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Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

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Oklahoma Auto insurance coverage

How Do I Know What Kind of RV Coverage To Purchase

Having a recreational vehicle in Pryor, OK, comes in handy. You can have any local vacation that you will consider without any challenges. Safe Insure Plus LLC recommends that you have the best RV insurance to cater to the needs of your recreational vehicle.

However, most RV owners do not understand what type of RV insurance they need. If you’re confused about RV coverage, here are some factors to guide you on the best recreational vehicle insurance. 

Standard RV Coverage

Standard RV coverage is what every RV owner should make sure they have before starting their vacation. In most states, standard RV insurance coverage is required by the law. Therefore, failure to buy this insurance coverage can lead to some significant challenges.

In most cases, the standard recreational vehicle coverage covers the basics that everyone needs while on vacation. Some major issues covered by the standard RV coverage include:

  • Collision Coverage
  • Uninsured Motorist
  • Medical Coverage
  • Liability Coverage
  • Comprehensive Coverage and 
  • Personal Property Coverage

Optional RV Coverage

Besides the standard RV coverage, you might consider having additional insurance coverage to cater to specialized needs. Some aspects to cover using optional RV coverage include:

  • Residential Liability

  • Storage Coverage

  • Full Replacement Cost

  • Personal Attachments Coverage

  • Road Side Assistance

  • Emergency Expense 

Both the standard and optional RV coverage are essential. They are all used to address some form of uncertainty. Depending on your financial capability and legal requirements, it is essential to choose coverage that meets your needs. 

Are You Interested in RV Insurance Coverage?

As a new recreational vehicle owner in Pryor, OK, the first thing you should consider has RV coverage. Safe Insure Plus LLC will help you to protect your new investment against possible uncertainties. Reach out to our offices today for advice on the best RV coverage to buy.

6 Types of Renter’s Insurance Claims

Renter’s insurance coverage is often overlooked by many tenants renting in and around the Pryor, OK area. However, after reading the following renters’ insurance claim scenarios, you will likely want to explore the rental insurance possibilities offered by Safe insure Plus LLC to ensure you proactively protect one’s property from the unexpected and foreseen.

Rental Insurance Claim Scenarios In & Around Pryor, OK

Theft Claims

An insured renter visited her parents and while she away, thieves broke stole thousands of dollars in electronics and jewelry. This renter smartly chose to itemize their expensive valuables, so their insurance covered the costs of replacing the stolen items.

Fire Claims

The home of a neighbor caught fire. The resulting fire and smoke damage to the insured renter’s apartment was repaired by a specialist and paid by the insurance policy.

Vandalism Claims

While at work, an insured renter’s apartment was vandalized by teenagers who spray-painted and destroyed the insured property and parts of the rental unit.

Water Claims

An insured renter had their personal belongings damaged from a roof leak. While the landlord was tasked with the responsibility of repairing the roof, the landlord’s insurance did not cover a renter’s personal property. Note – rental insurance would.

Property Damage Claims

An insured renter’s kids were playing baseball and accidentally broke a neighbor’s front glass fixture. Renter’s insurance covered the cost of replacing the fixture.

Bodily Injury Claims

An insured renter’s son lost control of a bike and hit another bike rider, causing injuries. The insured filed a claim which ultimately paid for the biker’s injuries.

It is important to note that renter’s insurance will even cover theft from the insured’s vehicle, even if parked on the street. For additional information, please contact the insurance professionals at Safe insure Plus LLC.

What You Need to Know About Umbrella Insurance

Often when we think of investments we think of the stock market or retirement savings, but what about insurance? Insurance is definitely an important type of investment that you can make to protect your future financial security. At Safe Insure Plus LLC, serving Pryor, OK we know you want to make the best investment choices for your family. We make it a priority to bring you top-notch insurance information so you can make solid choices today which will make a healthy financial impact for your family in the future. Keep reading to find out how our umbrella insurance products can be an important part of your investment strategy. 

What is Umbrella Insurance? 

There are many insurance products available; life, health, automobile, home, and commercial. What many people do not consider, though, is that these types of policies all have limits on how much they will pay on any specific claim. This means that if you face a large financial expense it could exhaust your policy. When this happens you could be left with out-of-pocket expenses to pay. Umbrella insurance is an insurance product that can help to protect against this. 

An umbrella policy is designed to kick in if another policy is exhausted, and you are still left with expenses. 

Who Should Consider Umbrella Insurance?

Umbrella Insurance can benefit anyone, but individuals who have large assets, investments, or savings should especially consider this extra layer of protection. Your assets could be in danger during a significant financial event. In order to protect your assets, an umbrella policy can be activated. It is also a good idea for individuals who are employed in high-risk situations or who operate high-risk businesses to consider umbrella insurance. 

If you would like to learn more about our services, please contact us at Safe Insure Plus LLC, serving Pryor, OK.

