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Oklahoma City, OK 73149

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What are the Pros and Cons of Sharing an Auto Insurance Policy With Your Partner?

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If you are starting to build a life with a partner or new potential spouse, you may find yourself wondering if you should share an auto insurance policy. Here at S & S Insurance Services Inc., providing residents in the greater Oklahoma City, OK area with auto insurance, we want to help our customers make the decision that is right for them. Learning the pros and cons of sharing a policy can help you to see if sharing a policy may be a good idea or a bad idea for you and your partner. 

Sharing an Auto Insurance Policy With Your Partner

The Cons

The biggest downside to sharing an auto insurance policy with your partner is that you can civilly be held liable if your partner causes an accident that causes more damage than your auto insurance coverage provides for. You open yourself up to this liability if you share a policy with anyone, including a partner, a spouse, or a teenage child. 

The Pros 

The biggest benefit associated with sharing an auto insurance policy with your partner is that your rates may decrease. When you combine policies, you and your partner will likely be spending less compared to each of you having your own policy. Additionally, it helps to ensure that you are both covered on each other’s vehicles, so you can freely share cars or drive each other’s vehicles. 

Contact Us Today

If you have decided to share an auto insurance policy with your partner, or you want to keep your policies separate, S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, is here to help you with all of your auto insurance needs. Call us today to obtain estimates for auto insurance products. 

How to Protect Your Boat From the Weather: 3 Easy Ways

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Here in Oklahoma City, OK, we know just how treacherous the weather can be. But while we’re used to prepping our houses to take on the elements, many boat owners need to realize that their boats are just as vulnerable to the elements as their homes. As avid boaters ourselves, S & S Insurance Services Inc. is here to help you protect your vessel year-round.

3 Tips to Protect Your Boat 

Use A Boat Cover

One of the most important reasons to use a boat cover is to protect your investment. A boat left without a cover, while not in use, will lose value very rapidly. Not only will the rain damage a boat’s interior, but leaving it without a cover exposes it to the sun’s harmful rays. Boat covers are also designed to help protect from falling sticks, animals, snow, and other dangers.

Wax Regularly

Waxing your boat regularly is essential for maintaining the gel coat finish’s color, shine, and integrity. Marine waxes are durable and stand up to salt water, algae, and the sun. Boat wax also makes regular cleaning more manageable and can make it harder for grime to stick to waxed surfaces. Waxing your boat at least twice a year is essential for preventing fading, chalking, or hazing from constant sun exposure.

Winterize The Engine

If you don’t winterize your boat’s engine, the water in it will freeze and expand. This can cause cracks in the engine or the fittings. Additionally, the fuel system can break down, and the battery may not work correctly. The cost of not winterizing your boat far outweighs the cost of making it a priority.

Get Boat Insurance Today

If you’re looking for quality boat insurance in the greater Oklahoma City, OK community, look no further than S & S Insurance Services Inc. We’re a quality provider of boat insurance in the state and are here to help you get the coverage you need at a price you can afford.

Why you need a home inventory?

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Owning a home comes with a certain amount of risk. The financial investments many people make in their home is the largest they will ever make. Even if you take the best possible care of your home, you can’t protect it from all the hazards that are out there. At S & S Insurance Services Inc. in Oklahoma City, OK, we are an independent insurance agency that allows us to provide our customers with more choices. 

Why do you need a home inventory?

When your home is damaged by a covered hazard, you will contact your carrier to file a claim. When what was lost in the damage is your content, you will need to provide the insurance company with a list of what they need to pay you for. After you have been through home damage, especially if it is catastrophic, you may find it very difficult to be able to sit down and try to remember all the things that you previously had in your home. 

How will you prove that you had a brand-new computer or a seven-year-old sofa? If you have a home inventory already prepared and stored in a safe location, it can provide all the information you need to file your claim. A good inventory will include all the items you own, organized by room and supplemented with photos, receipts, and serial numbers. The more information you have included in your inventory, the easier it will be to get insurance money from the carrier to replace these items. 

Making a home inventory takes time and is a lot of work, but the amount of stress and time that it can save if you ever need to use it, more than makes up for the initial work you need to do. 

Give Us A Call

Contact S & S Insurance Services Inc. in Oklahoma City, OK to discuss your home insurance coverage. 

Auto Insurance Terms Every Insurance Purchaser Should Familiarize Themselves With

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Here at S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, we have noticed that many people are unfamiliar with common lingo or terms that are used in the automobile insurance industry. Unfortunately, this can make it hard to understand specific policy information or to even select the policy that is best suited to that individual. Our agency wants to make it as easy as possible to select the right insurance policy for your needs.

Here are just a few of the auto insurance terms that every insurance purchaser should familiarize themselves with:

Liability Insurance

Liability insurance helps to cover other individuals’ cars, property, or expenses if you are at fault for an accident. Every state has a mandatory minimum liability insurance coverage amount, but you are able to purchase more than the minimum amount. 

Comprehensive Coverage

Comprehensive coverage is auto insurance coverage that covers your vehicle for events outside of accidents. This may include fire, theft or flooding. If your car is not paid off yet, you may be required by the loan company to carry comprehensive coverage. 

