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210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

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. 

What is basic auto insurance and why it may not be the right choice for you

Basic auto insurance is the minimum required by the state to operate your vehicle. If you have an old vehicle with little cash value, that may be fine. At S & S Insurance Services Inc., serving the greater Oklahoma City, OK region, we are independent insurance agents, and we take our responsibility to our customers seriously. We make sure they have as much auto insurance as they need to be protected. 

In the state of Oklahoma, the basic amount of auto insurance you must have is liability coverage in the amount of 25/50/25. That will protect other drivers from you, but it doesn’t do anything to help you protect your vehicle. If you are leasing your vehicle or have a car loan, you will need to have additional insurance to protect the car. 

Beyond The Basics

If you are like most people, you count on your vehicle every day to do your regular activities of daily life. Getting to work, going to the grocery store, running errands, etc. are vital, and being without a vehicle can be a serious problem and cause a lot of stress. Not everyone has the cash necessary to pay for repairs or to replace their vehicle out of pocket. 

Comprehensive coverage and collision coverage provides protection for accidents that happen to your vehicle when no one else is responsible for the damage. It can be weather-related, it can be an accident you caused, or a one-car accident. It also covers theft, vandalism, a cracked or damaged windshield, and a whole lot more. Furthermore, it provides the peace of mind that you need when it comes to your vehicle. 

Contact Us Today

To discuss your auto insurance needs, give S & S Insurance Services Inc. in Oklahoma City, OK a call or drop by our office. 

Does Boat Insurance Protect Your Vessel From Sinking in Bad Weather?

Boat insurance is a valuable tool for helping protect your investment. Boats are subject to various risks on and off the water. Boat Insurance can help protect owners against losses and other covered events. To find out more about boat insurance policies that meet your needs, you can reach out to our experts at S & S Insurance Services Inc., serving the residence center around the Oklahoma City, OK area. 

Boat Insurance Coverage

One of the many benefits of boat insurance involves protecting you from losses resulting in your vessel sinking due to unforeseeable conditions such as bad weather. Anyone with a boat should consider getting insurance coverage to protect themselves from liability and loss. To understand more about what type of coverage best suits your needs, consult with one of our helpful insurance agents, who can provide in-depth details and cover policy terms and conditions.

Each agent strives to provide exceptional customer service by carefully assessing their situations and providing guidance when selecting insurance policies. They can also assist with the submission of documentation and personal information to obtain coverage quickly. Our agents are dedicated to assisting their customers before, during, and after the policy purchase.

Give Us A Call

Anyone interested in finding out more about boat insurance coverage or discovering quality policy options can reach out to S & S Insurance Services Inc, serving the residents in and around the Oklahoma City, OK area. Call or stop by the office to schedule a consultation and get answers to questions or professional suggestions to help ensure you get the peace of mind that comes with having reliable boat insurance protection. Enjoy your time on the water knowing you’re covered against various risks.

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. 

What are the Pros and Cons of Sharing an Auto Insurance Policy With Your Partner?

If you are starting to build a life with a partner or new potential spouse, you may find yourself wondering if you should share an auto insurance policy. Here at S & S Insurance Services Inc., providing residents in the greater Oklahoma City, OK area with auto insurance, we want to help our customers make the decision that is right for them. Learning the pros and cons of sharing a policy can help you to see if sharing a policy may be a good idea or a bad idea for you and your partner. 

Sharing an Auto Insurance Policy With Your Partner

The Cons

The biggest downside to sharing an auto insurance policy with your partner is that you can civilly be held liable if your partner causes an accident that causes more damage than your auto insurance coverage provides for. You open yourself up to this liability if you share a policy with anyone, including a partner, a spouse, or a teenage child. 

The Pros 

The biggest benefit associated with sharing an auto insurance policy with your partner is that your rates may decrease. When you combine policies, you and your partner will likely be spending less compared to each of you having your own policy. Additionally, it helps to ensure that you are both covered on each other’s vehicles, so you can freely share cars or drive each other’s vehicles. 

Contact Us Today

If you have decided to share an auto insurance policy with your partner, or you want to keep your policies separate, S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, is here to help you with all of your auto insurance needs. Call us today to obtain estimates for auto insurance products. 

How to Protect Your Boat From the Weather: 3 Easy Ways

Here in Oklahoma City, OK, we know just how treacherous the weather can be. But while we’re used to prepping our houses to take on the elements, many boat owners need to realize that their boats are just as vulnerable to the elements as their homes. As avid boaters ourselves, S & S Insurance Services Inc. is here to help you protect your vessel year-round.

3 Tips to Protect Your Boat 

Use A Boat Cover

One of the most important reasons to use a boat cover is to protect your investment. A boat left without a cover, while not in use, will lose value very rapidly. Not only will the rain damage a boat’s interior, but leaving it without a cover exposes it to the sun’s harmful rays. Boat covers are also designed to help protect from falling sticks, animals, snow, and other dangers.

