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4001 E Covell, Ste 100
Edmond, OK 73034

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Featured Insurance Blog

Protect Yourself from Increasing Flash Floods in OK

Understanding Flood Risk in Oklahoma

According to data from the Federal Emergency Management Agency (FEMA), certain areas with only a 1% chance of encountering a flood are classified as “high risk.” Alarmingly, there are locations in Oklahoma harboring a 26% chance of flooding over the course of a 30-year mortgage.

Flood-prone Areas in Oklahoma

Each location within the bounds of the state bears differing risk levels. Some of the most severe flood instances have been recorded in the areas surrounding Keystone Lake, West Tulsa, and Bixby. Moreover, the plucks of Oklahoma City have felt the tremors of serious water disasters.

Flood Maps and Risk Assessments

Using flood maps and risk assessments, you can find further insights about Oklahoma’s worst flood cases and risks linked with your location. Just remember, there is no such thing as zero risk, particularly concerning Oklahoma’s varied terrain.

Advice from Oklahoma City

Regardless of whether you’re a resident of Oklahoma City, the following advice is pertinent if you live in a floodplain. For thare unsure about their situation, it would be beneficial to ascertain their standing promptly.

Preventive Measures

It is strongly recommended that buildings in floodplains must maintain a minimum of one foot above the base elevation to minimize damage. These areas also need insurance, similar to the provisions offered by Insurance Source Solutions.

The Importance of Flood Insurance

In terms of insurance, it is of paramount importance to note that a basic homeowner’s insurance plan does not cover flood damage. Neither does the renter’s insurance. Also, don’t assume any other natural disaster coverage will compensate for a flood if it is not expressly included in the policy text.

Application Process and Waiting Period

Do bear in mind that there is a stipulated waiting period before your insurance coverage comes into play. Therefore, it necessitates collecting and preparing your data in anticipation of applying for a policy.

Procrastination is Not an Option

It’s crucial to act swiftly, especially for homeowners residing in floodplain regions. Delaying insurance procedures only serves to jeopardize your safety. Extend a hand towards securing the best flood insurance that fits you by contacting Insurance Source Solutions today.

Things You Didn’t Know Renters Insurance Covered

Oklahoma residents, are you aware of the full extent of protection renters insurance can offer? At Insurance Source Solutions, we’re dedicated to ensuring that renters in Oklahoma understand the comprehensive coverage available to them. While many renters may be familiar with the basics of renters insurance, there are some lesser-known benefits worth exploring.

  1. Personal Property Coverage: Renters insurance protects personal belongings within your rented space and often extends coverage to items you take outside your home as well. Whether your belongings are stolen from your car or lost while traveling, renters insurance can help reimburse you for the loss.

  2. Loss of Use Coverage: If your rented dwelling becomes uninhabitable due to a covered peril, such as fire or storm damage, loss of use coverage can be a financial lifesaver. It helps cover additional living expenses incurred while temporarily displaced, including hotel bills, restaurant meals, and other essentials.

  3. Liability Protection: Renters insurance doesn’t just shield your belongings. It also provides liability protection. If someone is injured while visiting your rented home or if you accidentally damage someone else’s property, renters insurance can help cover legal expenses, medical bills, and potential settlements.

At Insurance Source Solutions, we understand the importance of safeguarding your rented space and personal belongings in Oklahoma. Our renters insurance policies are designed to provide comprehensive coverage and peace of mind, ensuring you’re prepared for unexpected twists and turns.

Ready to explore your renter’s insurance options? Contact Insurance Source Solutions today for personalized guidance and a competitive price quote. Protect your Oklahoma rental property and belongings with reliable coverage that fits your lifestyle.

Freedom to Explore: Protecting Your Home on the Road in Oklahoma

Your Guide To Recreational Vehicle Insurance in Oklahoma

At Insurance Source Solutions, we understand your need for reassurance when it comes to your recreational vehicle. We proudly equip Oklahoma RV owners with the tools necessary to protect their movable homes. Our aim is to give you the freedom to explore without the typical hassles associated with insurance. Let’s delve into some frequently asked questions about RV insurance in Oklahoma.

Is RV Insurance Mandatory in Oklahoma?

