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Insurance Source Solutions

4001 E Covell, Ste 100
Edmond, OK 73034

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Featured Insurance Blog

3 Benefits of Comprehensive Boat Insurance

Insurance Source Solutions is here to serve the insurance needs of boat owners in the state of Oklahoma. If you want to increase the protection provided by your boat policy, we can help. Contact our office today to learn more about the boat policy options currently available in our area.

Main Benefits of Comprehensive Boat Insurance Policies

  1. Increased Liability Protection – no one wants to be involved in a boating accident that causes injury or property damage. More robust coverage can protect you when you’re involved in an accident.
  2. Theft and Vandalism Coverage – this type of protection isn’t included in all policy types. If you want to make sure that your craft is protected both on and off the water, consider upgrading your boat policy today.
  3. Additional Features Availability – a comprehensive boat policy can include additional features like at-sea towing service reimbursement and protection when your vessel is in storage. If you want to include these types of features and more in your coverage, a comprehensive policy is the way to go.

Our local agents are friendly and knowledgeable and are here to help you find the right boat insurance policy to meet your needs. Contact us today with any questions that you might have about your current coverage and to determine if it’s time for an upgrade to a comprehensive policy.

Now’s the Time to Upgrade to a Comprehensive Boat Policy

Oklahoma boat owners can rely on the team at Insurance Source Solutions for all their insurance needs. If you’re interested in upgrading your current policy to one that provides more comprehensive protection, we’re here to help. Give us a call today or stop by our office to learn more about our services and how we can help you protect your boat!

Should College Students Have Renters Insurance?

Renters insurance, not every tenant has it, but they should, just to be on the safe side. The same holds true for college students. Our agents at Insurance Source Solutions serving the residents of Oklahoma think that college students should strongly consider having renters insurance for several important reasons. While it may not be a legal requirement, it can provide valuable protection, along with peace of mind.

What Does Renters Insurance Cover?

For starters, renters insurance covers your personal belongings. Many college students live in off-campus housing or apartments, and their personal belongings, such as laptops, smartphones, textbooks, and clothing, can be very valuable. Renters insurance helps replace or repair these items in case of theft, fire, or other covered incidents. Without it, students may face major financial hardship if their possessions are lost or damaged.

Also, liability insurance is very important to have because you never know when something negative is going to happen. For instance, if you accidentally damage your rental property or someone else does, liability can help you to make repairs or replacements. If someone happens to get injured at your place while visiting, this type of insurance will help pay their medical bills and hopefully, help you avoid a lawsuit.

Renters insurance is one of the most affordable insurance policies there are to obtain. This means that even college students can afford it, and it is a great way to protect your belongings. 

Reach Out To Us

Get the protection you need as a college student and have the peace of mind you deserve. To create the best renters insurance policy for you and your situation, contact our agents at Insurance Source Solutions serving the residents of Oklahoma.

Securing Your Condo During a Storm

As a condo owner in Oklahoma, you have the potential to be the victim of natural disasters and storms that are common in this area. To protect your condo to the best of your ability, there are some things you can do to minimize the damage to your property. 

Securing Your Condo

1. Secure Loose Items on Balconies

Because many condos are on higher floors, balconies are provided to give that private outdoor space. It is easy to leave furniture and other items out on these balconies; these are the first items gone and causing damage in the event of a storm. Things like grills and furniture should be secured to the balcony so they aren’t moving about during the storm. 

2. Shutter your Windows

You cannot equalize the wind pressure during a tornado by opening your windows. To minimize the damage coming into your condo, you can best shut these windows with tornado-grade shutters or secure thick pieces of plywood to the windows. 

3. Seal Any Exterior Gaps

By taking a quick look around the exterior of your home, look for gaps in the siding where wind can get in. Sealing these areas with caulk and gaps to withstand the potential wind damage that could affect the condo. 

4. Secure Loose Items in Your Home

Before the storm, it is good practice to start removing anything heavy from your walls so that it can’t be thrown around in the storm and cause further damage. You will want to stack items almost like you are packing them so they are secure during the storm and you have minimal items that could be damaged during the storm. 

Insurance Source Solutions Is Here To Help

The tips above are designed to help protect your Oklahoma condo. However, the best protection you can have is your own condo insurance policy from Insurance Source Solutions. This will help you with costs and replacements after the storm. 

The Value of Umbrella Insurance

If you live, work, or play in the Oklahoma area and are looking for additional liability insurance, an umbrella policy might be the ideal affordable solution to meet your specific insurance requirements. According to the insurance professionals at Insurance Source Solutions:

  • Umbrella insurance coverage begins after the insured reaches the established limits of the existing policies.   
  • The primary purpose of umbrella insurance for Oklahoma residents is to offer extra protection in case they face a lawsuit involving damages and expenses that exceed the established limits of current insurance coverage.
  • Umbrella insurance offers a viable option to those who want to safeguard and stabilize their family’s financial future.

