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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

The Cost of Cutting Corners on Insurance

At our agency, we recently worked on a quote for a homeowner who ultimately decided not to purchase from us. The reason? They didn’t like what we had to tell them. But in insurance, the truth isn’t always what people want to hear—it’s what they need to hear.

Roof Coverage: The Hidden Risk

The first red flag we noticed in their current policy was that their shingles were subject to a roof payment schedule. This meant that if they ever needed to file a roof claim, their payout would be depreciated by over 50%, on top of their deductible.

We explained that their current insurance company actually offers an endorsement for full replacement cost, which would have protected them from this costly depreciation. However, they quickly told us that they used to have that endorsement—but after a rate increase last year, they called their agent to lower their premium. Their agent removed the endorsement, without explaining that it directly affected their roof coverage. The client mistakenly believed it only inflated the home’s insured value and didn’t realize the hidden cost of this change.

Underinsured by Over $100K

Unfortunately, that wasn’t the only issue. After reviewing their policy further, we discovered that their home was underinsured by over $100,000.

Their response? They didn’t believe it would cost that much to rebuild, so they were comfortable leaving it as is.

But here’s the reality: People almost always underestimate the cost to rebuild their home.

Most homeowners arguing these numbers have never built or rebuilt a home. Even as an insurance professional, I wouldn’t make an educated guess—I rely on Reconstruction Cost Estimators. These are tools purchased by insurance companies from independent organizations specializing in construction and labor data. These estimators ensure that homes are properly insured to value based on current material and labor costs.

The Real Takeaway

So what’s the lesson here?

If you call your agent and ask them to lower your rate, make sure you understand what coverages are being removed.

Many agents focus more on keeping your business (and their commission) than ensuring you have proper protection.

The cheapest policy isn’t always the best policy—it’s about making sure you’re covered when it matters most.

Get a Coverage Checkup

Your home is one of your biggest investments. Are you confident it’s properly insured?

If you’re unsure, let’s talk. We can review your policy and help make sure you’re protected, not just paying premiums. Contact us today for a coverage review!

How Often Should I Update My Home Insurance Policy (the Answer Might Surprise You)

Homeownership is a dream for many, providing stability, security, and comfort. That’s why it’s so important to have home insurance to protect that stability and comfort. At S & S Insurance Services Inc., we help people in and around the greater Oklahoma City, OK, area protect their homes and everything they represent. Keeping your home insurance policy current is crucial, but how often should homeowners update their home insurance policy?

When Should You Update Your Home Insurance Policy?

When and how often homeowners should update their home insurance policy is common and important. Structural changes to your home, renovations, or even changes in your family size are just a few factors that can affect your home insurance policy and coverage. Given these variables, it’s recommended that homeowners update and assess their home insurance plans every one to two years. Working with an agent who can help keep you and your home protected is vital as your needs change over time.

Home Insurance Solutions for Oklahoma City Homeowners

If you live in or around Oklahoma City, OK, and have questions or need home insurance, we’re here to help. Contact us to learn more and schedule an appointment with our professional and experienced team at S & S Insurance Services Inc. for the protection your home needs and deserves today.

Why You Need to Have Collision Coverage in Your Auto Insurance

Auto insurance is a necessity for vehicle owners. It’s not only crucial for your protection, but it’s also required by law in Oklahoma. An auto insurance policy includes different types of coverage, some of which are mandatory, and some are optional. One such coverage is collision coverage. It’s important to have this type of insurance to ensure adequate coverage in case of an accident. If you need auto insurance, we’re here to help. Contact us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Understanding Collision Coverage

Collision coverage is an optional part of auto insurance that pays for damages to your vehicle after an accident. Your policy will include two types of liability coverage: bodily injury liability and property damage liability. These coverages pay for someone else’s damages if they’re involved in an accident with you. These types of coverage are required by law to ensure you can cover someone else’s expenses if you cause an accident. However, if these are the only types of coverage you have, you would have to bear the cost of repairing your own vehicle.

Protection From Financial Difficulties

Without this type of coverage, you could face serious financial difficulties after an accident. Auto repair or replacement can be extremely expensive. Going without this coverage leaves you vulnerable to thousands of dollars in repair or replacement costs. Ensure you have the protection you need by including collision coverage in your auto policy.

Securing Auto Insurance in Oklahoma City

If you don’t have auto insurance yet, don’t wait to get it. Contact us at S & S Insurance Services, Inc. in Oklahoma City, OK.

I live in Oklahoma. Am I required to carry boat insurance?

Boaters aren’t required to carry insurance. However, you may need it to use different docks and marinas. You may also need it if you are financing your boat. Aside from these reasons, boat insurance is a good idea because it provides bundled coverage in different areas. Our team at S & S Insurance Services Inc. understands that boat coverage, although optional, may not seem like a necessity. However, boat insurance provides many benefits regarding injury, liability, property damage, and more. Our Oklahoma City, OK, team is prepared to help boat owners understand the insurance benefits and get the coverage they need.

What is Boat Insurance?

Boat insurance provides financial protection for boat owners through liability, property damage and injury coverage, towing, theft, and more. You can also get coverage for your injuries and your boat’s damage as well. Many boat owners would be ill-prepared to pay for someone else’s injuries due to a boating accident where they’re found at fault. Also, many boat owners would be unprepared to pay for personal injuries and property damage. Boat insurance takes care of these situations.

I live in Oklahoma. Am I required to carry boat insurance?

No. You aren’t required to carry boat insurance according to state law. However, if you are financing your boat, your lender will likely require you to carry insurance until your boat loan is paid in full. Also, many marinas and docks require boat owners to have insurance to dock or use their marinas. Plus, having insurance if you are docking near other boat owners and using marinas is a good idea. There’s always a possibility that an accident could occur when operating your boat around other boats. Call us if you’re a boat owner with questions about boat insurance. We’re standing by.

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

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?

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

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

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?

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

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!

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