Click to Call
Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

Get Directions
Oklahoma Auto insurance coverage

Does umbrella insurance cover legal fees

The Christmas holidays are already here with us. We will be having children playing in our Pryor, OK yards and visitors coming to visit. We cannot rule out accidents that may leave our loved ones injured or property destroyed.

And it is similarly impossible to predict whether we may land into lawsuits that can result from injuries property damage or car accidents. That is why Safe Insure Plus LLC recommends buying umbrella insurance to avoid certain devastating financial losses from such unforeseen events.

So, does umbrella insurance cover legal fees?

Umbrella insurance is an all-round type of policy that protects everything that matters to you like your personal assets and loved ones. In fact, umbrella insurance looks after your overall well-being including legal fees every time you are served with a lawsuit.

And who is it for?

Anyone can purchase umbrella insurance. You don’t have to be wealthy to acquire one. Accidents don’t choose whom to attack and regardless of whether you have assets or not, the little you have could end up being garnished by these unpredictable misfortunes.

What if I have other basic policies?

Umbrella insurance offers excess coverage above and beyond the basic coverage offered by basic policies like auto insurance, motorcycle insurance, boat insurance, and home insurance. However, umbrella insurance is not self-dependent and can only be used when the standard policies are inadequate. 

What about legal fees

With an umbrella policy, legal fees are typically covered on top of the policy amount. The policy also pays you for appearing in a court proceeding–if it is associated with you losing money from work. This is particularly important for those who work on hourly jobs.

Contact us at Safe Insure Plus LLC or visit us in Pryor, OK today for inquiries, new policy discussions or quotes.

Motorcycle Insurance: Are You Ready For Winter

Now that winter is upon us, motorcycle riders in Pryor, OK will find themselves wondering if their insurance policy is sufficient. After all, only the toughest of riders are going to be riding during the winter months. What good is an insurance policy from Safe Insure Plus LLC at this point? 

In reality, winterizing a policy is crucial. Once the motorcycle is placed in storage, there is no shortage of issues that can occur. First and foremost, the rider is going to have to worry about vandalism. 

If a bike is parked in storage and it is damaged, a Pryor, OK resident is not going to have any sort of legal recourse when they do not have insurance. Instead, they are going to be forced to shoulder the financial load for the damages. 

The concerns that need to be addressed do not stop there. Let’s say that the rider is planning on storing their motorcycle at home during the winter months. If they do not obtain an insurance policy, any damages that occur due to fires or other disasters of this nature are going to come out of pocket. 

Another common issue that occurs when riders do not obtain coverage is damage caused by rodents and other small pests. These pests may seem insignificant but the damages that they will cause to a bike are anything but. They can destroy a seat, the wiring and even create nests within the bike.

Snowfall may also cause the bike to experience unwanted difficulties. If a bike tips over due to snowfall and is damaged, the rider will need to make sure that they have obtained a policy that offers the necessary coverage. 

Looking to learn more about your winter readiness? Motorcyclists in the Pryor OK region are urged to visit the Safe Insure Plus LLC website as soon as possible. 

Protecting Yourself from Uninsured/Underinsured Motorists

Getting into an accident is a scary, frustrating and expensive life event.  Oklahoma is an ‘at fault’ state meaning that when there is an accident, the person who caused the wreck is responsible for repairs and medical bills of the injured person.  This straightforward situation becomes more complicated when the person who is at fault is uninsured or underinsured.  The team at Safe Insure Plus LLC helps drivers in the Pryor, OK area get the coverage they need to protect themselves from uninsured drivers.

If you are in an accident caused by an uninsured motorist, you can try to file a claim with your insurance company but some won’t cover it.  Another option is to sue the motorist who caused the accident.  However, if they do not have insurance or are uninsured, they most likely have few assets so being reimbursed for repairs or medical expenses isn’t likely.  Another option is to add on uninsured/underinsured motorist coverage before an accident ever happens.  This will slightly increase your rates but give you peace of mind when you are out on the road.  It will also give you the ability to take care of your medical bills and repair expenses if you are in an accident with an uninsured driver.

Deciding whether or not to include uninsured/underinsured motorist coverage is a decision each driver needs to make themselves.  Statistics show, though, that the average rate of uninsured drivers is one in seven.  The agents at Safe Insure Plus LLC work with drivers in the Pryor, OK area to help them understand what their insurance options are.    Go online for information to get started.  When you’re ready, come by for a visit to discuss your insurance needs.  Getting into a wreck with an uninsured motorist can create problems.  Get covered today!

