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Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

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!

Why You Need Liability Protection in Your Home Insurance

Every homeowner needs to be protected with home insurance. It’s an essential type of policy, including many different kinds of coverage. It contains coverage that protects the dwelling, coverage that protects your possessions in the home, and coverage that protects you against liability. Many people don’t know they have liability coverage in their home policy, but it’s there in case it’s needed. If you need a home insurance policy or have questions about it, call us at S & S Insurance Services, Inc. in Oklahoma City, OK.

Accidents at Home

Your liability coverage in your home policy is there in case someone has an accident or gets injured. If someone from outside your household comes to your property and gets injured while there, you would be responsible for those injuries. You would have to pay for all of the bills that come from the person being injured. This can include their lost wages, legal costs, and medical bills. The high cost of medical bills alone is important to be protected against. When you have this coverage, it will pay for the costs for which you’re liable. 

Home Insurance Coverage

It’s important to ensure that your home insurance has enough of this coverage in case someone has a severe accident. If a person has serious injuries, paying for all the bills can be extremely expensive. The amount of liability coverage that you have should be enough to pay for serious injuries. Talk to us about your liability coverage and how much you need to be well-protected. 

Get Home Insurance 

When you need a home policy, contact us to find out more. Call us at S & S Insurance Services, Inc. in Oklahoma City, OK. 

Mistakes People Make When Submitting an Auto Insurance Claim

Oklahoma City, OK residents rely on companies like S & S Insurance Services Inc. to provide robust auto insurance policies. Having insurance, however, also involves knowing how to submit a claim so that your request processes smoothly and correctly. Let’s look at common mistakes to avoid during claim submission.

Understanding Your Auto Insurance Policy

Are you well-versed in your policy’s inclusions? Many people are not and end up filing claims for elements not covered under their policy. For instance, routine wear and tear could be mistakenly claimed. Thoroughly read your policy to understand what is covered.

Providing Evidence When Making Claims

When filing a claim, supporting your case with sufficient evidence is crucial. This might include police reports, eyewitness testimonies, and medical bills. A lack of evidence can result in claim denial.

Timely Reporting of Incidents

While it’s not a legal requirement to contact your insurance company immediately at the accident scene, it is advisable to do so. Prompt contact indicates the severity of the claim, and delaying this step might lead to claim denial.

Keeping Damaged Parts After an Accident

If you discard broken parts before filing your claim, it could create doubts. Keeping these damaged items provides further evidence and helps establish a successful claim.

Remember, We’re Here to Help

If you’re in Oklahoma City, OK, or the surrounding area and need help with your coverage options or claim submission, feel free to call us at S & S Insurance Services Inc. We aim to make the claim process as smooth as possible for our clients.

What You Should Know About Boat Wreckage Removal

No one wants to think about their vessel sinking, but things happen. Accidents, boats running afloat, and damage due to severe storms. It is the legal responsibility of owners to clear away the boat and any debris in accordance with policy. Here’s what our team at S & S Insurance Services, Inc. in Oklahoma City, OK, wants you to know.

Initial Planning and Assessment

Step one in removing a wrecked boat is to assess the damage and develop a plan, which will likely require the services of a professional. They evaluate the damage, assess the possible environmental impact of the process, and make a plan that avoids as many risks as possible.

Preparation for Removal

With a plan, the salvage or removal company can prepare for the removal. This could involve stabilizing the wreckage to prevent further damage, removing hazardous materials and fluids, and getting the site ready for the arrival of equipment to get the job done.

Removal and Environmental Cleanup

It’s time for the actual removal of the vessel, and the method varies depending on the size and location of the vessel. Sometimes, the boat can be refloated and towed away, while it may be necessary to cut it up and remove it in pieces. If environmental cleanup is needed, it will be handled after removal.

Final Assessment and Closeout

A final assessment must be performed to ensure the work has been done safely. A closeout report is required indicating its removal and that the outcomes were satisfactory to all parties involved.

Get Your Boat Covered With the Right Insurance

At S & S Insurance Services Inc. in Oklahoma City, OK, we offer affordable boat insurance that covers you on the water and in incidents when wreckage removal is necessary. Contact us today for a quote.

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. 

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