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210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

What every new homeowner needs to know about home insurance

When the excitement of finding your new home wears off, you may well realize all the things you don’t know about homeownership. One of them may be your home insurance. In Oklahoma City, OK, our team at S & S Insurance Services Inc. offers personalized service – we can help answer any questions that you may have. 

Home insurance has exclusions

Home insurance covers lots of things, but it doesn’t cover everything. Like most insurance, it has exclusions. Some of the most common are:

  • Flooding from surface water
  • Earthquakes, mud or landslides, and sinkholes
  • Sewer backup
  • Wear and tear
  • Owner neglect
  • Termites
  • Mold 
  • Rodents

Deductibles apply to every claim

Home insurance is not like health insurance where you have a yearly deductible. You will pay the deductible that you choose on every claim that you have. Choose a deductible that you are comfortable paying. 

You have choices when choosing content coverage

Basically, there are two types of content coverage. You can choose from current value, which is what your items are worth today, taking depreciation into account, or replacement cost, which is what it costs today to replace an item. 

Some content has limits on coverage

Some of the things that you own are not unlimited in coverage. Jewelry, art, cash, coins, and antiques all have limits. You need to get an appraisal and a rider to get additional coverage that you may need. 

Your property is covered when you travel

If something is lost or stolen when you are away from home, it is covered by your home insurance even if it is in your car. 

Schedule A Consultation Today

If you are a resident of Oklahoma City, OK, or the surrounding area, contact our office at S & S Insurance Services Inc. with your questions and any home insurance needs you have. 

Why It Makes Sense to Have Roadside Assistance Through Your Auto Policy

S & S Insurance Services Inc. is proud to serve the greater Oklahoma City, OK area community. If you need auto insurance or want to make sure that your current policy meets your needs, we can help. Contact us today to learn more about the features that are currently available with auto policies in our area.

Benefits of Having Roadside Assistance Through Your Auto Policy

There are a number of different benefits that come with adding roadside assistance to your auto policy. Here are just a few of them:

  • Cost savings – when you add this feature to your policy, the cost is very reasonable. You’ll also have one less bill to worry about paying by having a separate roadside service.
  • Seamless claims processes – using the insurer-provided roadside assistance typically means that the invoice goes directly to your insurance carrier who then pays the towing service directly. When you have to file a claim, there’s a lot to keep track of, and by using the service contained in your policy, you will have less paperwork to keep track of.
  • Reliable partners – your insurance company has a vested interest in partnering with reliable service providers. They do the vetting for you, and you can rest assured that the towing company they send to help after an accident or when your car breaks down will be dependable and provide quality work.

Contact Us Today

Drivers in Oklahoma City, OK and the surrounding areas turn to the team at S & S Insurance Services Inc. to protect their vehicles. Now’s an ideal time to stop by or give us a call to learn more.

Common Boat Insurance Myths To Watch Out For

S & S Insurance Services Inc. serves the Oklahoma City, OK community and the surrounding areas. We are committed to helping our clients find the policies they need to protect their assets. We are an independent insurance agency. We work closely with multiple carriers. This enables us to provide flexible coverage options.

Common Boat Insurance Myths

The warm weather in Oklahoma City, OK provides ample opportunities for local residents to head out on the lake in their boats. If you are a boat enthusiast, consider adding boat insurance. Boat insurance covers one of your most prized possessions. The policy provides protection if your boat is damaged in a collision or vandalized. You are also covered if you are a victim of theft. Liability coverage protects you if your boat is responsible for causing property damage or injuring someone. You’re also covered if a guest on your boat suffers an injury. All of your personal items on the boat are covered in the event that they are damaged or stolen. While looking over your boat insurance policy, pay attention to these myths.

I Don’t Need Coverage

Many people assume that their boat is covered through their home insurance policies. This is incorrect. If you want to stay protected while you’re out on the water, you need to obtain a specific boat insurance policy.

I’m Protected Anywhere

Your boat insurance policy will likely include navigational limits. These navigational limits outline the places where you are allowed to operate your boat while maintaining coverage.  Avoid operating your boat in an unprotected area.

Have Questions? Consult With Us

S & S Insurance Services Inc. is here to help you cover your assets. Schedule a consultation with us today! 

Home Security Tips for Homeowners in Oklahoma

Are you a homeowner in Oklahoma City, OK? If so, it’s essential to make sure that your home is as secure as possible. Here are a few home security tips to help you keep your family, residence, and belongings safe.

Home Security Tips

Install a Security System

A security system is one of the best ways to protect your home from intruders. Not only will a security system deter burglars, but it will also provide you with peace of mind, knowing that your home is safe.

There are a variety of security systems available on the market, so be sure to choose one that best meets your needs and budget. Some security systems include motion detectors, video surveillance, and smart home technology.