How commercial insurance can protect a Pryor, OK business

Owning a business is a dream that many people have. When you do own your own business, it is important that you properly protect this dream and investment. One of the best ways to do this if you own a business in the Pryor, OK area is by getting a full commercial insurance policy as it can protect your business a number of different ways.

Protects Your Business Assets

For you to build and grow a business, you will undoubtedly need to invest a lot of money into your company. This can include buying assets that are necessary for your business to succeed. Some of these assets can include inventory, real estate, or capital equipment. If these assets were to be damaged or destroyed, it could be very damaging for your business. When you get a commercial insurance policy, these assets will be covered if they are damaged, stolen, or destroyed.

Gives You Valuable Liability Coverage

All business owners end up taking on a lot of liability whenever they are serving a customer. If you end up causing an injury or illness due to a product or service that you sell, it could be extremely damaging to your business. Fortunately, those that get a commercial insurance policy in the Pryor, OK area will have coverage if they are found to be at fault. This could be extremely valuable coverage that will save your business.

Ultimately, businesses that are in Pryor need to be properly covered by commercial insurance to ensure that they are protected. When you are looking for a commercial insurance policy in Pryor, you should speak with Safe Insure Plus LLC to discuss your insurance needs. The team at Safe Insure Plus LLC will be able to examine your business and figure out what policy is right for your organization. 

Some Factors Involved In Determining Your Equine Insurance

We take great pleasure and pride in serving our clients. Where you purchase insurance matters greatly. You can trust that we are taking great care of all of your insurance needs. 

Equine Insurance generally comes in three different modes of coverage: medical, liability and mortality. Come and speak with us regarding how your animal lives its life and what particular care is needed to maintain him or her. At Safe Insure, however, we cover more specific facets of owning these beautiful animals – namely, Farrier Insurance and Workers Liability.

Equine Factors To Consider

If you are the primary caregiver for your animal or if you have employees who care for your animal as well or instead of you. This changes liability as regards your employees. 

Where and how your horse is housed is an important consideration. If your horse is housed under other auspices than your own, you need to know if the stable owner, the landowner has insurances that protect your horse when he or she is on their property.

Is the primary caretaker for your horse an employee of yours or of another? This factor will inform whether you need to have worker liability insurance for the caretaker of your animal. 

Speak with an agent as soon as possible to ensure the best protection.    

Safe Insure Plus LLC in Pryor, OK serves Missouri, Arkansas, Kansas, Arizona, Colorado, Iowa, and Texas. Stop into our offices at 3301 S. Mill, in Pryor today. We can help you with your Auto, Home, Commercial, Boat/Watercraft. Motorcycle, Renters, RV, and Umbrella Insurance Products in addition to the Equine Insurance product. 

4 Additions that Make Your Boat Insurance More Useful

Boat insurance protects your leisure time investment and ensures the fun is never interrupted by unforeseen events. However, your policy can do more than pay medical bills and defray the costs of property damage. Here are 3 additions the agents at Safe Insure Plus LLC can add to your Pryor, OK boat policy to make it even better.

Off-Season Coverage

Why pay full price for your premiums when you can’t be on the water? Off-season coverage pays for damages that occur while your boat is in storage during the off-season. Any damage from theft, natural disasters, vandalism, or pest problems can be covered in these contracts.


Getting your boat from Pryor, OK to your desired destination can be tough. With towing assistance, you can have professional guidance throughout your journey. Some services include emergency assistance. If you run off the road, have a hard time getting your vessel docked, or simply need help finding equipment or storage options, this service could be an essential part of your nautical adventures.

Theft and Vandalism

Whether you’re on the way to a tropical island or docked at a popular resort destination, theft and vandalism are a big risk. Many malicious characters take advantage of vacationing boat owners and use your property as a personal piggy bank or amusement. Additional coverage in your boat insurance can ensure you won’t have to pay out-of-pocket to repair or replace your items.

Other People’s Property

When a problem happens on your vessel, it doesn’t always stay there. Fire, infestations, and other types of damage can spread to vessels that are docked near yours. Additional coverages can help you pay for liabilities related to damage on other vessels

Safe Insure Plus LLC is your source for customized boat insurance in the Pryor, OK area. Contact our agents to find out how to customize your policy to fit your lifestyle.

Important Facts about Classic Car Insurance

There are many classic car owners out there, who do not have proper coverage for their classic car because they falsely believe it is covered under a standard auto policy. If you have a classic car it is vital that you have it properly insured under a classic car policy and be aware of the requirements of the policy. If you are unsure if your classic car is properly insured and live in the Pryor, OK area please reach out to an agent at Safe Insure Plus LLC today.