Yes, it is. If your recreational vehicle can move under its own power, you need to secure the proper insurance policy. Our expert team is ready and willing to assist you with finding the most suitable policy. Like cars or trucks, the legal requirements are the same for RVs in Oklahoma.

What if I Lived in my RV full-time?

Different policies apply in this case. When you’re procuring insurance for your RV, you should tell us if you plan on living in it full-time. We can help you to align with the specific policy you need.

Does Usage Rate Influence Your RV Insurance?

Absolutely. The frequency of using the recreational vehicle factors into insurance needs. The more you use the RV, the more comprehensive the insurance policy should be to reflect your lifestyle.

Contact Insurance Source Solutions

At Insurance Source Solutions, we help guide prospective and existing Oklahoma RV owners. If you have more inquiries or concerns about your recreational vehicle insurance policy, don’t hesitate to contact us.

RV Chronicles: Navigating Insurance Lingo with a Twist of Fun

The RV journey presents unique challenges, especially when understanding insurance. At Insurance Source Solutions in Oklahoma, we empower fellow travelers with knowledge.

Decoding RV Insurance Jargon

RV insurance often feels like navigating complex terminology surrounding unique aspects of recreational vehicles. We are here to simplify complexities, ensuring you comprehend terms related to comprehensive coverage, liability limits, and specifics like RV size, plumbing, rooms, and air conditioning.

Insights Tailored to RV Enthusiasts

Beyond technicalities, we tailor insights to the needs of RV enthusiasts. This series delves into specifics of RV living, travel, and lifestyle. Whether you’re a seasoned RVer or a novice, our goal is to provide information enhancing your RV experience, covering aspects like plumbing systems, the number of rooms, the size of your vehicle, and the significance of air conditioning.

Injecting Humor and Humanity

While the subject matter is serious, learning about RV insurance doesn’t have to be dull. We inject humor and humanity, making the educational journey enjoyable. A well-placed chuckle can make even the most intricate insurance concepts more digestible, ensuring you retain essential information effortlessly.

Your RV’s Invitation to Understanding

Your RV is more than just a vehicle; it’s a gateway to adventure and exploration. We extend you a personal invitation to understand your RV insurance better. Whether you’re preparing for a cross-country road trip or seeking coverage for a stationary lifestyle in Oklahoma, Insurance Source Solutions is your trusted partner.

Connect with Informed Adventure

Ready for a journey of informed adventure? Connect with Insurance Source Solutions for in-depth insights into RV insurance, covering elements unique to your RV. Our team is committed to providing the guidance you need for a secure and enjoyable RV lifestyle. An RV experience is exhilarating – go explore.

Is Motorcycle Insurance a Requirement?

If you own a motorcycle, you may have questions about motorcycle insurance and how it works. Insurance Source Solutions serving Oklahoma can help you get the answers that you need about motorcycle insurance. Knowing whether motorcycle insurance is required and what you should do to pick the right insurance policy for your needs can help you through this process. Here’s what to know.

Is Motorcycle Insurance Required?

Motorcycle insurance is a requirement for driving on the road with a motorcycle, just like auto insurance. However, motorcycles aren’t covered under most auto policies, so you’ll most likely need to have your own motorcycle policy to ensure that your motorcycle is properly insured. 

What Should You Consider When Getting Motorcycle Insurance?

There are many different types of coverage that can be offered by motorcycle insurance. Here’s what to consider when trying to find the right motorcycle insurance for your needs.

  • Injuries. Some motorcycle policies will cover you if you are injured, and some will not. 
  • Collision coverage. Collision coverage helps repair or replace your motorcycle if it’s involved in an accident. You’ll have to think about whether this is important to you. 
  • Other riders. Your motorcycle insurance may or may not cover other riders who are on the motorcycle with you. If you regularly ride with another person, this is important to consider. 

How Can You Get Motorcycle Insurance?

The first step to getting motorcycle insurance is to find an insurance agent you can trust. At Insurance Source Solutions serving Oklahoma, we can help. As a respected name in insurance, we offer a variety of insurance types, including motorcycle insurance. Call today to find the best policy for your needs. 

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.

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