Wax Regularly

Waxing your boat regularly is essential for maintaining the gel coat finish’s color, shine, and integrity. Marine waxes are durable and stand up to salt water, algae, and the sun. Boat wax also makes regular cleaning more manageable and can make it harder for grime to stick to waxed surfaces. Waxing your boat at least twice a year is essential for preventing fading, chalking, or hazing from constant sun exposure.

Winterize The Engine

If you don’t winterize your boat’s engine, the water in it will freeze and expand. This can cause cracks in the engine or the fittings. Additionally, the fuel system can break down, and the battery may not work correctly. The cost of not winterizing your boat far outweighs the cost of making it a priority.

Get Boat Insurance Today

If you’re looking for quality boat insurance in the greater Oklahoma City, OK community, look no further than S & S Insurance Services Inc. We’re a quality provider of boat insurance in the state and are here to help you get the coverage you need at a price you can afford.

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. 

Auto Insurance Terms Every Insurance Purchaser Should Familiarize Themselves With

Here at S & S Insurance Services Inc., serving the greater Oklahoma City, OK area, we have noticed that many people are unfamiliar with common lingo or terms that are used in the automobile insurance industry. Unfortunately, this can make it hard to understand specific policy information or to even select the policy that is best suited to that individual. Our agency wants to make it as easy as possible to select the right insurance policy for your needs.

Here are just a few of the auto insurance terms that every insurance purchaser should familiarize themselves with:

Liability Insurance

Liability insurance helps to cover other individuals’ cars, property, or expenses if you are at fault for an accident. Every state has a mandatory minimum liability insurance coverage amount, but you are able to purchase more than the minimum amount. 

Comprehensive Coverage

Comprehensive coverage is auto insurance coverage that covers your vehicle for events outside of accidents. This may include fire, theft or flooding. If your car is not paid off yet, you may be required by the loan company to carry comprehensive coverage. 


A deductible is an amount you will have to pay out-of-pocket, or up-front before your insurance policy pays for any remaining balance. Not every policy has the same deductible, so it is important to consider what the deductible is on a specific policy. 

Get Auto Insurance Today

If you are looking to purchase a new insurance policy, chances are, you are going to hear the terms liability insurance, comprehensive coverage, and deductible. These are just a few of the terms that are commonly used in the auto insurance industry. If you are looking to purchase a new auto insurance policy and have questions about terms, coverage, or limits, reach out to S & S Insurance Services Inc., serving the greater Oklahoma City, OK region. Let us help you find the right insurance policy for your needs. 

5 Times You’ll Be Glad You Have Boat Insurance

Boating is a great way to relax and enjoy the outdoors, but it’s important to remember that boats can also be very expensive. That’s why boat insurance is vital for any boat owner. Boat insurance can protect you financially if your boat is damaged or stolen and can also provide liability coverage if you accidentally injure someone while operating your boat. S & S Insurance Services Inc. in Oklahoma City, OK can offer expert insurance advice.

Here are five times that you’ll be glad you have boat insurance:

1. When You Are in a Boating Accident

No one wants to think about being in a boating accident, but it’s important to be prepared for the worst. If you don’t have boat insurance and are involved in an accident, you could be responsible for paying for all the damages out of your pocket. This could cost you thousands of dollars, so it’s important to ensure you’re properly protected.

2. When Your Boat Is Damaged in a Storm

Bad weather is often unpredictable. If your boat is damaged in a storm, you could be left with a hefty repair bill. Boat insurance can help pay for the repairs if your boat is damaged in a storm, so you won’t have to worry about the financial burden.

3. When Your Boat Is Stolen

Unfortunately, boat theft is a real problem. If your boat is stolen, you could be left facing a very expensive replacement cost. Boat insurance can help pay for a new boat if yours is stolen, so you won’t have to worry about the financial burden.

4. When You Damage Someone Else’s Property

Accidents can still happen even if you’re a safe and experienced boater. If you accidentally damage someone else’s property while operating your boat, you could be held liable for the damages. But if you have boat insurance, your insurer will typically cover the cost of the damages up to your policy limit. This can help protect your finances in the event of an accident.

5. In Case of a Boat Fire

No one ever wants to think about their boat catching on fire, but it’s important to be prepared for the worst. If your boat is destroyed in a fire, you could be left with a significant financial loss. Boat insurance can help reimburse you for the value of your boat so you can replace it without worrying about the cost.

Give Us A Call

Boat insurance is a vital piece of protection for any boat owner. If you don’t have boat insurance, you could be left facing a huge financial burden if your boat is damaged or stolen. If you are looking for boat insurance, S & S Insurance Services Inc. in Oklahoma City, OK can help. We offer a wide range of boat insurance policies to fit your needs, so you can rest assured knowing you’re properly protected. Contact us today to get started.


Partner Carriers

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