Deductible

A deductible is an amount you will have to pay out-of-pocket, or up-front before your insurance policy pays for any remaining balance. Not every policy has the same deductible, so it is important to consider what the deductible is on a specific policy. 

Get Auto Insurance Today

If you are looking to purchase a new insurance policy, chances are, you are going to hear the terms liability insurance, comprehensive coverage, and deductible. These are just a few of the terms that are commonly used in the auto insurance industry. If you are looking to purchase a new auto insurance policy and have questions about terms, coverage, or limits, reach out to S & S Insurance Services Inc., serving the greater Oklahoma City, OK region. Let us help you find the right insurance policy for your needs. 

5 Times You’ll Be Glad You Have Boat Insurance

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Boating is a great way to relax and enjoy the outdoors, but it’s important to remember that boats can also be very expensive. That’s why boat insurance is vital for any boat owner. Boat insurance can protect you financially if your boat is damaged or stolen and can also provide liability coverage if you accidentally injure someone while operating your boat. S & S Insurance Services Inc. in Oklahoma City, OK can offer expert insurance advice.

Here are five times that you’ll be glad you have boat insurance:

1. When You Are in a Boating Accident

No one wants to think about being in a boating accident, but it’s important to be prepared for the worst. If you don’t have boat insurance and are involved in an accident, you could be responsible for paying for all the damages out of your pocket. This could cost you thousands of dollars, so it’s important to ensure you’re properly protected.

2. When Your Boat Is Damaged in a Storm

Bad weather is often unpredictable. If your boat is damaged in a storm, you could be left with a hefty repair bill. Boat insurance can help pay for the repairs if your boat is damaged in a storm, so you won’t have to worry about the financial burden.

3. When Your Boat Is Stolen

Unfortunately, boat theft is a real problem. If your boat is stolen, you could be left facing a very expensive replacement cost. Boat insurance can help pay for a new boat if yours is stolen, so you won’t have to worry about the financial burden.

4. When You Damage Someone Else’s Property

Accidents can still happen even if you’re a safe and experienced boater. If you accidentally damage someone else’s property while operating your boat, you could be held liable for the damages. But if you have boat insurance, your insurer will typically cover the cost of the damages up to your policy limit. This can help protect your finances in the event of an accident.

5. In Case of a Boat Fire

No one ever wants to think about their boat catching on fire, but it’s important to be prepared for the worst. If your boat is destroyed in a fire, you could be left with a significant financial loss. Boat insurance can help reimburse you for the value of your boat so you can replace it without worrying about the cost.

Give Us A Call

Boat insurance is a vital piece of protection for any boat owner. If you don’t have boat insurance, you could be left facing a huge financial burden if your boat is damaged or stolen. If you are looking for boat insurance, S & S Insurance Services Inc. in Oklahoma City, OK can help. We offer a wide range of boat insurance policies to fit your needs, so you can rest assured knowing you’re properly protected. Contact us today to get started.

Does homeowners insurance cover contractors working in your home?

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S & S Insurance Services Inc. is proud to help residents living in the greater Oklahoma City, OK area with all of their insurance needs. If you have questions about homeowners insurance, we are here for you! Give us a call today and let’s discuss all of your insurance needs!

What you need to know before contractors get to work in your house

Protecting your home from damage and protecting your family from liability becomes even more important when you are about to start a major home renovation project. It’s important to make sure that you have the coverage you need before any work begins in your home.

If it’s been a while since you have carefully reviewed your policy, now is a perfect time to take it out and give it a close look. You will want to ensure that you have the liability protection you need as well as confirm that your current policy level will be sufficient to cover the increased value of your house once the project is complete.

Sometimes, it can be confusing and difficult to ascertain that your policy has the protection you need. This is when it’s a great time to turn to a local agent! They can answer any questions that you may have and address any concerns that you have about coverage. And, you will know that everything is in line before starting.  

We are here to answer all of your insurance questions!

Oklahoma City, OK area residents can count on the team at S & S Insurance Services Inc. for all of their insurance needs. If you are getting ready to start a major home improvement project, let’s make sure that you have the protection you need! Call or stop by today.

How Can I Make Sure I’m Getting The Best Deal On My Auto Insurance?

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The high cost of your auto insurance might be why you are not getting sufficient coverage. However, ensuring you get the best deal on your car insurance will allow you to get adequate coverage for your vehicle and keep your insurance rate low. S & S Insurance Services Inc. offers this guide in navigating auto insurance in Oklahoma City, OK. 

Tips For Getting The Best Deal On Auto Insurance

1. Repair Your Car to Excellent Condition

Unless your vehicle is straight out of the showroom, it likely has a few problems that affect its functioning. Before seeking auto insurance, make sure that all the issues that your car might have been fixed and that it’s in tip-top condition. If your insurer inspects your car and finds it to be working perfectly, they will deem it safe and less of insurance risk. This will result in lower insurance rates. 

