Moon-Baker Agency

130 E Main St
Ada, OK 74820

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Moon-Baker Agency Blog

In Ada, OK, Why Do I Need to Have Auto Insurance?

In Oklahoma, drivers are legally required to obtain and maintain minimum liability coverage.  The state’s requirement is known as 25/50/25 denoting the levels of coverage drivers need for personal injury, the accident itself and property damage.  It is a good idea to talk with an agent in Ada, OK about higher levels of coverage.  There are several pragmatic reasons for this.  First, the minimum liability coverage only pays for the repair or replacement of the other party’s vehicle if the policyholder causes the accident.  It will also pay the medical expenses of the other party in an accident caused by the policyholder.  It will not cover the repairs, vehicle replacement or medical expenses of the policyholder.  In addition, if the medical expenses or repairs exceed the amount covered by the policy, the individual can sue to cover the additional expenses.  With the ever-rising costs of repairing or replacing a car coupled with the expense of medical care, it’s wise to consider buying additional coverage. 

Most lenders require that drivers obtain and maintain collision or comprehensive insurance policies for the lifetime of the loan.  This protects the lender should the car be damaged or totaled in a vehicle while money is still owed.  An insurance agent can explain the available options.  In general terms, though, a collision policy provides coverage should an automobile need to be repaired or replaced following an accident.  The insurance company will pay out the fair value of the car minus depreciation.  A comprehensive policy provides additional coverage relating to the damage or destruction of an automobile not related to an accident.  Examples of this include fire, hail, vandalism, and theft. 

The staff at Moon – Baker Insurance Agency serve the Ada, OK area.  They are ready to help the client get the coverage they need.  Get a fast quote online them give them a call today!

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 a 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.