Our Homes are Our Biggest Investment

Financially, emotionally and personally our homes are for most of us, our greatest investment. This house is the fruit of our labors and the place we call home. Having a partner to help guard what we cherish, as other homeowners who in Ada Ok have discovered is a comfort afforded by the Moon – Baker Insurance Agency Inc. The financial benefits of insuring your home likely offer enough motivation alone, but the reasons can run even deeper.

The Intangible Benefits

Being able to speak the words, “It is going to be okay” and knowing that it is going to be okay are worlds apart. To know that it is going to be okay in the face of a fire, flood or other crisis is invaluable. Perhaps the only despair more frightening than not knowing if it’s going to be okay is knowing that it could have been! This is merely the weight of the intangible benefits experienced by Ada OK residents. Moon – Baker Insurance Agency Inc. appreciates the deep loss tragedy can create, and also realizes that price matters.

Practical Insurance Solutions

What is a practical insurance solution? How about an insurance policy fitted to your budget and your needs? When it comes to giving you, your family and those you care about all the intangible benefits offered by the right home insurance policy, and the practical ones too – having insurance isn’t optional. The Moon – Baker comparison tools and flexible policy plans empower clients to choose the most cost-effective and reliable protection possible. Insuring what you love, how much is that worth to you?

3 Reasons to Understand Auto Insurance Coverage in Ada

If you don’t really understand the intricate details of insurance, then you’re certainly in the same boat as the vast majority of people out there. Insurance is a means of taming the untamable in Ada, OK. It’s also a means of keeping people financially stable even after accidents occur, so it’s not always an exact science. However, knowing more about it can really help you make better decisions when it comes to staying safe on the road. 

1. Insurance Saves You Money 

If you have a major accident, then the fees that add up afterward may be truly staggering. Let’s say you cause an accident where the driver ends up developing a chronic condition after the incident. If you don’t have the right insurance, you may find yourself spending years trying to pay off the debt. 

2. It’s Made for You 

Your policy is based on what you want, and there are a number of policies you can choose in Ada, OK. However, if you don’t have solid logic behind the policy you do choose, you may end up being shocked if you need help and are unable to maintain it. Should you choose the bare minimum, Moon – Baker Insurance Agency Inc. at least wants you to have the chance to make back-up plans before your back is up against a wall. 

3. You’re Worth It 

Moon – Baker Insurance Agency Inc. has been helping people figure out what coverage works for them for years, and we want you to have the right resources when you need advice or tips too. Call our agents to find out more about how it all works or if you’re looking for a quote, and let us break down some of the more complicated details for you!

Driving During Icy Road Conditions

Winter brings plenty of cold weather and ice to Ada, OK. Unfortunately, ice on the road can make it difficult and dangerous to drive. Depending on how bad the weather is and where you must go, sometimes it is just best to stay home if possible. However, there are times when we may find ourselves on the road during icy conditions. At Moon – Baker Insurance Agency Inc. we feel it is best to avoid these situations. If you can’t, use these tips to stay safe curing icy road conditions.

Take it Slow

Pay close attention to the weather conditions by keeping your radio tuned into to the weather around you. Also, take your time driving to your destination. Going high speeds when the road is icy is extremely dangerous and can even cause an accident. If the road you are on has accumulated ice, do not drive any faster than 45 miles per hour. This includes highway driving. Remember to put the safety of you and your passengers over arriving at your destination on time.

Take Safety Precautions When Encountering Ice

If you find your vehicle is driving on ice, do not press down hard on your breaks. Anti-lock brakes do not always do well with snow and ice so take it easy to prevent slides. And if you do begin to slide, try turning your wheels in the direction that the rear is sliding.  If you have an accident, avoid getting out of your vehicle. Other drivers may also lose control and end up hitting you. At Moon – Baker Insurance Agency Inc. of Ada, OK, we hope you stay safe while driving. In the event of an accident, give us a call as soon as you can. We are here to help.

What Home Insurance Won’t Cover

Living in Ada, OK can be a lot of fun, and the weather is always changing. Your home is where you go for protection, and the home insurance you have should cover anything you encounter. Knowing what your insurance covers will make it easier to have the right protection in place.

What the Standard Home Insurance Policy Covers

A standard home insurance policy is going to cover several things, including:

  • The dwelling
  • Your belongings
  • Liability

Within each of these, there are going to be caveats. For example, it may cover your dwelling, but not other items on your property. Your belongings will be covered up to a certain dollar amount. If you have a lot of estate jewelry, expensive pieces of art, or high-end electronics, you may not have as much coverage as you think you do.