Keep Your Doors and Windows Locked

It’s important to keep your doors and windows locked at all times, even when you’re at home. This will help to deter burglars from breaking into your home.

Be sure to use quality locks on your doors and windows, and change the locks if you lose your keys. Also, consider using smart locks that can be opened with a smartphone or other electronic device.

Start a Neighborhood Watch Program

A neighborhood watch program is a great way to keep your neighborhood safe. If you’re not sure how to start a neighborhood watch program, your local police department can help.

Taking part in a neighborhood watch program can help you get to know your neighbors better, and it can also help reduce crime in your neighborhood. An insurance agent with S & S Insurance Services Inc. can help you determine the best ways to protect your home.

Install Security Lighting

Security lighting is another excellent way to deter burglars from breaking into your home. Security lighting can also help you see what’s going on outside your home, whether you’re home. Be sure to install security lighting around your home and turn the lights on at night.

Schedule A Consultation Today

If you’re a homeowner in Oklahoma City, OK, you should also review your homeowner’s insurance policy. Contact S & S Insurance Services Inc. to learn more about how to protect your home, self, and belongings.

Auto Insurance Add-Ons You Need in Oklahoma

As a driver in Oklahoma City, OK, you want to ensure you’re always protected. While basic auto insurance coverage is essential, S & S Insurance Services Inc. recommends adding these vital add-ons for peace of mind.

Uninsured/Underinsured Motorist Coverage

Even though auto insurance is mandatory in the state, many uninsured or underinsured drivers are still on the road. You may be left with significant expenses if you get into an accident with one of them. Uninsured/underinsured motorist coverage can help cover these costs, including medical bills and vehicle repairs.

Personal Injury Protection

Personal injury protection can help cover medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident. This is particularly important if you have a high deductible health insurance plan or no health insurance coverage. One key benefit of personal injury protection is that it pays regardless of who was at fault in the accident.

Comprehensive Coverage

Comprehensive coverage can help protect your vehicle from non-collision damage, such as theft, vandalism, or natural disasters. This coverage is especially crucial if you live in an area prone to storms, floods, or hurricanes.

Roadside Assistance

Breaking down on the side of the road can be stressful, especially if you’re far from home. Roadside assistance coverage can help with services like towing, jump-starts, and flat tire changes, giving you peace of mind knowing that help is just a phone call away.

Give Us A Call

At S & S Insurance Services Inc., we understand that every driver has unique needs and concerns. That’s why we offer a range of auto insurance add-ons to help give you the coverage you need. We serve drivers throughout Oklahoma City, OK and the surrounding areas. Contact us today to learn more.

Why All Boaters Need Boat Insurance

If you’re the owner of a boat, it’s important to do what you can to protect yourself and your craft. One way to do this is to get boat insurance. Boat insurance works in much the same way that auto insurance does. There are different types of coverage that are inside a boat insurance policy. It’s not required in Maryland that you have boat insurance, but it’s never a good idea to go without it when you own a boat. It’s an important way to protect yourself financially. When you need a boat policy, call us at S & S Insurance Services Inc. in Oklahoma City, OK.

Liability Coverage for Boats

The minimum coverage that you should have to protect yourself is liability coverage. This can pay for any of the medical bills or other damages that happen as a result of a boating accident that you cause. When you’re at fault for the accident, you’re liable for the other party’s medical costs as well as their property damage. Getting coverage for property damage liability and bodily injury liability will protect you financially from those costs. If you didn’t have this insurance, it could cost you thousands to pay for all of the damages caused. 

Other Boat Coverage

If you also want to cover your own boat against damages, you will need to have collision coverage. This pays for your own damages if you cause a boating accident. You might also want to add comprehensive coverage to your policy. This covers incidents that can happen to your boat when it’s not on the water.

Reach Out To Us

When you need a boat policy to protect yourself, don’t wait. Get started on a new boat policy by giving us a call at S & S Insurance Services Inc. in Oklahoma City, OK. 

Why is home insurance a good option in Oklahoma?

Those living in the Oklahoma City, OK area will know that owning a home can be a good idea. When you shop for a home and purchase one, you also need to get the right insurance. A proper home insurance plan offers various advantages and forms of coverage, making it a good option for any property owner here. 

Cover Your Assets

A great reason for anyone in the state to have a home insurance plan is to ensure their assets are covered. A property owner will have many assets, including their dwelling and a range of personal belongings. Suppose you are a victim of fire, theft, vandalism, or other scenarios that result in a loss. In that case, you will benefit greatly by having home insurance, which will support repairing or replacing your dwelling or other assets. 

Comply with Obligations

Having home insurance can also ensure that you are able to comply with obligations. Many Arvada property owners are required to carry insurance. You likely have specific insurance requirements if you have a mortgage or live in a homeowners association. Not having this coverage can have repercussions; retaining the right coverage will keep you in good standing. 

