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S & S Insurance Services, Inc.

210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

Instances When Boat Insurance Won’t Cover You

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?

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

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!

Why home insurance needs to be reviewed on a regular basis

Are you a homeowner in the greater area? If so, the team here at S & S Insurance Services Inc. is ready to help you with all of your insurance needs. If it’s been a while since you’ve taken a close look at your insurance policies, give us a call today and schedule a review. You’ll be glad you did!

We recommend you review your home insurance every year

Home values can change quite a lot over the years, and it only makes sense to have your home insurance policy increased along with those changes. Many times, people simply renew the same policy at the same coverage levels year after year. This can become a problem if your home value increases to the point where you no longer have adequate coverage.

A regular review can also help you remember to add additional coverage and protection. This can be relevant if you have major improvements to your home or add on an addition. Personal articles are another factor when it comes to increasing your protection. If you make any large purchases such as jewelry, artwork, or electronics, it may trigger a need for increased coverage.

There are many different factors to be considered when it comes to determining the right amount of insurance for your needs. The best way to stay on top of these important requirements is to conduct a regular review of your home insurance policy.

Schedule your review today!

S & S Insurance Services Inc. is here for homeowners in the greater Oklahoma City, OK metropolitan area. We want you to have the protection you need. Call or stop by our office today and let us review your policy to ensure you have the coverage you need.

Roadside assistance is available as part of your auto policy

The many features and benefits available through auto policies continue to grow. S & S Insurance Services Inc. has you covered when it comes to providing auto insurance to our Oklahoma City, OK friends and neighbors. If you are looking for auto insurance, or just want to update your current policy, give us a call today.

Roadside assistance

We are all familiar with the many benefits of roadside assistance services, but did you know that this is often a feature available through your auto policy? Being stranded by the side of the road with car problems is an experience that we can all do without! But if the worst should occur, you’ll want to have this service in place. 

Roadside assistance can be a lifesaver if your car breaks down or you are involved in an accident. It can also be a great help if your car needs to be towed in for service. Now is a great time to give your auto policy a closer look to see if it provides roadside assistance. While you’re at it, why not learn more about the many features that are available to OK drivers.

Car insurance can provide you with many more benefits than liability coverage. Why not take the time to find out more about the policy options that are available to you?

Find out more today!

The team at S & S Insurance Services Inc. is proud to serve the greater Oklahoma City, OK community. We are here to help you with all of your insurance needs. Call or stop by today and find out more about the many features that are available to OK drivers. 

Important Boat Insurance Facts

S & S Insurance Services Inc. serves the Oklahoma City, OK community. We are an independent insurance agency. We strive to make sure that our clients are protected in any situation. We sit down with our clients to assess their needs. We have working relationships with multiple carriers throughout Oklahoma. This allows us to offer flexible policies.

Important Boat Insurance Facts

During the summer in Oklahoma City, OK, many residents enjoy their boats on the water and having fun. Operating a watercraft is more dangerous than you realize. Consider the benefits of boat insurance. Boat insurance covers you if you are involved in an accident while at sea. Liability coverage protects you if you are held responsible for any damages that occur. You are also covered if a passenger on your boat is injured. Boat insurance also covers you if the watercraft is vandalized or damaged due to inclement weather. Here are some other boat insurance facts to consider while searching for coverage.

Navigational Limits

Your boat insurance policy will include navigational limits. Navigational limits outline the area where you can operate your boat and still maintain coverage. If you operate your boat outside the navigational limits, you may not be protected if your boat suffers damages.

Extra Coverage

You can amend your policy to add extra coverage. This protects your boat in unique situations. If you’re having engine troubles, you can receive urgent assistance. Perhaps you plan to customize your boat or add an anchor. You can add another layer of protection to cover you if those items are damaged.

S & S Insurance Services Inc. Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.  

What Exactly Does Home Insurance Cover?

If you are a responsible homeowner, home insurance is what you need. It provides financial protection against loss due to accidents, theft, and disasters. If you are currently shopping for home insurance and want to know more about it, S & S Insurance Services Inc. serving homeowners in Oklahoma City, OK prepared a list of things that are usually covered by a standard home insurance policy:

What Is Covered By Home Insurance?

  • Structure of your home. If your home was damaged or destroyed by a hurricane, fire, lightning, hail, or other disasters listed on your policy, home insurance will cover it. However, it is important to know that standard home insurance does not pay for damages caused by earthquakes or floods.
  • Personal belongings. Your personal stuff, including furniture, electronics, and clothes are also covered by home insurance. However, a standard home insurance policy has a dollar limit, meaning that you may need additional coverage for such valuable things as jewelry or collectibles. 
  • Liability. Your home insurance also covers you against lawsuits for property damage or bodily injuries caused by you or your family members to other people. There is also no-fault medical coverage, meaning that if your visitor or guest gets injured on your property, your insurance company will cover their medical costs. 
  • Additional living expenses. If your home was damaged and is currently being repaired, your insurance company will pay for your temporary living somewhere else, as well as for your food, gas, and restaurant bills. 

