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.
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.
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.
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.
Safe Insure Plus LLC assists Pryor OK residents through offering multiple insurance policies. We take pride in providing our clients with excellent customer service.
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.
When you set sail from Pryor, OK, your boat insurance is generally going to cover you against all of the common hazards, but there are some common exclusions that you should be aware of:
- Wear and tear. Like any other property, your boat is going to be subject to the ravages of time. Boat insurance covers you if your boat is damaged in an accident, but not for the simple wear and tear of time.
- Marine life. It’s unlikely that your boat is actually going to be attacked by a school of fish in Oklahoma, but if it does happen, your insurer won’t cover it. This is a bigger concern for seafaring vessels that have to deal with whales and sharks and so on.
- Unnamed operators. If you loan your boat out to a friend and they’re not on your insurance, don’t expect a claim to cover the damages.
- Improper storage and transportation. For instance, if your boat falls off the trailer while you’re driving to the lake because you didn’t secure it correctly, your insurer might deny the claim.
- Races and other competitions. Regular use is one thing, but racing brings another element of risk that your insurer might not cover. You may be able to buy additional insurance for competitions or buy insurance through the race organizers.
- Geographical limits. Your insurer may cover you on the lakes of Oklahoma, but if you take your boat out to the beach and set sail for Cuba, you probably won’t be covered.
If you’re looking to get covered in Pryor, OK, get in touch with us at Safe Insure Plus LLC. You can drop by the Safe Insure Plus LLC offices, call us or check out the website to get a quote on your boat insurance.
If you’re in need of classic car insurance in the state of Oklahoma, there are some things you’ll want to know about first. Be prepared by doing your research and talk to an insurance expert at Safe Insure Plus LLC to put your mind at ease.
Your Car Must Qualify
Does your vehicle qualify as being a classic car? There are some criteria that go along with this. For one, it has to be over a certain age. It also should be your second car, meaning it’s not the one that you primarily use for transportation.
Most Important Coverage for Your Classic Car Insurance
Every policy is different just like every vehicle is different. So, you’ll have you to talk about options with a reputable Pryor, OK area insurance agent.
Some of the more common types include:
- Liability Coverage: This helps you pay for any expenses related to injuries and damages for other people if you’re in an at-fault accident. No matter the vehicle you have, buy as much liability coverage as possible.
- Medical payments: If your vehicle doesn’t have advanced security features or it’s had crash test ratings that are not great, it would be a good idea to add on medical payments coverage.
- Collision and comprehensive coverage: If your car has depreciated in value by a great deal, you may be paying too much for comprehensive and collision coverages plus your deductible. If it would add up to more than the car’s value, you may not want to add these to your policy.
- Emergency Road Service: If your older car is likely to have more breakdowns, think about getting a roadside assistance policy.
Costs for Insurance
Although there’s no definite answer on how much your classic car insurance will cost without talking to an agent about your specific vehicle, note that a classic car typically costs less to insure. However, this isn’t the case if it was manufactured in another country, and/or the parts will be expensive to replace or repair.
Know What Your State Requires
Is there a certain minimum requirement in your state? An agent at Safe Insure Plus LLC can assist you in figuring out if this is the case in Pryor, OK. Reach out to us today with your questions.
An RV is a delightful way to discover the Pryor, OK area, and the rest of the United States. RVs need to be insured while you are out exploring. At Safe Insure Plus LLC, our team is ready to talk with you about your RV insurance options. They can answer any questions that you have so that you can make an informed decision.
Legally, RVs are required to have liability insurance. As an RV is both a vehicle and a domicile, the coverage is different from auto policies in a few ways. Policies vary based on their size and weight. The most popular RVs are mid-sized and rated Class C.
RV insurance generally includes replacement costs should it be totaled or stolen. Everything attached to the outside as accessories, such as awnings or satellite dishes, are covered. All personal items inside are also protected. This includes electronics, clothing, and sports/camping equipment. If you infrequently use the RV for a yearly trip, talk with your agent. The amount and type of insurance that your agent recommends may be impacted by the amount you use it.
In the Pryor, OK area, our agents at Safe Insure Plus LLC will talk with you about your RV insurance options. We want you to be able to safely explore the natural world around us. An RV gives families time to spend together while discovering new places, people, and things. Our website has general information to help you get started. Then contact any of our knowledgeable agents to learn more about what coverage is available for your RV. An RV represents freedom and building treasured memories. Invest a little time to make sure that it is protected when you go out on the road. Give us a call today!
Renters insurance is for people who rent it is like homeowners’ insurance but not the same. Whether you are getting your first rental or are moving and need renters’ insurance Safe Insure Plus LLC in Pryor, OK can answer your questions.
What Does Renter’s Insurance Cover?
Renter’s insurance covers all your personal items (property) if it is stolen or damaged for example if a robber breaks into your apartment or house and steals all your stuff you are responsible not your landlord. The only time the landlord would be responsible is if he/she did not provide locks for your windows and doors or if they had been working in your home and forgot to lock up after they left.
Your renter’s insurance covers the cost of your lost belongings. If the home you are renting is vandalized, has a fire, or Mother’ Nature damages your things again they are covered under your insurance policy.
Renters Insurance Covers Your Belongings Anywhere
That may not make much sense but what it means is simple if you take your laptop or any personal belonging anywhere with you even on vacation your things are still covered under your insurance policy. Things you may leave outside such as a bike if it is stolen from your home or the library that is also covered.
Your renter’s insurance is always with you regardless of where you go. If you go shopping with a friend and knock over a display case your insurance may pay for the damage, depending on what you have in your policy.
Renters Insurance & Damage You Cause
If you cause damage to the home you’re renting such as spilled juice or wine on the carpet that won’t come out or a hole in the wall from a doorknob etc. your renter’s insurance will also cover those things.
If you still have questions about renters’ insurance or need a policy call Safe Insure Plus LLC in Pryor, OK today our agents are more than happy to assist you with all your needs.
So many people in the Pryor, OK area end up paying huge sums of money after a lawsuit because they did not have an adequate umbrella insurance policy in place. The agents at Safe Insure Plus LLC are here to answer essential questions about placing an umbrella policy.
How much umbrella coverage do I need to carry?
There is no one size fits all answer to this question. Many factors go into making this decision. For example, if you have a pool or a dog, you may need more coverage than individuals who do not. Also, an umbrella policy limit will depend on your net worth that could be at risk in the event of a lawsuit. Your agent at the Safe Insure Plus LLC will sit down with you to review all of your risk factors to help you determine an appropriate amount of coverage.
I carry high limits on my primary policies; why do I need to consider an umbrella policy?
Too many people assume carrying an umbrella policy over a primary policy when you carry limits as high as a million dollars may seem unnecessary. Unfortunately, we live in a very litigious society, and claims for liability accidents involving car accidents and dog bites can quickly add up and put your net worth at risk.
What information is needed to obtain an umbrella policy?
To obtain an umbrella policy, there are a few pieces of information you will need to provide to us. The first piece of information we will need is a list of all of your real estate assets worldwide in addition to your primary policies on those properties. We will also require a list of any cars and boats you own, along with any primary policies. Finally, you will be required to disclose if you are a director of a board or non-profit? All of this information will help us put together a comprehensive umbrella policy.
If you are interested in learning more about an umbrella policy, reach out to us at Safe Insure Plus LLC today. We proudly serve the Pryor, OK area.