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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

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.

Who can benefit from umbrella insurance

Insurance generally speaking can be confusing for many people. Umbrella insurance is the most confusing of all. In most types of insurance, the names are indicative of what the insurance is covering. Umbrella insurance has nothing to do with its name, no umbrellas are insured. At S & S Insurance Services Inc. in Oklahoma City, OK are core value is to treat others as if they were our family. Our gents create lifelong real relationships.

The name umbrella insurance while confusing does describe the type of protection that it provides. Think about adversity as rain and you as your assets. The umbrella insurance keeps your assets from getting attached and lost to the things that have gone wrong. 

Umbrella insurance is liability insurance. It is not a policy you buy unless you have another policy already that has liability protection. It is additional liability above and beyond the amount on the primary policy. If you have several policies with liability, it works with all of them. 

When you are involved in an auto accident where you are at fault the injuries and the damage could go beyond the liability coverage provided by your auto policy. If you don’t have umbrella coverage, you could end up having to pay the difference out of your own pocket. And if you get sued, the judgment and legal expenses would also be on you. That could be devastating to your finances. If you own a home, you also have liability risks. 

Having excess liability coverage can benefit anyone who has any assets, you don’t have to be rich or have a lot of assets in order to want to protect them. 

Contact S & S Insurance Services Inc. in Oklahoma City, OK when you are ready to discuss how umbrella insurance can benefit you. 

How to Choose Health Insurance in Oklahoma

When it comes to protecting yourself and your loved ones from costly medical bills that can lead to financial ruin, the best option is to have health insurance. While those fortunate to have insurance through their employers or a spouse’s plan, many are left to fend for themselves. Opting to go without health insurance can result in unpaid medical bills that lead to significant financial distress. Furthermore, as of January 1, 2014, health insurance is now a requirement, and failure to carry any can result in a monetary fine from the federal government.

When it comes to purchasing health insurance, residents of Oklahoma have several convenient options. Individual coverage can be purchased via the Oklahoma federal exchange at www.healthcare.gov or an independent agency, broker, or insurance company. If needed, policies can be written to cover additional family members or just yourself. Working with an independent insurance agent like S & S Insurance Services Inc. in Oklahoma City, OK, means that you’ll receive dedicated service from one of our industry-trained insurance professionals that can walk you through your various options and help you select the right policy for your needs. With so many health insurance options to choose from, selecting one can feel overwhelming and scary. Still, fortunately, the friendly and competent team at S & S Insurance Services Inc. is ready to assist. 

With the changes brought to health insurance by the Affordable Care Act of 2010, citizens have more options in their choice of coverage and have more flexibility in what doctors are covered in the network. Choosing a health insurance policy does not have to be challenging, so give the team at S & S Insurance Services Inc. in Oklahoma City, OK a call today to learn more about your options and put yourself on the fast track for medical peace of mind.

Making your home a safer place

Having a safer home is important for homeowners of all ages. Young children and the elderly are the most vulnerable, but accidents in the home pose a danger to people of every age. Making sure you do everything to make your home a safer place is the best thing you can do to lower the accident potential in your home. Making your home safe, including dangers from outside as well as inside. At S & S Insurance Services Inc. in Oklahoma City, OK, we have an experienced team here to ensure that you get the home insurance you need to protect yourself and your home. 

Maintain your home

Lack of home maintenance poses a variety of different dangers. Whether it is a chimney in bad repair or needing to be cleaned, or faulty electrical work, you need to make sure necessary repairs are made to keep your home safe. 

Replace your batteries

Hopefully, you have smoke detectors in your home and carbon monoxide detectors. The batteries need to be changed every six months, and you should check them monthly to make sure they are operational. 

Remove trip hazards

Tripping and falling are a danger in your home. Good lighting is important and don’t leave things in hallways and on stairs that can cause a fall. Carpet needs to be tight-fitting to the floor and throw rugs are a danger to running children and the elderly. 

Make sure you have door and window locks.

Door and window locks keep danger out and those you love inside. Not only do you need to have locks, but you also need to use them every day. 

Keep poison out of reach.

Many everyday products are poisonous to children and pets. Make sure they are not where they can be reached. 

Contact S & S Insurance Services Inc. in Oklahoma City, OK with your home insurance questions.

