparation for Removal

With a plan, the salvage or removal company can prepare for the removal. This could involve stabilizing the wreckage to prevent further damage, removing hazardous materials and fluids, and getting the site ready for the arrival of equipment to get the job done.

Removal and Environmental Cleanup

It’s time for the actual removal of the vessel, and the method varies depending on the size and location of the vessel. Sometimes, the boat can be refloated and towed away, while it may be necessary to cut it up and remove it in pieces. If environmental cleanup is needed, it will be handled after removal.

Final Assessment and Closeout

A final assessment must be performed to ensure the work has been done safely. A closeout report is required indicating its removal and that the outcomes were satisfactory to all parties involved.

Get Your Boat Covered With the Right Insurance

At S & S Insurance Services Inc. in Oklahoma City, OK, we offer affordable boat insurance that covers you on the water and in incidents when wreckage removal is necessary. Contact us today for a quote.

What every new homeowner needs to know about home insurance

Posted on January 22, 2024January 24, 2024 by admin

When the excitement of finding your new home wears off, you may well realize all the things you don’t know about homeownership. One of them may be your home insurance. In Oklahoma City, OK, our team at S & S Insurance Services Inc. offers personalized service – we can help answer any questions that you may have.

Home insurance has exclusions

Home insurance covers lots of things, but it doesn’t cover everything. Like most insurance, it has exclusions. Some of the most common are:

Flooding from surface water
Earthquakes, mud or landslides, and sinkholes
Sewer backup
Wear and tear
Owner neglect
Termites
Mold
Rodents

Deductibles apply to every claim

Home insurance is not like health insurance where you have a yearly deductible. You will pay the deductible that you choose on every claim that you have. Choose a deductible that you are comfortable paying.

You have choices when choosing content coverage

Basically, there are two types of content coverage. You can choose from current value, which is what your items are worth today, taking depreciation into account, or replacement cost, which is what it costs today to replace an item.

Some content has limits on coverage

Some of the things that you own are not unlimited in coverage. Jewelry, art, cash, coins, and antiques all have limits. You need to get an appraisal and a rider to get additional coverage that you may need.

Your property is covered when you travel

If something is lost or stolen when you are away from home, it is covered by your home insurance even if it is in your car.

Schedule A Consultation Today

If you are a resident of Oklahoma City, OK, or the surrounding area, contact our office at S & S Insurance Services Inc. with your questions and any home insurance needs you have.

S & S Insurance Services, Inc.

Get a Quote