Understanding the Value & Benefits of Umbrella Insurance

In addition to offering what is often an invaluable peace of mind (as protection against unforeseen and often catastrophic events), the following factors should be considered for those in the market for umbrella insurance –

Risk Exposure

If your home has a pool or you own a rental property, umbrella insurance offers extra insurance should someone become injured on your property. This would also apply should the insured be employed in a profession that faces larger liability risks – a business owner, doctor, etc.

Legal Costs

Umbrella insurance pays for any potential damages the insured may be legally responsible for, but also the expenses should the insured become involved in a lawsuit.

Coverage Limits

Note that umbrella policies typically provide optional coverage amounts – typically available in increments of $1 million and more.

Schedule A Consultation Today!

The need for umbrella insurance varies based on your personal situation and objectives. For more information, Oklahoma residents should contact Insurance Source Solutions.

What Are Property Perils In Flood Insurance?

In insurance, a peril is a listed eventuality that affects a structure such as fire, storm damage, flooding, and other threats. Listed perils fit into very narrow perimeters sometimes but are covered by insurance. Flooding, though, isn’t covered under a normal homeowner’s policy, but a policy can be obtained separately.

Insurance Source Solutions in Oklahoma might have certain conditions that should be met, such as written notice of a loss, evidence of the amount of the loss, cooperation in settling the loss, and fraud prevention just to name a few. What other perils are involved in flood insurance?

Do You Need All-Risk Or Named Perils Insurance?

If your home isn’t in a flood zone, susceptible to hurricane damage, or in an earthquake zone, then you have a couple of choices. Named perils insurance lists both perils that are covered by insurance as well as those not listed. This could be good for homeowners not living in a perilous area.

All-risk insurance would be good for those homeowners who want to be prepared should an errant earthquake rattle their cages or a hurricane suddenly turn inward and cross their path. It covers all perils except war, government seizure, and nuclear threats, among others.

For those homeowners wishing to have flood insurance when it isn’t included in their homeowners’ policy, a rider is available for added consideration.

Covered Perils

Although planes, trains, and automobiles aren’t usually high on homeowners’ lists of things to insure against, they are listed as perils. Flood insurance does protect against the thawing of ice and snow and the damage caused by them, unexpected water events like burst pipes, and any other accidental event concerning water.

Oklahoma insurers such as Insurance Source Solutions are giving homeowners more and better options for insuring their structures. Not only that, but insurers will write you extra protection policies for whatever you need. Call us or pop into the office to learn more.

What will my renters insurance cover?

Renters insurance from Insurance Source Solutions is an important type of coverage that can help provide protection for your Oklahoma rental home or apartment. It can cover damage caused by natural disasters, theft, and liability for any injuries that occur in your rental property.

Knowing what your renters insurance covers is essential in case of an emergency. 

Generally, renters insurance covers the personal property inside the unit and liability for visitors, but there may be additional coverage depending on your policy. The policy should also pay for living expenses if you are forced to leave due to damage from a natural disaster or other covered event. 

When shopping for renters insurance, make sure to read the fine print carefully and ask questions about what’s covered and what’s not. Having a good understanding of your coverage will ensure that you’re properly protected in the event of an emergency. 

You should also consider purchasing additional coverage for things like flooding, earthquakes, or other disasters that may not be included in your basic policy. Many insurance companies offer riders to the policy so you can add on specific coverage as needed. 

Finally, it is important to review your renters insurance periodically and make sure that it reflects changes in your life. If you’ve purchased new furniture or electronics, make sure to increase the value of your coverage accordingly. Also, if you move or change roommates, be sure to update the policy with the new information. 

We Are Here To Help

Taking these extra steps now can help save you time and hassle later on in the event of a loss. For more information or to explore a policy that meets both your needs and your budget, give us at Insurance Source Solutions a call today. We are proud to serve Oklahoma.

Motorhome Insurance When Your Vehicle is in Storage

Most people don’t use their motorhomes year-round and typically enjoy them during the summer but store them in the winter. Since you’re not using the vehicle during that time, you may be tempted to cancel your insurance policy until you’re ready to hit the road again. However, you’re responsible for your vehicle at all times, and if it incurs damage while it’s stored away, it could cost you greatly.

Motorhome Insurance for a Stored Vehicle

So, is it necessary to keep your insurance during the off-season? The answer varies, depending on where you’re storing the vehicle, the type of vehicle, and your location. For example, if you live in an area prone to natural disasters, your vehicle will be more likely to get damaged. While it’s your decision, you should consider the risks of stopping your coverage.

Unforeseen Damages

You can’t control theft or vandalism that could occur even in a secure storage facility. Additionally, the damage could happen due to it sitting there, undriven, for months. You may only know there are issues with your motorhome once you’re ready to use it again, and without insurance, you’re the one covering the bill. Outdoor storage also poses risks, as your motorhome is exposed to potential catastrophes like flooding, falling trees or branches, hail damage, etc., which are unavoidable. 