Home insurance FAQs

Your home is the center of your family life, and protecting that center is essential. Home insurance provides a variety of different types of coverage every home should have. No matter how big or small, whether in the city or the country, your home is at risk every day. Knowing your home insurance is there for you lets you sleep peacefully at night. At S & S Insurance Services, Inc. in Oklahoma City, OK, we are locally owned and operated and work with multiple carriers to provide our customers the best possible choice. 

Why should I have home insurance?

If you have a mortgage, home insurance typically isn’t optional. It is required. Your lender will make you have enough to cover your mortgage. Beyond that, home insurance offers a variety of beneficial protections. It will not just help you rebuild your home if it is damaged or destroyed. It will help you afford to replace your contents and have a place to stay while the repairs are happening. Most importantly, it provides liability insurance which protects your assets from legal action against you.  

How should I insure my personal possessions? 

When it comes to insuring personal possessions, you have two options replacement cost or actual cash value. 

  • Replacement cost – With this coverage, you will get the amount needed to replace the item at today’s prices. 
  • Actual cash value – With this coverage, you would get the value of the item minus depreciation. 

How do I choose the right deductible?

The deductible is the amount you must pay out of pocket before your insurance policy pays. By choosing a higher deductible, you can keep your policy’s cost lower, but you run the risk of paying more out of pocket. The deductible is payable on every claim. 

Contact S & S Insurance Services, Inc. in Oklahoma City, OK for any home insurance needs you may have. 

Three mistakes to avoid when it comes to workers comp insurance

One type of insurance coverage that many business owners in Oklahoma City, OK need is workers comp insurance. We are proud to provide you with a workers comp insurance solution at S & S Insurance Services Inc.

The following are three mistakes to avoid when it comes to workers comp insurance.

Failing to monitor and track payroll well enough

Payroll is an important financial consideration for gauging and tracking your worker’s comp insurance needs. Therefore, you need to make sure that you’re carefully monitoring and tracking payroll.

Track the number of full-time, part-time, hourly, and temporary workers you have at your company. All of these considerations impact your worker’s comp insurance needs. 

Being unaware of requirements in place in your area

Perhaps one of the most important things to do before selecting your policy is to learn about any applicable workers comp requirements you need to meet.

You may be legally required to carry workers comp coverage if you have employees at your company. However, the specific requirements regarding workers comp insurance vary by state. It’s important to understand your state and municipality requirements when you’re looking for a policy.

Not making updates to improve workplace safety.

There may be some important updates you can make to your company facilities to minimize the chances that injuries will occur. Making such updates can qualify you for workers comp insurance at a reduced price while also keeping your staff members safer. 

Are you on the market for the right worker’s comp insurance policy for your company in Oklahoma City, OK? We can help you find the right solution at S & S Insurance Services Inc. Get in touch with us today to explore our policy options. 

Keeping your home safe in the winter

Keeping your home safe no matter what the season is one of the most important responsibilities of homeownership. Winter is a particularly vulnerable time. Weather is usually not on your side, and having to deal with cold, snow, sleet, and ice poses unique challenges. At S & S Insurance Services Inc. in Oklahoma City, OK, making sure your home is protected is our specialty. As independent agents, we offer a variety of home insurance products to meet your particular needs. 

Carbon monoxide

Carbon monoxide is one of the great dangers of wintertime. It has no scent, taste, or color, and you won’t even know you are being endangered. It is important for your entire family’s safety that you have a carbon monoxide detector, and it has fresh batteries before winter begins. 

Repair and clean chimney

When the temperatures drop, having a roaring fire in your fireplace is appealing. Don’t give in to that urge until you have had your chimney cleaned and any masonry issued repaired. 

Trim tree branches

Tree branches that get too close to your roof can cause damage. Winter weather with high winds and ice can damage trees. Getting branches trimmed away from your house is essential. 

Clean gutters

Water standing in gutters in the cold weather can freeze and cause damage to your roof. Having clean gutters allows rainwater to reach your downspouts. Be sure downspouts are directed away from your home.  

Make sure pipes are insulated.

Turn off water to your exterior faucets and make sure any exposed pipes are insulated to protect against freezing. 

Have sand and salt on hand

Ice is a big danger in the winter, and someone slipping and falling on your property can lead to expensive claims. Have salt and sand on hand to minimize the risk. 

Contact S & S Insurance Services Inc. in Oklahoma City, OK for all your insurance needs. 

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