Author: agentinsure

Oklahoma City Home Insurance

Posted on by agentinsure

If you own a home and have a mortgage, you’re going to be required to have home insurance. If you’re buying a home in the immediate future, you’ll need to bring proof of home insurance with you when you close on your house. Most lenders will require coverage to permit the premises that they have an interest in to go uninsured. 

One of the basics of home insurance is to protect you from hazards like a fire, an explosion, or a storm. Take tornadoes for example. Oklahoma City sits in the middle of "tornado alley." It’s not unusual for us to see more than one tornado in a single day. Sure, your home insurance is likely to cover you in the event of damage or destruction from a tornado, but a standard home insurance policy will probably leave you paying out-of-pocket for repairs or replacement of a home and its contents. That could amount to tens of thousands of dollars. Insuring your home for its replacement value rather than its actual cash value should give you enough coverage to rebuild your home. We can arrange that for you along with special coverage for any particularly valuable personal property.

We’re independent insurance agents who live and work in and around Oklahoma City. Our families and businesses are established in our communities. We want to live here, but we recognize the risks too. Be prepared for them with sufficient home insurance. You can get an online quote, call us or just stop in. We’ll be happy to look at your existing policy. We’ll give you honest and objective answers and information. You might be surprised if you learn you’re not even covered for tornadoes. We’ll give you a wide range of options to choose from.

 

Kansas State Insurance Shocker

Posted on by agentinsure

Although Kansas is considered a no-fault state for purposes of auto insurance, that doesn’t mean that fault isn’t relevant after an auto accident. No-fault only means that regardless of fault, injuries you might cause to somebody else in a motor vehicle accident are first considered under personal injury protection (PIP) coverage. If, and when, the threshold for that PIP coverage is exceeded, those your injuries are considered under the general liability provisions of your policy.

Kansas has one of the best mandatory minimum liability insurance laws in the country. However, it is still minimum insurance coverage. The required minimum does not fully cover any medical bills you might receive in an accident that was your fault. It doesn’t cover repair or replacement of your vehicle either. By riding on minimum insurance, you’re placing yourself and your personal assets at risk, including your vehicle itself.

We’re independent insurance agents and we live and work in the Wichita area. We’re established and trusted business people who give you honest and unbiased information and answers.

Because we’re independent insurance agents, we’re tied in with multiple insurance companies that compete against each other in efforts to give you the best auto insurance possible at the lowest rates. Agents working for national insurance agencies (or, captive agencies) are not able to find rates from other companies, whereas we work with several different carriers.

Cheaper insurance means more elbow room for you, so you can pack in better coverage like medical payments, collision, and comprehensive coverage without premium shock. You might even be able to bump up your policy limits too.

You don’t want to be underinsured, even if an accident isn’t your fault. Get an online quote from us, call us, or just stop in if your’e close. We’ll be happy to talk with you at FM Insurance, whether you’re buying a new vehicle or just shopping for better coverage and prices.