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210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

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. 

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 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. 

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. 

Four common misconceptions about home insurance

Homeowners need to be well informed so that they understand their home insurance needs. S & S Insurance Services Inc. can provide consumers with valuable information about home insurance in Oklahoma City, OK.

The following are four common misconceptions you should know about home insurance. 

Your home insurance policy will cover you for termite damage.

Termite damage can be costly, but it’s unfortunately not typically covered under a standard home insurance policy. You need to read the fine print on your policy before assuming that it will cover you for termite damage. 

Your home insurance will cover the full value of your destroyed belongings within your home.

Home insurance policies will only cover your belongings up to a certain amount. If you have a lot of especially valuable items in your home, your home insurance probably won’t cover you for their full value. 

Your home insurance will cover the full value of any stolen personal property.

Your home insurance policy will also be limited in terms of how much it compensates you for stolen items. Review your policy maximums to make sure that you can be fully covered for stolen property in your home. 

You are legally required to carry home insurance.

While it’s always best to have home insurance, it is not usually legally required. You should be required to carry home insurance if you have a mortgage on your property. However, this is a requirement of your lender and not of the state or federal government. 

Contact Us Today

Get in touch with us at S & S Insurance Services Inc. if you have questions about home insurance. We can provide you with a home insurance quote for your property in Oklahoma City, OK. 

Why you need a home inventory?

Owning a home comes with a certain amount of risk. The financial investments many people make in their home is the largest they will ever make. Even if you take the best possible care of your home, you can’t protect it from all the hazards that are out there. At S & S Insurance Services Inc. in Oklahoma City, OK, we are an independent insurance agency that allows us to provide our customers with more choices. 

Why do you need a home inventory?

When your home is damaged by a covered hazard, you will contact your carrier to file a claim. When what was lost in the damage is your content, you will need to provide the insurance company with a list of what they need to pay you for. After you have been through home damage, especially if it is catastrophic, you may find it very difficult to be able to sit down and try to remember all the things that you previously had in your home. 

How will you prove that you had a brand-new computer or a seven-year-old sofa? If you have a home inventory already prepared and stored in a safe location, it can provide all the information you need to file your claim. A good inventory will include all the items you own, organized by room and supplemented with photos, receipts, and serial numbers. The more information you have included in your inventory, the easier it will be to get insurance money from the carrier to replace these items. 

Making a home inventory takes time and is a lot of work, but the amount of stress and time that it can save if you ever need to use it, more than makes up for the initial work you need to do. 

Give Us A Call

Contact S & S Insurance Services Inc. in Oklahoma City, OK to discuss your home insurance coverage. 

Does homeowners insurance cover contractors working in your home?

S & S Insurance Services Inc. is proud to help residents living in the greater Oklahoma City, OK area with all of their insurance needs. If you have questions about homeowners insurance, we are here for you! Give us a call today and let’s discuss all of your insurance needs!

What you need to know before contractors get to work in your house

Protecting your home from damage and protecting your family from liability becomes even more important when you are about to start a major home renovation project. It’s important to make sure that you have the coverage you need before any work begins in your home.

If it’s been a while since you have carefully reviewed your policy, now is a perfect time to take it out and give it a close look. You will want to ensure that you have the liability protection you need as well as confirm that your current policy level will be sufficient to cover the increased value of your house once the project is complete.

Sometimes, it can be confusing and difficult to ascertain that your policy has the protection you need. This is when it’s a great time to turn to a local agent! They can answer any questions that you may have and address any concerns that you have about coverage. And, you will know that everything is in line before starting.  

We are here to answer all of your insurance questions!

Oklahoma City, OK area residents can count on the team at S & S Insurance Services Inc. for all of their insurance needs. If you are getting ready to start a major home improvement project, let’s make sure that you have the protection you need! Call or stop by today.

How Home Insurance Do I Need?

Most homeowners usually say it’s better to overpay insurance rather than underpay. At S & S Insurance Services Inc., we typically say that purchasing the right insurance is the best thing for your finances. While overpaying is much better than underpaying, buying too much insurance isn’t the best way to use your finances. With that in mind, let’s see the amount of home insurance sufficient for you.

Meet the lender requirements

The first step in ensuring you have enough home insurance is complying with the lender requirements. If you have a mortgage, the lender will want you to maintain insurance equivalent to or more than the mortgage balance. While meeting the lender requirements is fine, this shouldn’t be the only guide for the amount of coverage you need.

The amount of dwelling coverage needed.

How much can you afford to pay out-of-pocket when repairing or rebuilding your home? That should be your deductible. Now, regarding insuring your home, always opt for the “replacement cost value” instead of the “ actual cash value.” The replacement cost value ensures that you get the full value of your home were it to be built from scratch today. This means you incur little out-of-pocket costs if your building was totaled today.

What about liability coverage?

This is usually tricky because you never know the magnitude and time of the liability claims you will face. We typically advise homeowners to consider liability coverage between $300,000 and $500,000. However, if you are a high-net-worth individual, we recommend considering umbrella insurance or excess liability coverage.

Home insurance in Oklahoma City, OK.

Since we know figuring out your home insurance needs on your own can be challenging, we would like to partner with you to help you navigate the insurance world. Please contact S & S Insurance Services Inc. for more information. You can visit our Oklahoma City, OK offices to chat with one of our agents in person.

Why home insurance needs to be reviewed on a regular basis

Are you a homeowner in the greater area? If so, the team here at S & S Insurance Services Inc. is ready to help you with all of your insurance needs. If it’s been a while since you’ve taken a close look at your insurance policies, give us a call today and schedule a review. You’ll be glad you did!

We recommend you review your home insurance every year

Home values can change quite a lot over the years, and it only makes sense to have your home insurance policy increased along with those changes. Many times, people simply renew the same policy at the same coverage levels year after year. This can become a problem if your home value increases to the point where you no longer have adequate coverage.

A regular review can also help you remember to add additional coverage and protection. This can be relevant if you have major improvements to your home or add on an addition. Personal articles are another factor when it comes to increasing your protection. If you make any large purchases such as jewelry, artwork, or electronics, it may trigger a need for increased coverage.

There are many different factors to be considered when it comes to determining the right amount of insurance for your needs. The best way to stay on top of these important requirements is to conduct a regular review of your home insurance policy.

Schedule your review today!

S & S Insurance Services Inc. is here for homeowners in the greater Oklahoma City, OK metropolitan area. We want you to have the protection you need. Call or stop by our office today and let us review your policy to ensure you have the coverage you need.

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. 


Partner Carriers

  • Allstate
  • American Modern
  • American Specialty
  • AmWins
  • Argenia
  • Attune
  • BackNine Insurance
  • Bristol West
  • CRC
  • Encompass
  • Foremost
  • Graham-Rogers
  • Hagerty
  • IPFS
  • JimCor
  • MDOW
  • Mercury
  • MetLife
  • MJ Kelly
  • National Real Estate Insurance Group
  • OGA
  • Orchid
  • Palomar
  • Progressive
  • Protective Life
  • Openly Insurance
  • RLI
  • Safeco
  • SES Insurance
  • Sun Life
  • The Hartford
  • Travelers
  • Union Mutual