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4001 E Covell, Ste 100
Edmond, OK 73034

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How Boat Customizations Affect Your Boat Insurance

How Boat Customizations Affect Your Boat Insurance

Whether you enjoy cruising on the waters of Grand Lake or Lake Eufaula, Oklahoma, you need the right boat insurance to properly protect your investment. When you customize your boat, you change it from the condition in which you originally insured it. That means you need to update your policy with Insurance Source Solutions.

What qualifies as customization that requires a boat insurance update? Many items qualify, including:

  • custom paint, such as a mural,
  • upgraded motor,
  • adding an awning,
  • redecorating or remodeling the galley or berth.

You need the updated insurance because your policy only covers your watercraft as you initially purchased it and insured it. Yes, your updated insurance might slightly raise your premium but think about the alternative. After all the money you spent on the customizations, if you don’t update your policy, none of your changes are covered. That means if you have an accident in the boat, you’ll only receive compensation for the original boat. When you update your coverage, if something happens, you receive compensation to cover the boat with the changes, meaning you can buy a new boat that’s just as nice as the one you lost.

When you buy boat insurance, think in terms of full coverage. The liability protection you buy protects everyone on your boat and on another boat if you cause an accident. The property damage coverage pays for damage you cause to someone else’s watercraft. You need collision and comprehensive policies to cover your own watercraft though.

Contact Insurance Source Solutions to learn how to update your boat insurance so you can continue to protect your watercraft on the Oklahoma lakes and rivers. Call us today.

How Much Renter’s Insurance Do You Need?

Renters insurance is becoming more and more popular. If you really sit back and think about what you own, you may be startled to realize that it is worth more than you imagined. Even if you have cheap furniture, you probably have a computer, cell phone, and other electronics. This can quickly add up to tens of thousands of dollars. You don’t want to have to worry about replacing it if something happens to your home. 

So, how much insurance should you get? 

Take a hard look at all of your possessions to figure out how much they are really worth. It is a good idea to complete a home inventory list to help you figure out how much coverage you are going to need. 

That being said, you should also remember that it can cover liability. You are going to want to have enough liability insurance that you won’t be in a bad financial state if anyone is ever injured in your apartment. 

See if you can get a discount. Renter’s insurance may be more affordable than you realize, especially if you are able to bundle it with your automobile insurance. This means that you won’t have to pay as much as you would think.

Look at your deductible. All plans have a deductible, which is the amount of money that you will need to pay before you have to shell out any money. If you can’t afford a high deductible, you may pay more each month. 

If you want to make sure that you (and your apartment) are protected, you need to contact a professional. Insurance Source Solutions in Oklahoma would be happy to sit down and talk to you about your needs. You won’t have to worry about anything! 

Oklahoma Motorhome Insurance Add-Ons You Will Need

When you have a motorhome in Oklahoma, you have additional worries when you are on the road. Your minimum motorhome insurance requirements will cover you for liabilities, but you may want to have more coverage.

There are motorhome insurance add-ons that you can get to cover you for every potential risk when you are enjoying life’s adventures. At Insurance Source Solutions, we can help you design or update your motorhome insurance policy to make sure that you have every coverage that you need. 

Learn more about those add-ons here.

Total Loss Replacement Coverage

If there is damage to your motorhome that results in a total loss outcome, you can make a claim with a total loss replacement coverage rider on your policy. When anything such as theft, weather, or fire totals your motorhome, this coverage will help you to replace it. 

With your agent, you will determine the coverage, whether that is actual value or replacement cost. With actual value, depreciation will be considered when you make your claim. Replacement cost coverage provides a motorhome that is comparable to the one that was written off.

Campsite Coverage

When there is a problem with the vacation location that you have chosen, you can make a claim. This kind of problem is for coverage such as inclement weather destroying a campsite, or fire, or other such damage that could ruin a vacation. We want you to be sure that you will be protected against financial loss.

Roadside Assistance

When you have a breakdown on the road with your motorhome, it is going to create a horrifying memory for your life. That’s not going to be the case, as much, if you have roadside assistance. When you are getting the motorhome ready for the trip, make sure that you have this.

Get a Quote

These are just a few of the add-ons available for motorhome insurance in Oklahoma. At Insurance Source Solutions, we want to make sure you are covered for every potential risk on the roads when you are living the dream. Call us for a quote today.

Benefits Of Having RV Insurance

If you are an adventure lover, and you like traveling with your family, getting a recreational vehicle (RV) is a good idea. RVs are similar to cars, meaning that you must purchase proper RV insurance before hitting the road. If you are not sure whether this type of insurance is worth spending money on, here is a list of RV insurance benefits that you may not know about:

Benefits of RV Insurance

Here is a list of the main advantages of RV insurance.

