Your Home & Auto Insurance questions answered

We will list below some of the top asked questions by insureds.

Do I have multiple deductibles on my home insurance? Yes most companies offer an “all perils” deductible and a separate wind/ hail deductible. Typically the wind/ hail deductible is going to be a percentage. Some companies do offer 1 deductible for all losses.

How can I save on my Home Insurance? There are multiple ways to save on Home Insurance. * * * Having a monitored Burglar and Fire Alarm is an easy way to save

* Some companies offer discounts for metal roofs

* Raising deductibles are a way to save, if that is affordable for the insured

* Advanced quote discount – if you call in advance to get a quote some companies offer a discount

* Claims free discount – not having any claims in the last 3-5 years

* Age of roof – depending on the company some companies offer a cheaper rate if you have a newer roof.

* by doing auto pay from a card or checking acct.

* Safe driving app – most all companies offer these app’s now.

* Raising the comprehensive or collision deductible as long as insured can afford

* Paperless – setting your account up to be paperless can save money

* Occupation discounts – some companies will offer discounts for various occupations

The State of Oklahoma requires a minimum amount of liability coverage of 25,000/50,000/25,000. Most Agents will always recommend to go higher than that since the value of cars is going up so much. Some companies the price to double your liability may only go up $5 a month, so It only makes sense to raise the coverage. Always talk with your Agent to see what will fit your needs and budget the best.