Reading the Fine Print

The fine print is what will tell you what you aren’t covered against. This can include various scenarios as well as certain incidents. At INSURANCE COMPANY, we can help you read the fine print. It will ensure you don’t miss anything important. Further, we can recommend add-on forms of home insurance coverage, so you have the protection you need.

You may want to add more liability to your policy, or even add for flood coverage or something else. Every policy should be customized so that it covers all that is important to you, including your home and what’s in it.

Your home in Ada, OK is your pride and joy. You don’t want anything to happen to it, which is why it’s important to work with an experienced insurance agent. Contact our agent today to let us help you find a policy that works for you, your home, and your budget.

When You Should Choose Liability Only for Your Auto Insurance

Liability is the cheapest form of insurance, and that’s basically what most people know about it. This type of policy can be extremely limiting, and the results can leave people in a bind. However, that doesn’t mean that it’s not for certain people. Find out more if you would be a good candidate for it if you live in Ada, OK. 

What Is It?

Liability means that your insurance will cover the damages of another person’s car as well as their bodily injuries should you cause the accident. If it’s your fault, you will not get any help for your own injuries or car damage. It will also not cover you if an uninsured driver hits you. 

When to Use It

Liability works when you have a very cheap car. If you know that you’d rather buy another car rather than have major repairs done on your damaged one, then you might be a good candidate for liability. You should also only use it if you know you have excellent alternative transportation to get to work, such as the bus or having a friend or loved on take you. 

You’re Prepared 

Moon – Baker Insurance Agency, Inc. wants everyone to be prepared for what might happen should they get into an accident. Even if people choose liability only, they should know just what those consequences are. Truthfully, very few people can choose liability only, simply because their cars are more valuable than they think. Reliable transportation is a necessity today, and living in Ada, OK means that your car is one of the most important possessions you could possibly have. For more information about liability or for a quote, call Moon – Baker Insurance Agency, Inc. and speak to our agents today for more information.

 

Reasons to Consider Home Insurance

Home insurance is not always a requirement to have. Your mortgage company may require that you purchase it, though, if you still owe money on the home. Even if you are not required to purchase homeowners insurance, you should consider it. There are many benefits to having it. These are just some of them as provided by Moon – Baker Insurance Agency, Inc. serving Ada, OK.

  • It provides peace of mind. Perhaps one of the best benefits of having homeowners insurance is the fact that you can stop worrying. If you have homeowners insurance, you know that your investment, possibly the biggest one you have, it protected. You can go on vacation or even out to dinner knowing that your home is protected from anything that could happen to it while you were away.
  • It can help pay for damages. If your home is subject to a disaster of some kind, then your home insurance can help foot the bill so you do not have to deal with the loss and paying for replacements or repairs. You do not want to pay for these out of your own pocket because they can get expensive and you have already paid for the home.
  • It can help you rebuild a home. If you happen to lose your home in an unforeseen circumstance, your home insurance can help replace your entire home as if it never happened. Without home insurance, you could be left without a home and with an emptied bank account as a result.

If you are interested in learning more about your options or getting some quotes for home insurance, be sure to contact Moon – Baker Insurance Agency, Inc. serving Ada, OK, today! They will be happy to assist you with any of your home insurance needs.

Increase Your Home’s Resale Value

If you are looking for ways to increase your home’s resale value, consider a few quick tips from Ada, OK’s Moon – Baker Insurance Agency, Inc.

Give Your Kitchen an Up-to-Date Look

Start with giving your kitchen an appealing look. The kitchen is one of the most important rooms that buyers show tremendous interest. Old cabinets and appliances should be exchanged for modern-looking versions. The lighting and faucet fixtures should also be updated and energy efficient. Above all, make sure that the kitchen is clean when you have a walkthrough. Dirty dishes can turn off any guest.

Light Can Make All the Difference

Changing your lighting is an inexpensive way to enhance your home’s appearance. If you are able to spend a little more to get natural light that would be best, but giving your old light fixtures a reboot is just as good. Beautiful ceiling fans with lights or decorative lamps would give your home the desired charm you want.

Decorate the Curb

Curb appeal is the first thing people see when they come to your home. In order to get a great resale value, you should enhance curb appeal by installing a new load of sod in your yard. In order to create an inviting atmosphere plant shrubs and other greenery in dedicated areas. Cutting the grass and trimming the trees are also important appealing aspects to consider.

Enhance Your Bathroom Décor

An inexpensive way to increase your home’s resale value is to paint the bathroom. A neutral, solid color will give your bathroom a new and alluring look. An added feature that will enhance your bathroom is tile. Replace your vinyl flooring with tile. You can also add the tile to the walls.