Motorcycle Insurance for Young Riders- What You Need to Know

Safe Insure Plus LLC understands that it is very hard for people living in Pryor, OK to get motorcycle insurance for young riders. Most of the policies available in the market are very expensive because they have to cater to the young age and the riding inexperience that one has. However, you don’t have to always pay the exorbitant expenses. There are some essential tips you can incorporate to lower the premiums. 

Choose a Smaller Engine

Choosing a bike with a smaller engine is a strategic method of lowering the associated expenses on your insurance policy because they are less powerful. Insurance companies charge low premiums for bikes with smaller engines because they know that it is also cheap to repair or replace such bikes owing to their lower prices.

Drive Safely

Following on the road rules is the best technique and strategy that everyone out there with a young rider can lower insurance premiums. Driving safely eliminates unnecessary and costly mistakes, which might lead to points or convictions. Insurance companies will always focus on the driving history when awarding you an insurance policy. The more mistakes the higher the cost of insurance.

Avoid Modifying Your Bike

Naturally, many people are highly interested in modifying their bikes for speed and attraction. To insurance companies, any modification of your motorcycle leads to higher value and speed, which they view as increased risk. In such cases, the insurance company will always increase the associated insurance expenses, which could go to unmanageable levels. 

Safe Insure Plus LLC has been in the industry for many years and has been helping young riders in Pryor, OK to get the necessary insurance policies without introducing many barriers or increased expenses. If you’re looking for a young rider’s insurance, contact us today for detailed information on our policies.

4 Benefits of Having Comprehensive and Collision Policies

Automobile accidents can happen at any time. There are other major events that can occur and cause damage to your vehicle or lead you to be at fault for damages or injury to another party. This is a good reason to have comprehensive and collision policies added to your auto insurance. An expert agent at Safe Insure Plus LLC of the Pryor, OK area can help you decide if you should get these and what benefit they can provide.

Comprehensive Insurance Benefits

When you have a comprehensive policy, it covers incidents that occur that are outside of your control. This includes earthquakes, hailstorms, hurricanes, tornados, theft, vandalism, falling objects, and if you hit an animal while you’re driving. It also covers if your automobile’s windows are broken or shattered through no fault of your own.

Collision Coverage Benefits

When you have collision coverage, you can rest assured that you’ll receive coverage for damages to your vehicle after an accident, regardless of who was at fault. This includes if you hit a parked car or someone hits your parked car if there’s a hit-and-run accident and if you drive into a ditch, among other things. You would have to file a claim and be reimbursed, which you can do in most cases even if the other party isn’t insured.

Having these types of policies already at the time of the incident saves you a great deal of headaches and stress. It may be tricky to file a claim, but your insurance agent can help you with this matter so that it’s much easier.

Contact us today at Safe Insure Plus LLC of Pryor, OK and beyond so you can talk over your auto insurance options and get set up with exactly what you need.

What is umbrella insurance and why do I need it?

Some types are insurance are essential; there is no question about the value they offer. Since so few people understand what umbrella insurance is, it isn’t on your list of vital coverage. If you have assets and you would like to not only protect them but keep them, umbrella insurance is a type of insurance that should be considered. At Safe Insure Plus LLC  in Pryor, OK we are independent agents who work with many carriers to find the best coverage for our customers. 

Picture a large umbrella, imagine it starts to rain really hard. The umbrella offers great protection against the rain. You arrive at your destination safely and dry. Think of yourself as your assets and the umbrella is your umbrella policy. You will end up with your future safer if you are protected. 

An umbrella policy is a separate policy you buy to enhance other policies that you have,. You must have a policy with liability coverage to buy umbrella insurance. Your average home or auto insurance policy offers liability protection but at lower limits than you need to keep you well covered. Considering how much hospital bills can be for an injury,  add pain and suffering and lost time, and even $100,000 may seem very inadequate. Given the size of judgments these days and legal fees, if you don’t have enough insurance coverage you could lose everything you have and even have your future wages attached. 

You don’t need to be rich in order to benefit from umbrella insurance. If you have any assets you are vulnerable to being sued. Why take the risk when umbrella insurance can offer you 1-5 million dollars in protection for a very reasonable cost. 

Contact Safe Insure Plus LLC in Pryor, OK to learn more about how an umbrella policy can give you peace of mind. 

Common Misconceptions About Motorcycle Insurance Oklahoma Residents Must Avoid

Safe Insure Plus LLC offers different types of insurance coverage to the Pryor, OK community. We strive to make sure that our clients find the policies they need to enjoy their freedom and independence. We will help you assess your options so that you can find coverage that suits your individual needs.

Common Misconceptions About Motorcycle Insurance

If you plan to hit the road and travel through Pryor, OK on your motorcycle, it’s important that you consider the benefits of motorcycle insurance. The policy covers any damage to your motorcycle as a result of a collision. You will also be protected if someone attempts to steal or vandalize your motorcycle. While you are researching different policies, avoid some of the inaccurate information regarding motorcycle insurance.

If you have an automobile, perhaps you have heard that you can rely on your auto policy to cover your motorcycle. This is incorrect. You cannot use traditional auto insurance coverage to protect your motorcycle if you are involved in a collision. Motorcycle insurance is the only way to ensure that you will be fully covered if something were to happen.

