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Ada, OK 74820

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Moon-Baker Agency Blog

Should I inform the home insurer in Sulphur, Oklahoma, if I have changed the security system of my house?

You probably choose to have a security system for your home to protect your family in case of a break-in or other incident. However, having one installed in your home could possibly make an impact on the rates you pay for insurance. Because of this, you may wonder– “Should I inform the home insurer in Sulphur, Oklahoma, if I have changed the security system of my house?”

First, you should look at your insurance policy and see if you are receiving any type of discount for having the system in the first place. If you are not, then you are not under any actual obligation to tell your insurer you are making this change. But, in this case, you may be missing out on a valuable discount. So, it may make sense to go ahead and make an appointment with your agent and get that information accurately on the record.

If, on the other hand, you are receiving a discount for having a home security system, it is very important that you report this to your insurer. It is up to you to report any changes that could have an impact on your insurance. Then, you can get the exact insurance, and discounts that you need. If you work with us, as your independent agent we can take care of reporting those changes for you.

If you have further questions about how your home’s security system can impact your insurance rates, give us a call. If you are in or around Sulphur, Oklahoma, an independent agent from our firm can run a live comparative search and help you find the best home insurance for you and your family.

Can I file a claim on my auto insurance policy in Sulphur, Oklahoma if my car is damaged by a pothole?

Sometimes you see potholes and sometimes you don’t. Potholes are just one of the many hazards you might encounter when driving down the street in Sulphur, Oklahoma. If you hit a pothole and it causes damage to your car, you may be able to file a claim with your Oklahoma auto insurance company.

Hitting a pothole can do minor damage to your car, or, it can result in an expensive repair bill. If you get a flat tire, you are looking at a bill from maybe twenty-five dollars to patch the tire or several hundred dollars to buy and install a new tire. It could also cause more serious and more expensive damage such as a broken axle. If hitting the pothole causes you to lose control of your vehicle and slam into a tree, the damage could run into the thousands.

As long as you have auto insurance that includes collision, you will be able to file a claim with your carrier for the damage caused by your encounter with the pothole. Your auto insurance company will get an estimate from an appraiser and determine e the amount of damage. After you meet your deductible, any amount of the claim above the deductible will be paid for by the insurance company.

You should think before filing a collision claim with your auto insurance company. If you file a claim, your rates may go up when it comes time to renew your policy. If, for example, you have a $250 deductible and the damage is $300, it would probably be smarter to pay the extra $50 yourself and not file a claim with your car insurance company.

As your independent agent in Sulfur, Oklahoma, we are here to help you with all types of claims. Before you file a claim for damage caused by a pothole, give us a call and an independent agent will go over all of your options so you can make the smartest choice of how to proceed.