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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

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. 

Who can I add to my auto insurance?

Like most other states, auto insurance is required in the state of Oklahoma. If you have a family or a roommate, you may wonder if everyone needs their own auto insurance policy or if everyone can be on one? Can you cover your children if they move out of the family home? Questions like these are why you need an insurance agent you trust. At S & S Insurance Services Inc. in Oklahoma City, OK, we are always there to answer questions and provide our customers with the insurance products they need. 

You can add any family member who lives in your home to your auto insurance policy. As a matter of fact, it may be a requirement to add them depending on what insurance carrier that you have. When your teens get to the age to get a driver’s license, it time to add them to your insurance policy. But what happens when they go off to college? In most cases, a child in college who comes home on breaks and during the summer is still considered part of the family and can be included in your policy. When they graduate and move to another city and live independently, they need to get their own auto insurance policy. 

If you have a nanny, roommate, or someone who uses your car regularly but is not an immediate family member, you should discuss this with your insurance carrier to see how they suggest handling it. In most cases, the insurance is on your vehicle, not you as the main driver, so if someone is driving with your permission, they should be covered but don’t necessarily need to be added to your policy. 

Contact S & S Insurance Services Inc. in Oklahoma City, OK for all your insurance needs. We care for our customers like members of our extended family. 

What Does Boat Insurance Cover?

Maintaining boat insurance is part of being a responsible boat owner. While it isn’t required by law in Oklahoma City, Ok, it’s strongly recommended all boaters have insurance. S & S Insurance Services, Inc. provides boat insurance policies so you can enjoy carefree days on the water. 

Liability And Medical Payments Boat Insurance

Boat insurance covers motorized boats, sailboats, and personal watercraft. Liability insurance will cover the expenses if you damage another person’s property or another party is injured in an accident. It can also cover wreck removal if your boat sinks. This includes structures like boat docks and other boats. Medical coverage will cover the expenses if someone on your boat is injured. 

Property Coverage

Property coverage isn’t just for the water. It also protects your boat when it’s on land. It can be tempting to cancel or pause your coverage during the offseason, but if your boat is damaged in storage, a boat policy will cover the damages. Besides the boat itself, special equipment and accessories are usually covered.  

There are three ways to value your boat. The actual cash value is the current value of your boat. This takes depreciation into consideration. Replacement coverage is the amount it would cost to replace your boat with a similar model. Agreed upon value means you and the insurer agree on a value for the boat. 

Other Coverage Types

Uninsured watercraft coverage will pay for damages to your vessel if the person at fault in the accident doesn’t have insurance. Mechanical failure coverage provides coverage for mechanical failures. It can pay for repairs and towing your boat if it breaks down. 

If you own a boat or a personal watercraft, it’s important to have the right insurance coverage. Protect your investment and your finances by contacting S & S Insurance Services, Inc. in Oklahoma City, Ok. 

Homeowner’s Insurance

Having a homeowner’s policy may not be enough to protect you financially if you don’t have enough homeowner’s insurance. There are several factors you should consider to determine whether you have enough homeowner’s insurance. S&S Insurance Services Inc. works hard to provide Oklahoma City, OK residents with the right homeowner’s policies. 

Costs of Rebuilding

If you have made significant renovations or upgrades to your home, you may need more insurance coverage. If your home’s value has gone up, you must be sure that your coverage limits reflect this. Rising property values can also raise the value of your home significantly. 

Ideally, it would help if you were sure you have enough coverage to replace or rebuild your home. Increasing property values mean that replacing your home will be more expensive as well. If you’ve made renovations, then you’ll need enough coverage to purchase a home of equal value and quality. 

Contents Coverage

If you have recently acquired top end items, you may need a rider for your policy to provide adequate coverage. Policies place coverage limits on your personal property as a whole and also on individual items. If you’ve purchased antiques, jewelry, or art, speak with your agent to see if your policy adequately covers them. It’s also wise to add up the value of everything in your home. If it’s more than your current coverage limit, consider increasing your limit.

Liability Coverage

Liability coverage is often an afterthought for homeowners, but it’s just as important as dwelling coverage. If someone is injured on your property, you could be liable for the damages. Swimming pools and pets can increase your liability risk, and a standard policy doesn’t cover some breeds of dogs. It’s important to know your liability risk and be sure you have enough liability coverage.

At S & S Insurance Services Inc. in Oklahoma City, Ok, our agents take the time to discuss your circumstances and help you decide how much homeowner’s insurance you need. Contact us today so you can enjoy your home knowing that you are protected from potential disasters.

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