In order to be considered  a classic car it must fall into one of the following three categories

Veterans: which are cars made before Dec 1904

Edwardian: cars made between 1905 and 1918

Limited: which are considered rare vehicles

While it might be tempting to drive your classic car on a daily basis, your classic car coverage will not cover you if use your car as a primary vehicle. Typically, classic car coverage will have a limit to the number of miles you can drive on an annual basis. If you are unsure what your limit is, check with your agent today.

If you want your car to be covered under a classic car policy, you need to make sure that you have proper storage for it as it cannot be parked outside in your driveway. In addition to the garage protecting the vehicle from the elements, insurance companies also want the garage secure to protect against theft. Some insurance companies strongly advise storing these vehicles in storage facilities that specialize in storing classic cars.

In order to qualify for classic car coverage, the driver must have an excellent driving record. In addition, you may need to be a certain age in order to qualify for this coverage.

If you would like to learn more about classic car coverage, reach out to an agent at Safe Insure Plus LLC. We proudly serve the Pryor, OK area.

Is It Ever Not Time To Use Your Motor Home?

A Motor Home  Can Be The Ever Present Evergreen Content Of Our Recreational Lives

No matter what the season your motor home  Your motor home can bring joy to the life of your family. In this way, the motor home can be evergreen. If something is “evergreen” it means that it is not designated for a particular set time. When it comes to your motor vehicle evergreen means that you can use your motor home at any given time of the year – Winter, Spring, Summer, and Fall.

What’s important to know is that insurance coverage can be fluid just like the use of your recreational vehicle. Typical motor home insurance coverages include providing coverage when your motor home is in use and out of use. There are a lot of different variables that come into play when you are playing with your motor home (pun intended). It matters if you want to park your vehicle for extended periods or have it ready to go year round. It is important where you park your motor home as well. As regards potential theft of your motor home, the retail value, as well as the make and model year of the vehicle, are factors to consider heavily.

 At Safe Insure Plus LLC located in Pryor, OK, we will take the time to sit down with you to discuss exactly how you want to use your motor home and what type of protection you need in order to use it to the best of your ability while covering your liability. Safe Insure Plus LLC is located in Pryor, OK 74361 Come into our offices today to continue your quest of your motor home reaching its evergreen potential.

Reasons to Get RV Insurance

Buying an RV is a great option for anyone that loves to take long road trips, go camping, or simply wants a recreational vehicle to enjoy with their friends and family. For those that are in the Pryor, OK area and are looking to buy an RV, making sure that it is properly covered by insurance is very important. There are several reasons why you should get insurance for your RV.

Ensures Full Legal Compliance

Similar to when you are driving any other type of vehicle, those that are driving an RV will be required by law to carry minimum levels of liability insurance. If you are caught driving without it, you could end up facing stiff penalties and fines. Further, if you have a loan out against the RV, the lender will require that you carry a full collision and comprehensive insurance policy. 

Gives You Protection

Ultimately, the most important reason why you should have insurance on your RV is that it will give you the protection that you need. With a RV insurance policy, you will receive liability and property insurance protection. This will give you protection if you are at fault in an accident and could also provide you with collision and comprehensive insurance coverage, which will provide you with financial protection against a variety of loss types 

When you are looking to purchase a RV, you also need to make sure that you speak with a professional about your RV insurance options. For those that are in the Pryor OK area, talking to the team at Safe Insure Plus LLC is a great choice. The professionals at Safe Insure Plus LLC will help you to assess all of the different options for you to make sure that you get into the right policy. 

Why is home insurance so important?

Owning a home in the Pryor, OK area can be a great long-term investment option. When you are looking for a new home, you need to make sure that you keep your property properly protected by insurance. There are several reasons why having home insurance is so important to you.

Protects Your Asset

Your home is the most significant and valuable investment that you will ever own. If you have home insurance in place, you will be helping to protect your insurance from unforeseen issues including fire, weather damage, theft, and vandalism. If you do not have home insurance in place, you will have to come out of pocket to make any repairs associated with these damages.

Gives Liability Protection

Those that have home insurance will also receive some very important liability coverage. If you own a property, you could be found liable if someone is injured while they are on your property. In these situations, your home insurance policy will give you liability protection in the event you are found to be at fault for an accident.

Ensures Compliance

Finally, you likely will be required by your mortgage lender and any condo association you are a member of to carry home insurance at all times. If you do not carry home insurance in these situations, you could be in violation of these agreements. This could result in penalties and other negative actions. 

Having insurance on your property is extremely important. If you are looking for a new home insurance policy, you should speak with the team at Safe Insure Plus LLC to discuss your needs. The team at Safe Insure Plus LLC could help Pryor, OK area homeowners get into a policy that provides them with the right type and level of coverage.