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4001 E Covell, Ste 100
Edmond, OK 73034

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Featured Insurance Blog

Protect Yourself and Belongings With Renters Insurance

Renter’s insurance is one of the most important things you can have as a renter in Oklahoma. It protects your belongings and yourself from potential liability. Here’s everything you need to know about renter’s insurance in the Midwest state:

What is Renter’s Insurance?

Renter’s insurance is a type of insurance that covers your belongings and provides liability protection in case someone is injured while on your property. It’s essential to have because it gives you peace of mind knowing that you and your belongings are protected. The same goes for an injury to you on your property, such as a fall down the stairs.

Why Do I Need Renter’s Insurance?

Renter’s insurance is vital because it protects your belongings in case of damage or theft. It also provides liability protection if someone is injured while on your property. Also, renter’s insurance can help if you need to move temporarily after a covered event. For example, if a fire damages your apartment, your renter’s insurance may help pay for a hotel room while you’re displaced.

For more information on how renter’s insurance works and how to find the right policy for you, contact Insurance Source Solutions. We’ll be happy to help you find the coverage you need to protect yourself and your belongings.

Is Renter’s Insurance Expensive?

Renter’s insurance is very affordable. The amount varies by what you need to insure and the deductible you choose, but most people find these policies very reasonable. You can also get add-ons with your policy, such as coverage for your pet or extra protection for high-value items.

When Do I Need Renter’s Insurance?

You need renter’s insurance as soon as you move into your new place. Even if your landlord has insurance, it only covers the building itself, not your belongings or liability. So, don’t wait – get renter’s insurance as soon as you sign the lease on your new place. Contact Insurance Source Solutions in Oklahoma to get started.

Why Motorhome Insurance in Oklahoma is Essential

Motorhome insurance is vital in Oklahoma for several reasons. It’s also essential to have the right type and amount of coverage. Learn more about why motorhome insurance is necessary for Oklahoma and what kind of coverage you should consider.

Motorhome Insurance is Required in Oklahoma

Did you know that motorhome insurance is required in Oklahoma? That’s right. If you own a motorhome or are thinking about purchasing one, you’ll need to make sure you have the proper insurance coverage. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

Why is motorhome insurance required in Oklahoma? There are a few reasons. First, it protects other drivers on the road. If you’re in an accident, your motorhome insurance will help pay for any damages you cause.

Second, it protects you and your family. If you’re in an accident, your motorhome insurance will help pay for any injuries or damages you sustain. Finally, it protects your investment. Your motorhome is an enormous investment, and you want to make sure it’s adequately protected in case of an accident or other unforeseen event.

What Options Are Available?

There are a variety of motorhome insurance options available in Oklahoma. Depending on your needs, you can choose from liability-only coverage to full coverage. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

Liability-Only Coverage

Liability-only coverage is the most basic type of motorhome insurance. It will protect other drivers on the road if you’re in an accident. However, it won’t cover any damages to your motorhome or injuries you sustain.

Full Coverage

Full coverage is the most comprehensive type of motorhome insurance. It will protect other drivers on the road if you’re in an accident. It will also cover damages to your motorhome and injuries you sustain.

Motorhome insurance is essential in Oklahoma. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

Prepping for Spring RV Use

Insurance Source Solutions, serving Oklahoma, wants your RV to last you the lifetime of vacations you planned to take in it. To help out, we offer this list of essential preparations to ensure your RV runs well after winter storage. Before you head out for Lake Eufaula or Grand Lake, plow through this checklist to make sure your RV is ready for the big trip.

Inspect Your Slide Outs and Awnings

Even though you had them folded in and tucked away, your pop-outs, slide-outs, and awnings can take on winter damage. Pull each out completely, and inspect the hydraulics system, folding mechanism, and the material of the covering. You might have had rodents munching on your awning while it was folded away. If a cat can get under the hood of a car, a mouse or rat can get into your pop-out area while trying to stay warm. Patch any tears or holes you find before you go on the road. After you patch them, lay a tarp over the interior and test the sturdiness of the pop-out, slide-out, or awning by spraying the RV with water from your hose. Create a wide spray that mocks rainfall to make sure your patch will hold, and you won’t feel like a drowned rat sitting inside your RV while it rains.

Clean the Interior

Clean the surfaces, the walls, mop the floor and the ceiling, and clean out all of the appliances. You can get rid o of tiny rodents this way – bugs, spiders, etc. Check the water heater, too, and your air conditioner. Clean the A/C by changing the filter. This helps your RV smell better, and it keeps you and those who ride in it healthier. An old air filter can cause the dirt it’s meant to catch to fly into the indoor atmosphere. That can cause allergy attacks and asthma attacks.

Check the Holding Tanks

Clean out the freshwater tank and fill it with clean water. Add chemicals to the gray and black water tanks after making sure they’re empty. If they aren’t empty, you need to dump them appropriately, then treat them with chemicals.

Check Your RV’s Battery

You probably removed it for winter storage. Now you put it back in and test it out. It may have discharged completely during storage, so you may need to re-charge it before you try to travel.

Contact Insurance Source Solutions, serving Oklahoma, to learn about protecting your RV with RV insurance. We offer travel policies and full-timers insurance. Let us help you determine which you need.

Staying Safe On The Road: How To Increase The Visibility Of Your Motorcycle To Others

The feeling of the wind on your face and the road ahead—nothing is better than hitting the highway on your bike. It’s important that you make yourself visible to riders and other drivers to help you stay safe as you ride. Here, we’ll take a look at some simple tips you can implement to make it easier for others to steer clear of you on the open road. 

Dress In Bright Colors

We know—wearing black pairs well with riding a motorcycle, but brightening it up can help increase your visibility and lessen the likelihood that you’ll be involved in an accident. 

Use Reflective Tape

Placing reflective tape on the rim of your bike can boost your visibility, especially at night. Reflective tape bounces light off of your bike, making it easier for drivers to see you in dim conditions. This can be especially helpful for nighttime rides during the cooler months when there are fewer daylight hours. 

Drive Defensively

Drivers should be aware of the fact that motorcycles share the road, but many fail to remember that they need to be aware of who is behind and beside them. Operate under the assumption that most people are not watching out for motorcycles, and be sure to constantly consider whether drivers are aware of your presence.

Need Motorcycle Insurance? Insurance Source Solutions, Serving Oklahoma, Can Help

No matter how hard you work to stay safe when you ride, it’s important to be prepared for the unexpected. Insurance Source Solutions, serving Oklahoma, is here to help you with all of your motorcycle insurance needs. Reach out today or stop by to learn more about motorcycle insurance policies.

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.

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