Looking for Comprehensive Motorhome Insurance Options in Oklahoma?

You don’t need to make these decisions alone. Insurance Source Solutions can guide you through the entire process, helping you determine the type of insurance you require while your motorhome is in storage and explaining Oklahoma-specific rules and regulations.

Learn more about insurance options for your stored motorhome by calling Insurance Source Solutions today.

Are You Insured? Before Take Your RV on the Road, Read This

Oklahoma boasts picturesque landscapes, diverse wildlife, and warm, welcoming communities, making it a prime destination for RV enthusiasts. However, before hitting the open road, it’s essential to ensure that you have the appropriate coverage to protect your home on wheels. Insurance Source Solutions is your one-stop shop for all your RV insurance needs.

About RV Insurance

RV insurance is a specialized product that goes beyond the scope of standard auto insurance. It covers not only the vehicle itself but also its contents, which can be substantial in the case of an RV. In addition to liability coverage, comprehensive and collision policies are available to protect your investment from various potential hazards.

At Insurance Source Solutions, our knowledgeable agents work closely with you to determine the ideal coverage for your specific needs. With years of experience in the insurance industry, our agency understands the unique concerns of RV owners and can guide you through the process of selecting a policy that suits your requirements and budget.

One crucial factor to consider is the frequency with which you use your RV. If you’re a full-time RVer, you may require a more comprehensive policy that includes coverage for personal belongings, emergency expenses, and even specialized roadside assistance. On the other hand, if you only use your RV occasionally, a more basic policy may suffice.

In any case, partnering with us will help you navigate the complex world of RV insurance. We will take the time to understand your specific needs and recommend a tailored solution that gives you peace of mind on the open road.

Don’t leave anything to chance.

Contact Insurance Source Solutions today to protect your investment and enjoy a worry-free RV adventure through the beautiful state of Oklahoma. Call us for more information and insightful insurance tips.

Should You Drive a Motorcycle In The Rain?

If you have owned a motorcycle for any amount of time, you understand that the rules are simply different for bikers. Things that are perfectly safe for other vehicles can become a real safety challenge for bikers. This includes riding in the rain. The insurance experts at Insurance Source Solutions want to help bikers in Oklahoma not only make smart insurance choices but make smart driving choices too.

Let’s take a quick look at driving a motorcycle in the rain:

Should Bikers Drive In The Rain?

The simple answer is no. If you already know that rain is in the forecast, it is far better to simply choose a different mode of transportation. Driving a motorcycle in the rain will increase all risk factors for an accident. Obviously, there may be times when you are not aware that it is going to start raining, and you might get caught in the rain on your bike unaware. In those situations, you need to practice increased safety measures to ensure you get home safely. 

Why Is It Dangerous to Bike In The Rain?

There are several reasons why you shouldn’t drive a motorcycle in the rain. Let’s look at a few. 

There is a distinct loss of visibility when riding a bike in the rain. You do not have the benefit of a windshield and wipers to help you get through the rain safely, so you will not be able to see clearly. 

Slick roads also make biking more dangerous. Because you only have two wheels instead of four or more, you have less traction on the road and are therefore more susceptible to accidents. 

Want To Know More?

If you would like to learn about motorcycle insurance, please contact us at Insurance Source Solutions serving Oklahoma. We will be happy to help you today.  

Can I Benefit From a Boater’s Safety Course?

Insurance Source Solutions has been providing Oklahoma boat owners with insurance coverage for years. We can also provide guidance to maximize protection for your watercraft. 

Here’s Why We Recommend Taking A Boater’s Safety Course

A boater’s safety course makes you more knowledgeable in the care and handling of your boat, helping you navigate more responsibly when out on the water. In the state of Oklahoma, boat operators between the ages of 12 and 15 are required by law to take a class in boater safety when driving a vessel of over 10 horsepower. 

It is generally recommended that you seek out instruction from a curriculum that is approved by NASBLA or the National Association of State Boating Law Administrators. You can seek more information from any of our helpful Insurance Source Solutions representatives, and there are both classroom and online options. 

One immediate benefit is that you will have access to far more locations to launch your boat, as many marinas and clubs will require their guests to obtain a certificate in boater safety before allowing them to dock. 

Some boats are more complicated than others, and obtaining the necessary training to be skilled in all the functions your watercraft performs can be daunting for the novice without instruction. 

There is also a great deal of etiquette that must be practiced when coming into contact with other boats, and a boater safety course will teach you the expected standard conduct. This includes any laws that apply to boating in your location as well as common courtesy extended to other parties. In addition, you may be eligible for discounts on your insurance when your provider is presented with your notice of completion. 

Contact Us Today

We proudly serve the residents of Oklahoma and can provide you with the insurance package to suit your needs. Please reach out to us online, by phone, or stop by to speak to us in person. We look forward to working with you. 

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