We Are Here To Help

Oklahoma City, OK can be an excellent place to purchase a home. While there are benefits to owning a home in this area, you need the proper insurance, and our team at S & S Insurance Services Inc. can help. When you call our professionals at S & S Insurance Services Inc., you will get helpful, customized support that will ensure you select and build a plan that provides the proper support and coverage. 

What is included in a comprehensive auto insurance plan?

One of the largest investments that someone in the Oklahoma City, OK area can make will come when they buy a car. If you are going to purchase a car, you will also quickly recognize that it is an asset that you will rely on daily. Accordingly, getting the right insurance is very important. One form of coverage all people here need to consider getting is comprehensive insurance.

A fully comprehensive insurance plan will provide various forms of coverage:

Theft and Vandalism Risk

One of the risks that people will face is the risk that a car could be stolen or damaged by another person with intent. If you are a victim of theft or vandalism, the cost to replace or repair your car can be significant. If you are not insured, you will need to cover these costs out of your own savings. However, with an auto insurance plan with comprehensive coverage, you will receive the support you need in these situations. 

Natural Disaster Damage

If you live in an area prone to hurricanes, tornados, or other types of natural disasters, there is always a chance your vehicle could be damaged during one of these situations. If you have a comprehensive insurance plan, you will get the support that you need in these situations. This can ensure you are able to make necessary repairs or replace the car entirely. 

Have Questions? Consult With Us

Auto insurance becomes essential when you own a vehicle in Oklahoma City, OK. To ensure you have the right coverage, it’s wise to reach out to our team with S & S Insurance Services Inc. When you contact us at S & S Insurance Services Inc., you’ll receive expert guidance and support to tailor a comprehensive insurance plan that effectively safeguards both you and your vehicle. This will keep you in good standing with any requirements and will also offer peace of mind. 

Do I Need Boat Insurance for My Small Boat?

If you own a small boat, a separate boat insurance policy is a must. Your homeowner’s insurance may cover physical damage to your rowboat or kayak. However, it may not cover injuries to other people or damage to someone else’s boat. S & S Insurance Services Inc. in Oklahoma City, OK can help you choose boat insurance coverage for your small craft.

Boat Insurance vs Homeowners Insurance 

Boat insurance is a wise investment for your small boat — even if it’s a stand-up paddleboard. Your homeowners or renters insurance may cover up to $1500 in physical damage to your boat. Liability coverage, however, is often limited to the size and horsepower of the boat and may not provide enough coverage for damage to another boat or injuries to other people.

On the other hand, boat insurance typically provides liability coverage for a collision with another watercraft, as well as injuries to other people. Accidents happen, and your small boat may cause multiple injuries and damage to a larger boat. Boat insurance, therefore, offers important protection if you own a small boat.

Choosing an Insurance Policy for a Small Boat

When you select your boat insurance policy, you can choose either actual cash value or total replacement cost coverage. Cash value is based on the market value minus depreciation of your small boat. Total loss is based on the cost of replacing your small boat at the current price. Keep in mind that small boat insurance coverage depends on the size, value, and age of the boat. 

Get In Touch

At S & S Insurance Services Inc. in Oklahoma City, OK, our licensed agents understand the importance of insuring your small boat. We’re here to answer your questions about boat insurance policies. Contact us today for a free quote. 

Four steps to remember when you’re in the process of buying home insurance

Insuring your home in Oklahoma City, OK is essential. We can provide you with a home insurance policy at S & S Insurance Services Inc. 

There are numerous steps you need to go through to find the best insurance solution as a homeowner.

Here are four steps to remember when you’re in the process of buying home insurance:

Think about your deductible amount

The deductible amount on your policy is important. Be sure to choose a deductible amount that you’ll easily be able to pay when you need to file a claim.

Insurance providers generally give policyholders numerous deductible amount options for home insurance policies. Make sure you’re aware of the possibilities and choose deductible amounts that are ideal for your situation. 

Know the coverage amounts you want

You need to get adequate coverage to protect your assets. Being a homeowner can involve some financial risks, but buying home insurance can protect your assets. 

For complete financial protection, invest in enough liability coverage to cover the total value of all of your assets. 

Shop for quotes

Don’t buy home insurance before you’ve gotten quotes from a few providers. Shopping around and comparing offers is the best way to make sure that you’re getting a competitively-priced home insurance policy that meets your needs. 

Choose a policy

Once you get a few quotes, look them over in detail. Compare not only the premium costs but also the amount of coverage you’re being offered in each individual policy. 

Schedule A Consultation Today

If you are looking for a quote on an insurance policy for your home in Oklahoma City, OK we’re here to help. Get in touch with us at S & S Insurance Services Inc. for a home insurance policy quote. 

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