  • It will cover financial losses in case of an accident. Getting into an accident is stressful and costly, especially if you do not have proper RV insurance. One of the main benefits of this insurance is that it serves as a safety net from all the financial losses caused by an accident. 
  • It covers emergency expenses. Emergency expenses covered by RV insurance include transportation expenses due to a loss of your RV or while your recreational vehicle is undergoing repairs. 
  • It covers your RV in case of natural disasters. Natural disasters are something that we cannot control. They include extreme weather conditions, fire, and even vandalism. Thus, if your RV got damage during a hurricane, your RV insurance will pay for repairs or replacement. 

Insurance Source Solutions serving clients in Oklahoma – Your Safety Is Our Priority

Do you live in Oklahoma and do you have an RV that you want to insure? Insurance Source Solutions will be glad to help you. We specialize in all types of insurance, including RV insurance as well.  Our insurance agents are experienced professionals, who will answer any questions and provide you with the information you need. You can visit our website for more details or give us a call. 

Motorcycle Insurance During Trailer Transportation: Does It Apply?

At Insurance Source Solutions, we help Oklahoma motorcycle owners get the coverage that they need. But what happens if their bike is damaged during a haul? Are they protected? Read on to learn more about your potential range in this always frustrating situation.

This Situation is Complex 

When your motorcycle is being hauled by a third party (such as a repair professional or a dealer bringing the bike to you have purchased), your insurance policy doesn’t matter because the company hauling your vehicle has a policy that they must keep up to date. By law, they must provide Full Protection on all cars that they carry for various transportation situations. 

That said, some of these companies have waivers that claim that they are not to blame if your vehicle gets damaged, which could be legally binding in some situations. And what if you are hauling your truck yourself? Your motorcycle is not riding on the road but is transported by your trailer. Are you covered in this situation, and what will happen if you’re not?

This situation is a bit more complex. If you have trailer insurance, it will help pay for that hauling device and any damage to it while you ride. However, your policy may or may not cover the items that you haul. And your motorcycle insurance may also include variables for moving, depending on its wording and the overall quality of the coverage. 

Don’t Ignore Help Today 

If you are worried about hauling your motorcycle in Oklahoma and want a policy that makes sense, please contact us today at Insurance Source Solutions to learn more. We’ll do what we can to help you and keep your bike safe.

What Does Boat Insurance Cover?

Oklahoma City has many great lakes providing the perfect venue for various boating activities and giving most boat owners a chance to enjoy their investment. However, it would help if you also protect that investment by insuring it in case anything happens. Here at Insurance Source Solutions, we can help you with the coverage you need, ensuring you have peace of mind. Read on to find out what boat insurance covers.

Physical Damage

Boat insurance offers you coverage against risks like collision, theft, sinking, and fire. Whether your boat is at sea or on land, it will still be protected. Usually, the property covered ranges to different components depending on your policy, but it can include things like motors, batteries, anchors, and safety equipment like floatation devices and fire extinguishers. However, first, talk to your insurance agent to understand what will be covered.

Liability Coverage

Your boat may get into an accident which results in damage to other structures, including other ships. Boat insurance can help cover any expenses resulting from the damage you have caused. This includes medical expenses for injuries caused and repair expenses to damaged property. In addition, if the injured party decides to sue you for damages, this coverage will also cover legal fees.

Underinsured Boat Coverage

You may also get into an accident with a boater who lacks sufficient insurance to cover the damage caused. This type of coverage will help cover those expenses, including medical bills and repair costs. Therefore, you will not have to dig back into your pocket to cover those costs, saving yourself from financial loss.

If you own a boat in Oklahoma, it is essential that you understand how you can benefit from insuring your boat. Here at Insurance Source Solutions, we offer different types of coverage that can adequately protect you and your boat. Contact us today for assistance, and we will help you choose the right policy.

What Is Umbrella Insurance?

Umbrella insurance is a unique coverage type that works with other policies that you have. If you want to know more about umbrella insurance, call us today at Insurance Source Solutions in Oklahoma.

Liability for Your Home Insurance

When you have a home insurance policy, it will contain several different types of coverage. Among these is your liability coverage. This protects you financially if someone were to have an accident in your home. After an accident, your home insurance will assess liability and pay the medical bills for accidents that you are liable for. However, because the liability coverage with home insurance is generally so low, it may not pay out enough to cover the medical bills. If you have umbrella insurance, however, this will come in after the home insurance policy and pay the rest of the money owed. This can protect you from being sued for the overage and having to come up with it by yourself.

Liability for Your Auto Insurance

When there is an accident with your vehicle, umbrella insurance works in the same way that it does when the accident happens in your house. First, your auto insurance will pay as much as it can toward the medical and property damage bills that you owe. But because this amount is often low, you would need umbrella insurance to come in and pay the rest after your auto insurance maxes out. Umbrella insurance is good protection against lawsuits, especially since medical bills are rising so quickly. 

Get More Liability Coverage

If you need more liability coverage, and many people do, getting an umbrella insurance policy is a smart way to get it. When you have an umbrella policy, you are far better protected against accidents and the huge bills they can cause. Give us a call at Insurance Source Solutions in Oklahoma.

