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Does Home Insurance Cover Landscaping?

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Home insurance is designed to protect us, knowing we have coverage in the event of a disaster or other incidents, like theft and vandalism. However, the structure that is our home and our belongings doesn’t constitute the entirety of our home. The surrounding property is also our home, even though home insurance doesn’t cover the land itself. That begs the question: Does home insurance cover landscaping? Let’s take a closer look at what you can expect when you buy a home insurance policy. If you’re ready to start shopping around and you need support, start your journey with us at S & S Insurance Services Inc., serving Oklahoma City, OK.

Will My Home Insurance Policy Cover Damage to Landscaping?

Most standard home insurance policies don’t cover much when it comes to landscaping, but they do provide some protection. Limited coverage may extend to certain elements, such as trees and shrubs, with claims being limited to conditions covered by your policy for other parts of your home, including fire, theft, and vandalism. There are numerous exceptions to landscaping rules. The good news? You may be able to find a policy provider who can extend additional coverage for landscaping, ensuring that all your hard work and property outside have added protection. Take care to negotiate what you want. If you can’t find it, there’s likely a policy provider out there who offers what you need to cover your home, including increased protection for trees, shrubs, plants, and other lawn features.

Start Shopping for Home Insurance with S & S Insurance Services

We here at S & S Insurance Services Inc., serving Oklahoma City, OK, enable you to shop for home insurance without the challenge of finding and comparing quotes on your own. Compare quotes with us today to find a home insurance policy that will cover your home and other crucial elements of your property.

How Collision Coverage Differs From Liability Coverage

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Auto insurance comes with a mix of terms that can sound similar, but two of the most important are collision coverage and liability coverage. Drivers in Oklahoma often carry both on their auto insurance with S & S Insurance Services Inc., serving Oklahoma City, OK; yet, each plays a very different role when accidents occur.

Collision Coverage Explained

Collision coverage is designed to repair or replace your own vehicle after an accident, regardless of who caused it. If you hit another car, a fence, or even a tree, this portion of your policy helps cover the damage to your vehicle. It is especially valuable for newer or higher-value cars, where out-of-pocket repair costs could be overwhelming.

Liability Coverage Explained

Liability coverage works differently. Instead of protecting your car, it protects you from the financial consequences of damaging someone else’s property or injuring another person in an accident you cause. Oklahoma requires drivers to carry minimum liability limits, but many people choose higher amounts to shield themselves from lawsuits or large claims better.

Why the Difference Matters

The main distinction is straightforward: collision coverage protects your vehicle, while liability coverage protects the other party. Without liability insurance, a single accident could expose you to thousands in medical bills or repair costs for someone else’s car. Without collision coverage, you would be left paying for your own vehicle’s damage out of pocket.

Collision and liability auto coverage through S & S Insurance Services Inc., serving Oklahoma City, OK, complements one another, providing drivers with well-rounded protection. One ensures your car can be repaired, while the other keeps you financially safe if you are held responsible for harming others. Together, they form the foundation of an auto policy that truly protects you from the unpredictable nature of the road. For more information about your policy terms, please contact us today.

Do You Need Insurance for Jet Skis and Personal Watercraft in Oklahoma?

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Picture a beautiful day on the water, suddenly interrupted by a collision or unexpected event. While Oklahoma law doesn’t require insurance for boats or watercraft, having coverage can protect you from costs resulting from accidents, vandalism, or fire. Contact an agent at S & S Insurance Services, Inc. to find a plan that suits your needs so that you can enjoy all your boating days worry-free.

Why Insurance Is Important

Although insurance isn’t required in Oklahoma City, OK, it’s still a smart choice for your boat or jet ski. You want to enjoy your watercraft without worrying about losing it due to fire, vandalism, theft, or an accident. A local agent can help you find coverage tailored to your needs. Keep in mind that the size and value of your vessel will influence your insurance requirements. Policies may include coverage for:

  • Bodily Injury and Property Damage: Covers accidents that injure others or damage their property.
  • Uninsured Boater: Covers damages if the at-fault party has no insurance.
  • Medical Payments: Covers medical expenses for you and your passengers resulting from an accident on the water, regardless of fault.
  • Comprehensive: Covers your vessel for damage, theft, fire, or vandalism, regardless of fault.
  • Collision: Covers your boat or watercraft after an accident with another boat or object.