In Ada, OK, the Moon – Baker Insurance Agency, Inc. can help you create the perfect homeowners insurance policy.

What To Do After a Car Accident

In Ada, OK, car accidents can happen at a moment’s notice. When you are involved in one, you’ll be astonished and shaken. You should know what to do before it happens so that you are appropriately prepared. The Moon – Baker Insurance Agency Inc. can offer you peace of mind with the following steps.

  1. Move Over. If it is at all possible, you should move your vehicle out of the way of traffic. If your vehicle is too damaged or you are injured, you should turn on your hazard lights to let others know that you are unable to move.
  2. Call the Police. Whether the accident was major or minor, the police can take a report, which you may need when filing an insurance claim.
  3. Check on Others. Check to see if passengers in your vehicle or those in other vehicles were injured. If so, call an ambulance. Do not attempt to pull an injured person from a wrecked vehicle unless they are in immediate danger.
  4. Gather Information. You can use your phone to take down the other driver’s information as well as take pictures of both vehicles. Make sure to get the name on their driver’s license and the number. You should also copy down the make and model of the car and the license plate.
  5. Jot it Down. Write down the details as soon as you can. The sooner you write it down, the better. Memory is fluid and you may recall details right after an accident that may escape you weeks later.
  6. File a Claim. Contact your insurance company immediately.

Serving the Ada, OK area, the Moon – Baker Insurance Agency Inc. has a team of independent insurance agents that are available to support you before and after an accident. You can also learn about establishing an auto, home, commercial, and other insurance policies that you may need.

Avoiding Winter Home Damage In Oklahoma

At Moon-Baker Insurance Agency, we’ve seen a lot of our Oklahoma-based clients suffer from unnecessary winter home damage. There’s no need to let winter sneak up on you again this year. The following tips will protect your home from serious damage.

Simple Home Repairs Help A Lot

Before winter hits Ada, OK this year, you should perform a few simple home repairs. Though they seem small, they will help your house survive the cold winter weather. These tips include:

  • Cleaning out your gutters – this keeps them from creating ice dams which can devastate your roof
  • Running a small trickle of water in your sink when temperatures drop below freezing to prevent burst pipes
  • Tuning up your furnace by calling a professional heating expert
  • Inspecting your home’s siding and having damage repaired as soon as possible
  • Clearing junk and debris off of your heating vents to promote better air flow

Preparing For Winter Storms

When winter storms hit in Oklahoma, they can be devastating: since 2007, 55 people have died due to winter storms, with infrastructure damage topping $250 million. Keep your home safe from winter storm damage by following these tips:

  • Install tough installation to protect your home from freezing temperatures
  • Store your vehicles to avoid damage
  • Shovel snow off of the roof of your home and garage before the storm
  • Hire a professional snow mover to take excessive snow out of your yard before the storm
  • Cover your windows with protective plastic to keep them safe from ice and hail damage
  • Clean out your fireplace (if you have one) to ensure it can run properly and warm your home during the storm

Contact Us Today

If you need help preparing your Ada, OK home for winter, or if you need a great source of home insurance, please contact us at Moon-Baker Insurance Agency today. We are willing to help you avoid the kind of home damage that makes winter in Oklahoma so devastating.

Home improvement projects that are perfect for the fall months

For a variety of reasons, fall is a great time of year to take care of some important home improvement projects. In the fall months, the weather cools down and storms become less likely. Also, home improvement projects can help to get a home improved and prepared for the holiday season. 

The following are three great fall home improvement projects to take care of in the coming months:

Lawn maintenance

Weeds and other vegetation tend to die back as the weather cools down. This provides a great opportunity to take care of some lawn maintenance projects. You can winterize flower beds by removing annuals and putting down some fertilizer and other supplements that are good for your soil. You can also plant some plants that can grow right through the winter so that your lawn doesn’t look to barren when it gets cold.

Roofing

The condition of your roof is important during the winter to prevent snow and other precipitation from causing leaks. Whether your roof just needs a few patches or complete replacement, it’s important to take care of the issue before winter arrives. Patching up leaks once the cold and snow arrive is much harder than preventing them with fall repairs.

Installing wood flooring

A lot of adhesives that are typically used to help hold wood flooring down are best applied during a very narrow temperature range that’s ideal for early fall. Typically, temperatures need to be between 70 and 80 degrees Fahrenheit for ideal drying and bonding. 

One of the most important considerations when it comes to home finances is having the right home insurance. To learn more about home insurance products available, contact Moon – Baker Insurance Agency Inc.