2. Do a Valuation for Your Car

Most cars depreciate, although each car model depreciates at a different rate. Just because other car models from the same OEM as yours are depreciating slowly or faster, it doesn’t mean that’s the case for your vehicle. At S & S Insurance Services Inc., we suggest that you do a valuation for your automobile to find its "true/actual value." Use this "true/actual value" to purchase your auto insurance. This will prevent you from incurring the unnecessary expense of insuring your car for more than its worth and paying unusually high premiums. 

3. Take a Defensive Driving Course

Taking a defensive driver course provides you with the skills and knowledge to be an outstandingly better and safer driver. When purchasing your car insurance, the insurer will offer you a massive discount if you have completed the defensive driving course, making your insurance cheaper. 

Contact Us Today

Are you a driver in Oklahoma City, OK, looking for auto insurance info or deals? Call S & S Insurance Services Inc. today, and top-notch auto insurance professionals will assist you.

Instances When Boat Insurance Won’t Cover You

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If you purchase a boat insurance policy from S & S Insurance Services Inc. in Oklahoma City, OK, it covers your boat against damage and protects you from liabilities and other risks. However, you need to know that your boat doesn’t cover you against all risks you encounter during your boat ownership.

Here are some common boat insurance exclusions:

Wear and tear

Like your standard auto insurance, boat insurance doesn’t cover the normal wear and tear of your boat. Because your boat will eventually wear down, this isn’t considered a risk by insurers. The good news is that proper maintenance of your boat may slow down the degradation of your vessel.

Mold and pest infestation

If your boat is destroyed by mold or pests, don’t file a claim with your insurance because it’s likely to be ignored. Your insurer expects you to maintain your boat properly to keep mold and pests away from your asset. Consider extermination services to eradicate pests. Also, keeping your boat dry can eliminate mold infestation.

Marine life

Most boat insurance policies don’t cover damage by marine life, including sharks, whales, and octopi. If you like boating in waters infested with unruly creatures, you need to ask your insurer for an add-on.

Faulty equipment

Standard boat insurance doesn’t cover failing parts or those due for replacement. However, if the parts are damaged in an accident or by a risk stated in your policy, your boat insurance should compensate you for the loss.

Accessories

Your boat insurance is unlikely to cover custom equipment unless it’s stated in your policy. For instance, safety jackets, GPS navigation, and boat modifications are unlikely to be covered by your boat insurance.

Give Us A Call

Need to learn more about insurance in Oklahoma City, OK? Get in touch with S & S Insurance Services Inc. for more information.

How Home Insurance Do I Need?

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Most homeowners usually say it’s better to overpay insurance rather than underpay. At S & S Insurance Services Inc., we typically say that purchasing the right insurance is the best thing for your finances. While overpaying is much better than underpaying, buying too much insurance isn’t the best way to use your finances. With that in mind, let’s see the amount of home insurance sufficient for you.

Meet the lender requirements

The first step in ensuring you have enough home insurance is complying with the lender requirements. If you have a mortgage, the lender will want you to maintain insurance equivalent to or more than the mortgage balance. While meeting the lender requirements is fine, this shouldn’t be the only guide for the amount of coverage you need.

The amount of dwelling coverage needed.

How much can you afford to pay out-of-pocket when repairing or rebuilding your home? That should be your deductible. Now, regarding insuring your home, always opt for the “replacement cost value” instead of the “ actual cash value.” The replacement cost value ensures that you get the full value of your home were it to be built from scratch today. This means you incur little out-of-pocket costs if your building was totaled today.

What about liability coverage?

This is usually tricky because you never know the magnitude and time of the liability claims you will face. We typically advise homeowners to consider liability coverage between $300,000 and $500,000. However, if you are a high-net-worth individual, we recommend considering umbrella insurance or excess liability coverage.

Home insurance in Oklahoma City, OK.

Since we know figuring out your home insurance needs on your own can be challenging, we would like to partner with you to help you navigate the insurance world. Please contact S & S Insurance Services Inc. for more information. You can visit our Oklahoma City, OK offices to chat with one of our agents in person.

Protect your boat with a comprehensive policy

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S & S Insurance Services Inc. is here for all the boat owners in the greater Oklahoma City, OK area. If you want to make sure that your vessel has the protection it needs, give us a call today! We have boat policy options that provide the coverage you need.

Benefits of comprehensive boat insurance policies

  • Liability coverage – if you are ever involved in an accident that causes damage or injuries, you’ll want to have adequate liability coverage. Without this protection, you may be personally and financially responsible for any losses or damages.
  • Protection in and out of the water – your boat may not always be in the water. You may store it at your home or at another dry dock location, or you may keep it out of the water during the winter months. Be sure your boat is covered, no matter where it may be located.
  • Added features – if you want to have the peace of mind that comes with knowing you’re protected, a comprehensive policy is worth looking into. They can provide added features and benefits such as coverage for towing services. This coverage will come in handy if you are ever stuck out on the water!

Is now the time for you to upgrade your boat policy? It always makes sense to review your options when deciding which policy is right for your needs and situations. Find out more about the many benefits of a comprehensive boat insurance policy today. You’ll be glad you did!

Don’t wait, give us a call today

Now is the perfect time to schedule a consultation with S & S Insurance Services Inc. We can help you review your options for protecting a boat in the Oklahoma City, OK area. Call today!

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