Call an Experienced Oklahoma City Agent Today

If you own a boat, jet ski, or wave runner in the Oklahoma City area, one of our local agents can help you find the right policy. While insurance isn’t required by law, it provides valuable protection if your boat or watercraft is damaged, stolen, or involved in an accident. Contact S & S Insurance Services, Inc. today to speak with an agent and get started.

Does Home Insurance Cover Lightning Strike?

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Lightning can cause significant damage to your home’s electronics and even its structure. When lightning strikes, it’s reassuring to know that your insurance policy has you covered. That’s why many homeowners turn to S & S Insurance Services Inc., servicing Oklahoma City, OK. We work with multiple insurance carriers to help customers find the right coverage to protect their homes and properties. Our team is always happy to answer questions and help you understand your insurance policy.

Is Lightning Strike Covered by Home Insurance?

Most standard home insurance policies cover damage caused by lightning strikes. However, coverage can vary depending on your specific policy. To confirm whether lightning damage is included in your coverage, review your policy documents.

If you’re unable to find the information you need, contact your insurance agent. They can provide clarity and answer any questions you have about your home insurance policy.

What Else Is Covered by Home Insurance?

Coverage varies between home insurance policies, but here are some common examples of what is typically included:

  • Fire
  • Wind
  • Explosion
  • Riot
  • Theft
  • Vandalism
  • Smoke

If you have questions about additional coverage options, please consult with your insurance agent for more information.

How Do You File a Home Insurance Claim?

If your home has been damaged by a lightning strike, filing an insurance claim is one of the first steps toward recovery. To file a claim, contact your insurance representative at S & S Insurance Services Inc., servicing Oklahoma City, OK. Our courteous and professional staff are here to assist you throughout the process.

Do you need home insurance coverage? Contact us today. We work with a variety of insurance carriers to help you find the best policy tailored to your specific needs.

What Your Policy Covers in an Ice Storm

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While rare in Oklahoma City, OK, ice storms can still sweep through the area during the winter and cause significant damage to your vehicles, whether personal or commercial. Fortunately, the team at S & S Insurance Services, Inc. can help you find the protection you need to stay safe.

Why You Need More Than Collision Coverage

It’s tempting to purchase basic collision insurance and call it a day. However, collision coverage only protects you in situations where you’re at fault in an accident—it doesn’t cover damage caused by other drivers or external factors.

For example, weather-related damage, such as that caused by an ice storm, is not included in collision coverage. While collision insurance may protect your car if you slip on black ice or snow, it won’t cover damage from severe ice storms. To safeguard your vehicle against these risks, you’ll need to upgrade to comprehensive coverage.

How Comprehensive Coverage Protects Your Vehicle

Comprehensive vehicle coverage provides protection for non-collision-related issues specified in your policy. For instance, if an ice storm sweeps through the area and damages your windshield or car, comprehensive coverage can help.

Does comprehensive insurance cover ice storm damage? In most cases, yes! However, it’s essential to review your policy to ensure ice storms are included. Checking your policy details will help you avoid unexpected surprises when filing a claim.

Get the Coverage You Deserve

If you live in Oklahoma City, OK, and want to protect your vehicles from ice storm damage, contact S & S Insurance Services, Inc. today. With years of experience and a wide range of policies, we’re ready to ensure your vehicle is fully protected.

What Type of Insurance is Available for Watercraft in Oklahoma?

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Understanding Watercraft Insurance: What Do You Need?

If you’re planning to buy a recreational vehicle to enjoy and explore the lakes and rivers in Oklahoma City, OK, you’ll need to understand the insurance options available to cover potential mishaps and accidents. That’s where our agents at S & S Insurance Services Inc. can assist, ensuring you and your watercraft are adequately covered.