Why You Need Condo Insurance

For every condo owner, getting condo insurance is an important responsibility. Condo insurance isn’t like home insurance, and it isn’t like renters’ policies. It is a unique type of insurance just for condos. If you need your condo protected with insurance, contact us at Insurance Source Solutions in Oklahoma to find out more.

Condo-Specific Coverage

When you get condo insurance, your policy only covers the exact parameters of your specific condo. Unlike home insurance, this doesn’t mean that the whole dwelling is covered. With a condo, your ownership may go to the inside walls and include everything inside that line. Or, it may include everything in between the outer outside walls and everything inside it. Your specific property lines are covered so that you aren’t paying for parts of your condo that you do not own. 

Possessions Coverage

Another part of this coverage is protection for your belongings. If a serious incident were to happen that destroys your items, or ruins them, your condo policy would pay for you to replace them. This coverage is extremely important for you to keep up your standard of living after an accident, calamity, etc. 

Liability Coverage

Your condo policy also includes an amount of protection for your bodily injury liability. If you were to have a guest or other person in your condo, and they became sick or were injured, the resulting medical bills may be your responsibility. Your liability coverage pays these bills up to the policy’s maximum. This is an important type of coverage to have to protect your financial future. 

Get Your Condo Coverage

It’s important not to go without this valuable insurance coverage. And, your condo board almost certainly requires you to have it. If you need a condo policy, call us today at Insurance Source Solutions in Oklahoma.

How Renters’ Insurance Works

When you rent your home, it’s vital that you insure it well. You can do this with a renters’ insurance policy. If you rent your home and need coverage, contact us at Insurance Source Solutions in Oklahoma to speak with an insurance agent. 

Insure Your Belongings

If you’re like most renters, everything you own is in your home. That makes it important to be sure that your possessions are insured in case of a calamity or disaster. When you have renters’ insurance, it’s all insured. That makes it far easier to get back to your standard of living after a terrible incident has happened. To make sure that it’s all covered, it’s wise to take a video of all of your expensive possessions so that you can prove that they were in your rented home.

Insure Your Financial Future

If you have someone in your home who gets sick or injures themselves, this can open you up to huge liability issues. You can end up owing a lot of money in medical bills and other costs associated with the accident or illness. Renters’ insurance covers this liability and will pay those medical bills so that you don’t have to. 

Insure Your Quality of Life

If the worst should happen and something serious happens to your rental, it can make the home uninhabitable. It may even be illegal to stay there because of the damage to it. When this happens, you can use your renters’ insurance to pay for you to live somewhere else. It will pay you to move out and the cost of a new place to live while yours is being repaired. This allows you to live somewhere habitable and gives you a better quality of life than living somewhere unlivable. 

Get Your Renters’ Policy

If you don’t have your renters’ policy yet, contact us at Insurance Source Solutions in Oklahoma right away. 

Is Motorhome Insurance Required in Oklahoma?

With over 18,000 registered motorhomes, many residents in Oklahoma use RVs and similar vehicles for various reasons. But whether it’s for lodging or exploring the beautiful sceneries of Oklahoma, getting motorhome insurance must be high up on your priority list. 

Motorhome Insurance in Oklahoma

When you set out in your RV, you want to ensure that your invaluable asset is well-protected with the relevant insurance. While your motorhome is a type of vehicle, it doesn’t fall under auto insurance. That said, you need to get the right motorhome insurance. 

Is motorhome insurance mandatory in Virginia? Yes. Just like your vehicle, Oklahoma State requires you to obtain motorhome insurance with the below minimum coverages. 

  • Property damage coverage: Pays for third-party losses when you are at fault. The state requires you to carry a minimum of $25,000 for property damage coverage.
  • Bodily injury protection: Because accidents can’t be prevented entirely, this coverage covers medical expenses of accident-related injuries sustained by others where you are at fault. The state requires you to carry a minimum limit of $50,000 per accident involving multiple persons and $25,000 per person in one accident.

Are there other motorhome insurance options in Oklahoma?

Remember, the state’s minimum coverage requirements are just minimums. They won’t protect your motorhome from other perils like theft, vandalism, fire, and select natural disasters. In light of this, when you partner with Insurance Source Solutions, we will offer you the below motorhome insurance options for proper coverage:

  • Collision coverage to cover damages when your motorhome is involved in an accident
  • Comprehensive coverage to protect your RV against theft, fire, vandalism, and so forth
  • Roadside assistance to bail you when your motorhome is disabled
  • Full-timer coverage if you reside in your RV all year round
  • Personal effect coverage to protect your personal belongings from theft, fire, and other perils stated in your policy

Motorhome Insurance in Oklahoma 

Because motorhome insurance agents are hard to come by, at Insurance Source Solutions based in Oklahoma, we ensure that you don’t have to hassle when shopping for motorhome insurance. Call us today, and our team will help you get the right insurance coverage for your motorhome. You know about motorhomes and open roads, but we know insurance.

 

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