You may read the information that says how don’t need coverage during colder seasons when you aren’t riding your motorcycle as much. Accidents can happen when you least expect it. Covering your motorcycle while it’s in storage will protect you if inclement weather causes damage. If the weather is mild one day and you would like to take your motorcycle out for a ride, you may be left unprotected if something goes wrong unless you have coverage.

If you are riding with a passenger and they are inured as a result of a serious collision, make sure that you have liability coverage. Without coverage, you will be responsible for the injuries that your passenger sustained.

Consult With Safe Insure Plus LLC

Visit our website today to learn more information about motorcycle insurance.

Understanding the Fundamental Elements of an Automobile Declaration Page

Insurance policies run for a predetermined set term. The majority of car insurance policies renew every six months, with the exact term depending on the car owner’s coverage. At renewal, automobile owners in and around the Pryor, OK area receive a renewal insurance declaration page detailing the coverage specifics for the upcoming insurance term.

Most consumers are interested in the amount due – the insurance premium. However, the declaration page contains important insurance information regarding one’s coverage and should not be disregarded.

Who’s Driving the Car?

The automobile declarations page identifies which drivers are covered by your selected policy. Have you reviewed the contents of your insurance policy lately? For example, has a teenage child moved from your home in Pryor OK, and you’re needlessly covering them as a driver under your policy?

Are You Over or Underinsured? What’s covered?

The automobile declarations page also delineates the exact coverage (and applicable limits) on the vehicle(s) listed on the insurance policy.

  • Are you overpaying for coverage you do not need? For example, do you have a car from the mid-2000s where it makes little sense to carry collision coverage?
  • Are you underinsured? Have your assets increased significantly from the time you initially set your liability limits? Do you have more to lose now?

Vehicles That are Covered

Most consumers remember to update their insurance policies when they change vehicles. However, it is worth a glance to confirm that the cars you want to be insured are listed on the declaration page.

At Safe Insure Plus LLC, our insurance professionals are available to review your automobile insurance policy by phone or by email. Additionally, auto insurance quotes are available using Safe Insure Plus LLC’s online quote contact form.

Three frequently asked questions regarding commercial insurance

As a business owner, you need to secure a commercial insurance policy to protect the finances of your company. We provide commercial insurance coverage for businesses in Pryor, OK at Safe Insure Plus LLC. 

It’s important to do your research and ask the right questions when you’re choosing your commercial insurance coverage options. The following are three frequently asked questions regarding commercial insurance. 

What is covered by a commercial insurance policy?

There is really no such thing as a standard commercial insurance policy. Commercial insurance policies are tailored to the needs of specific companies. 

The coverage your commercial insurance policy provides will depend on what type of coverage you purchased. That’s why it’s so important to put adequate time into researching commercial insurance and determining what your company’s insurance needs are. 

Am I required to purchase commercial insurance?

Some companies are required to purchase certain types of commercial insurance. For example, companies need commercial auto coverage if their business activities rely on the use of vehicles. Also, copanies need workers’ compensation coverage if they hire employees. 

It’s important to purchase any types of coverage that are required for your company. Otherwise, your company could potentially face severe consequences. 

What types of commercial insurance do I need?

To figure out what types of coverage your company needs, analyze your company’s liability risks. Also, put some thought into the extent of your company’s assets that you want to protect through insurance coverage. 

Business liability and commercial property insurance are the two major types of commercial insurance. Your company’s liability risks depend on several factors including the industry your company operates in. If your company owns the property, it’s a good idea to invest in commercial property insurance. 

We can answer these and more of your questions about commercial insurance at Safe Insure Plus LLC. Contact us today to learn more about the commercial insurance solutions we provide for businesses in Pryor, OK. 

A Thorough Overview Of Equine Insurance

Safe Insure Plus LLC assists Pryor OK residents through offering multiple insurance policies. We take pride in providing our clients with excellent customer service.

Equine Insurance

Many people in Oklahoma enjoy riding horses. If you enjoy horse racing, equine insurance protects your horse in several different situations. Horses are considered a valuable asset. Equine mortality coverage protects you in the event that your horse passes away. If you train or breed a variety of different horses, equine liability coverage protects you in the event of an accident where a horse tragically dies while in your possession. Commercial coverage provides protection for the daily activities that horses participate in, such as racing or training. If anyone assists you in training horses on your property, worker’s liability provides a layer of protection in the event that one of your assistants is injured.

Keep in mind that your policy may vary depending on the horse’s value. The coverage is different for a pet horse that is often used around the farm compared to a horse that participates in open shows and breed shows. You can add medical coverage to the policy to protect you if your horse is injured or gets ill. The coverage should take care of any treatment that your horse needs, including surgery. If the horse is permanently disabled, loss of use coverage will help you deal with the next steps.

Safe Insure Plus LLC Will Help You Find The Right Policy

We understand how important horses are in the community. We will help you evaluate your options and find equine insurance that protects you and your prized asset. Stop by our office in Pryor, OK today.