Insight into Watercraft Insurance

While Oklahoma doesn’t mandate insurance for watercraft, your lender will likely require it. Additionally, some marinas won’t allow boats to dock without insurance, protecting other boaters from uninsured individuals.

Varieties of Watercraft Insurance

Insurance can cover a range of watercraft, including yachts, wave runners, boats, personal watercraft like jet skis, pontoon boats, and sailboats. Insurance is also available for smaller vessels, such as fishing boats, kayaks, or canoes.

Advantages of Watercraft Insurance

Boating can sometimes involve risks. Having insurance can provide a sense of security. Key types to consider include liability, comprehensive, and collision coverage.

Liability

Liability insurance offers financial protection while boating if you’re responsible for damaging someone’s property or causing injury.

Comprehensive

Comprehensive coverage applies when your watercraft is involved in a non-collision event.

Collision

As the name suggests, collision coverage applies if your boat is involved in a collision, whether with another boat or an object.

Get in Touch

Enjoying the waterways of Oklahoma City, OK, can be safer and more fun for everyone when you’re covered with watercraft insurance. Give us a call, and our team at S & S Insurance Services Inc. will prepare you to ride the waves with a watercraft insurance policy that suits your needs.

Does a Homeowners Policy Protect Against Theft, Natural Disasters, and Security Breaches?

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As a homeowner in Oklahoma City, OK, securing the right insurance policy can help protect your investment and give you peace of mind. Understanding the full extent of your homeowners’ insurance policy coverage is crucial to avoid preventable losses. At S & S Insurance Services Inc., we’ll work with you to ensure you understand what your policy covers, including theft, natural disasters, and security breaches.

Does Homeowners Insurance Cover Theft?

Typically, homeowners’ insurance policies cover personal belongings, which often include jewelry, electronics, and, in some cases, a certain cash limit. Documenting your inventory, using a home safe, and saving receipts can help you craft a policy that suits you and your budget.

Does Homeowners Insurance Cover Natural Disasters?

With a conventional homeowners’ insurance policy in Oklahoma, only specific events and disasters are covered. A standard insurance policy may cover wind, hail, and fire damage. However, it’s essential to note that standard policies often do not cover floods, earthquakes, and other unpredictable natural disasters. These may require private insurance or flood insurance from the NFIP, or the National Flood Insurance Program.

Does Homeowners Insurance Cover Security Breaches?

If you’re concerned about security breaches, it’s important to review the details of your homeowners’ policy. Cyber liability, smart home coverage, and identity theft endorsements or add-ons may be considered for optimal protection. Discussing your needs with your agent can help you determine precisely what you need.

Reviewing your insurance policy is a way to maintain your tranquility, regardless of your location in Oklahoma. If you’re interested in enhancing your existing insurance policy or want to learn more about insurance add-ons, we can help. For homeowners in Oklahoma City, OK, S & S Insurance Services Inc. is here to help maximize your coverage and protection today.

Does Auto Insurance Cover Unexpected Flood Damage to Your Vehicles?

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Are you fully aware of what your homeowner’s insurance covers? When the unexpected happens, the last thing you want to discover is that your coverage doesn’t cover or replace the damage. The expert team at Fenzl Insurance Agency serving Hamburg, NY, encourages you to review your policy to ensure no hidden gaps leave you financially responsible. Here are some important points to keep in mind:

Natural Disasters May Not Be Included

Standard homeowner’s insurance covers common issues like fire, wind, and hail damage. However, this is not the case with floods, earthquakes, landslides, hurricanes, and wear and tear. These unexpected disasters require separate policies for coverage. Since Hamburg, NY experiences harsh seasonal weather and occasional flooding, you should consider adding these to your policy to provide peace of mind.

Home Insurance May Limit Coverage on Certain Contents

Remember that expensive, valuable belongings like your jewelry, electronics, art, and antiques might not be fully covered. Your homeowner’s policy probably has limits on how much it will cover. Consider raising or itemizing the limits on your policy to ensure they are covered.

