Tips, guides, and industry updates
Oklahoma ranks among the top states for tornado activity, with an average of 56 tornadoes per year according to NOAA. A standard homeowners insurance policy typically covers wind and hail damage, but many policyholders are surprised to learn that their deductible for wind events may be higher than their standard deductible. Review your policy's wind and hail deductible, confirm your dwelling coverage reflects current rebuilding costs, and consider adding coverage for detached structures like fences, sheds, and carports. If you live in a flood-prone area, remember that flood damage requires a separate policy—homeowners insurance does not cover it. An annual policy review with your agent before storm season begins in March can help you avoid costly gaps in coverage.
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Unlike captive agents who represent a single carrier, independent agents work with multiple insurance companies to find you the best combination of coverage and price. This means your agent can compare quotes from a dozen or more carriers in a single appointment, rather than offering only one option. Beyond cost savings, independent agents serve as your personal advocate during the claims process. When a loss occurs, your agent works on your behalf to ensure the claim is handled fairly and efficiently. Independent agents also provide ongoing policy reviews, alerting you to new discounts, recommending coverage adjustments as your life changes, and ensuring you're never paying for protection you no longer need.
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General liability insurance protects your business from third-party claims of bodily injury, property damage, and advertising injury. It's essential, but it only covers one piece of the puzzle. A Business Owner's Policy, or BOP, bundles general liability with commercial property insurance—and often includes business interruption coverage—at a lower premium than purchasing each policy separately. For small to mid-sized businesses in Oklahoma, a BOP is frequently the most cost-effective way to secure broad protection. However, businesses with specialized risks, such as contractors or those with company vehicles, may need additional policies like workers' compensation or commercial auto insurance. The right approach depends on your industry, revenue, number of employees, and risk exposure.
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Oklahoma law requires all drivers to carry minimum liability coverage of 25/50/25—that's $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, these state minimums often fall short in a serious accident. Medical bills from a single ER visit can exceed $25,000, and if you're found at fault in an accident where damages surpass your coverage limits, you could be personally liable for the difference. Uninsured and underinsured motorist coverage is also critical in Oklahoma, where the uninsured driver rate is among the highest in the nation at roughly 14%. Adding comprehensive and collision coverage protects your own vehicle from theft, vandalism, hail, and at-fault accidents. Speak with an agent to find the right balance of protection and affordability.
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Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years—and is generally the most affordable option. It's ideal for covering a mortgage, replacing income during your working years, or ensuring your children are financially protected until they're independent. Whole life insurance, on the other hand, covers you for your entire lifetime and builds cash value over time that you can borrow against. Premiums are higher, but the policy functions as both protection and a long-term savings vehicle. Many families find that a combination of both types works best: a larger term policy to cover immediate financial obligations and a smaller whole life policy for permanent needs like final expenses or leaving a legacy. The right choice depends on your age, health, budget, and financial goals.
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Cyberattacks are no longer just a concern for large corporations. According to the FBI's Internet Crime Complaint Center, small businesses are increasingly targeted because they often lack dedicated IT security teams. A single data breach can cost a small business tens of thousands of dollars in notification expenses, legal fees, credit monitoring for affected customers, and lost revenue during downtime. Cyber liability insurance covers these costs and can also provide access to forensic investigators and crisis management professionals. In Oklahoma, businesses that handle customer data—including payment information, health records, or personal identifiers—face particular risk. Even if your business operates primarily offline, digital payment processing and email communication create exposure points. A cyber liability policy is an affordable safeguard that can mean the difference between recovering from an attack and closing your doors.
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