If you live in Oklahoma City, OK or any other nearby town and you are looking for a reliable insurance company to buy home insurance in order to protect your home, S & S Insurance Services Inc. is ready to assist you. We will help you find the perfect home insurance based on your needs and budget. Therefore, do not hesitate to give us a call. 

How to Change Your Oklahoma Health Insurance After You Get Married

Congratulations! You’ve made a big step in your life by choosing a life partner. Now, it’s time to get all the things done that you made this step for. One of those things is taking care of the "in sickness and in health" component, and that involves changing your health care plan. 

At S & S Insurance Services Inc., we want all new couples in Oklahoma City, OK to have an easy time changing their health insurance after they get married. It’s easier than you think!

Sixty Days Later

Getting married is considered a qualifying life event in Oklahoma, which means that you have a special circumstance that will allow you to get health care when you need it. You won’t have to wait for open enrollment periods. 

After you get married, you have 60 days to change your health care plan. If you forget, you won’t be able to get health insurance until the open enrollment period begins. 

During that 60 days after your wedding, you have options for health care coverage.

Health Care Options After Your Wedding

There are a number of ways you can change your health care after your wedding. You or your spouse can add each other to your employee health care plan, get a new plan for the both of you, or get individual health care plans.

If you or your spouse is being added to a work plan, talk to your human resources department or benefits organizer as soon as possible. Your company may or may not cover some of your spouse’s or dependent’s health care coverages. You’ll at least want to get a quote. More companies today are not extending work coverage at discounts to spouses.

There are a number of health care options after your wedding.

Get a Quote

When you have just gotten married, life seems exciting and new. And it should! Don’t let health care choices bog you down. At S & S Insurance Services Inc., we help newlyweds in Oklahoma City, OK know their options, and have this matter settled quickly. Call us to discuss your choices today.

The Unique Benefits of a Commercial Insurance Policy

If you’re opening up a new company, you need to make sure that you have great insurance to protect yourself. Thankfully, we at S & S Insurance Services Inc. can provide Oklahoma City, OK, area businesses with the many benefits of high-quality commercial insurance. Here’s what you need to know about how a standard commercial insurance policy can benefit your company.

The Unique Benefits of Commercial Insurance

If you’re still on the fence about commercial insurance, it is essential to understand just how this type of policy will help you. We’re not exaggerating when we say that this option is critical for your operation. It not only protects you but helps to enhance your business operation. Commercial insurance:

  • Improves Your Contracts – Whenever you try to make contracts in the business world (such as taking out loans), you need commercial insurance to prove that you are a legitimate company. 
  • Minimize Business Failure Risks – If your company suffers from any serious operational risks, high-quality commercial insurance minimizes how much this may impact you. 
  • Enhances Your Professionalism – Most serious customers or partners will refuse to work with a business that does not have commercial insurance because this lack makes them appear unprofessional.

Beyond this benefit, an excellent commercial insurance policy helps to protect your employees, minimizes the potential financial impact of structural damage, and helps to cover you during a lawsuit. That type of comprehensive protection is just not available from any other source. 

We Have Policies for Every Business

If you want to open a new commercial insurance policy that makes sense for your needs, please contact us today at S & S Insurance Services Inc. to learn more. We serve the Oklahoma City, OK, area and provide comprehensive help that makes sense for your needs as a company.

What Does Workers Compensation Insurance Cover?

As a business owner, you have a lot to worry about, requiring you to buy various insurance policies to protect your investment. Any business with employees, despite its size, needs worker’s compensation insurance which ensures you protect your workers and yourself. If you are yet to familiarize yourself with worker’s compensation insurance, S & S Insurance Services Inc. of Oklahoma City, OK explains below what it covers.

Medical Expenses

Workers Compensation Insurance helps cover your worker’s medical bills if they suffer a work-related illness or injury. This can include a visit to the emergency room, necessary surgery, medication, and any follow-up doctor appointments. For instance, if one of your plumbers gets exposed to harmful substances, this policy covers a visit to the hospital.

Missed Wages

Your employee may need time off to recover after suffering a work-related injury or sickness. Workers Compensation insurance helps replace that lost income. Therefore, if your electrician slips and falls and cannot come to work, this policy covers some of his lost wages.

Ongoing Care

There are some work-related injuries or sicknesses that can be so serious that your employee will need continued care like physical therapy or doctor visits. This policy can help cover the cost of ongoing care.

Funeral Cost

In an unfortunate event, an employee may lose their life from a work-related accident. In such circumstances, this policy can help cover the funeral expenses of that employee and provide death benefits for the beneficiaries of your employee.

Illness

At times, your employees can get exposed to dangerous chemicals that can cause sickness. If one of your workers gets ill due to such circumstances, this policy can help cover the cost of that treatment or ongoing care.

In general, business owners in Oklahoma City, OK should consider purchasing worker’s compensation insurance. Reach out to S & S Insurance Services Inc where we are ready to help you protect your investment from a financial loss.

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