Liability Limits May Not Be Sufficient

If someone is injured on your property, your liability insurance coverage helps pay for medical expenses and legal fees. This coverage might not cover costly, serious accidents. Increase your liability limits or add an umbrella policy for coverage.

Contact Fenzl Insurance To Review Your Homeowner’s Policy

Now that you know you might have gaps in your homeowner’s policy, it’s time to understand what is covered and what is not covered. The team at Fenzl Insurance Agency serving Hamburg, NY, is here to help you figure it all out. Contact us today.

Why You Must List All Household Members on Your Auto Insurance Policy

Posted on by Richard Shaw

Did You Know? Your Insurance Coverage Could Be at Risk!

Many people believe that permissive use automatically covers any driver who occasionally borrows a family vehicle. But insurance policies have changed! If you don’t list all household members over the age of 14, your vehicle damage claim could be denied—even if it’s your own child behind the wheel.

What Changed? New Insurance Rules You Need to Know

Most insurance companies now require all household members over 14 to be disclosed on your policy. Here’s why:

✅ Unlisted household members may not be covered for vehicle damage.
✅ Oklahoma law still requires minimum liability coverage to others, but beyond that, you could be paying out-of-pocket.
✅ Some insurers now apply “step-down limits” to permissive drivers. That means if someone outside your household borrows your car and causes an accident, your insurance might only cover state minimum liability limits, even if you have much higher coverage.

What Happens If You Don’t Disclose a Household Member?

If an unlisted household member drives your car and has an accident:

  • Your vehicle damage claim may be denied—you’d have to pay for repairs or replacement yourself.
  • Your insurer must still pay at least Oklahoma’s state minimum liability limits ($25,000 per person, $50,000 per accident) for injuries and damages to others, but no more than that.
  • If your liability limits are higher than the minimum, your insurance company may not honor the extra coverage.

💡 Example: If you have $250,000 in liability coverage, but your unlisted child causes an accident, the insurance company may only pay the state minimum of $25,000 per person—leaving you responsible for the rest!

How to Protect Yourself

🔹 List all household members age 14+ on your policy. Even if they don’t drive, they need to be designated as rated, non-rated, or excluded.
🔹 Check your policy for step-down limits on permissive use drivers.
🔹 Talk to your agent to make sure you’re fully covered!

Final Thoughts

Insurance policies are always evolving, and what worked in the past might not protect you today. If you haven’t reviewed your coverage recently, now is the time!

📞 Need a policy review? Contact us today!

Navigate Your Risks with Boat/Watercraft Insurance Solutions

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Being on the water feels more like home than anywhere else for many people. When it comes to safety, though, it doesn’t matter if you were born part fish or merely an occasional boater, staying safe in and out of the water is important. For boat owners, protecting their seaworthy vessels is often more challenging on land than at sea. These are also a few reasons boat owners in the Oklahoma City, OK area turn to the friendly and professional team at S & S Insurance Services Inc. for all their boat/watercraft insurance needs.

Navigate Your Risks with Boat/Watercraft Insurance Solutions

Other boaters, low bottoms, and rocky edges are the types of concerns that most boaters can easily navigate. However, transporting, parking, and storing our boats and watercraft may not be as easy to navigate. Most people would be surprised to discover how many boat/watercraft insurance claims are filed due to accidents out of the water versus those on the water.

The good news is that the proper boat/watercraft insurance protection covers you on land or at sea. That is also why so many boat owners in the Oklahoma City area work with the professional and knowledgeable agents at S & S Insurance Services Inc. to help with their insurance needs and questions.

Insurance Solutions for Oklahoma City Area Boat Owners

Are you a boat owner in or around Oklahoma City, OK? Would you like to learn more about boat/watercraft insurance for your seaworthy vessel? We can help. Contact us to learn more and schedule an appointment with our proven and helpful team at S & S Insurance Services Inc. today for the protection you and your boat need and deserve.

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