Does your Oklahoma home have the protection it needs?

Posted on March 31, 2022April 15, 2022 by admin

If you want to make sure that your Muskogee, OK area home has the protection it needs, give the D & E Insurance Agency a call today. We can help you determine if your current policy provides the protection you need.

How a comprehensive home policy can help you

When you have a comprehensive home policy in place, you can rest assured that you have the coverage you need. Our homes and belongings are a massive part of our lives, and they need to be protected.

By ensuring that there are no gaps in coverage or protection in your current policy, you can feel confident that any accident will be covered.

A comprehensive policy can help protect things such as electronic devices and equipment, artwork, jewelry, and other personal items. This is in addition to the structure of your home and any outbuildings. While every situation is different, having comprehensive coverage may also include having a separate personal article policy or rider.

Working with a local agent who will take the time to review your insurance needs thoroughly is an incredibly effective way to ensure that you get the protection you need. Now is a perfect time for a complete policy review!

Want to find out more? Call us today!

D & E Insurance Agency is there to help the entire Muskogee, OK community with all of its insurance needs. Our team understands how important your home is to you, and we want you to have the coverage you need. Give us a call or stop by today to find out more!

Does my auto insurance cover a rental car

Posted on February 15, 2022February 3, 2022 by admin

When you choose an independent insurance agent, they work for you not for one insurance company. Independent agents represent many carriers, which allows them to find one that is the perfect fit for every customer. At D & E Insurance Agency in Muskogee, OK, we work with our customers to personalize their insurance coverage.

When it comes to renting a car, you will probably be doing it online. These days it is the usual way to rent a car. As soon as you have placed your dates, destination, and car choice, questions about insurance coverage will start to pop up. Nobody wants to pay for insurance they don’t need at the same time, no one wants to be driving without having the coverage they need.

Whether or not your auto insurance will cover a rental car depends on exactly what your policy looks like. If it is a basic auto insurance policy, then there will not be enough coverage. You need to have a policy with collision and comprehensive coverage. It needs to protect the vehicle itself, not just you, from liability.

Before you decide to say yes to any coverage that the rental car company offers, check with your credit card company to find out if it provides rental car coverage. Many of them do.

You do not need to take additional liability coverage from the rental car company if you are happy with your coverage. If you have home, condo, or renters insurance, you don’t need theft insurance for your vehicle. All you need is a CDW that takes you out of the picture in the event of damage to the car. It’s expensive but gives peace of mind.

Contact D & E Insurance Agency in Muskogee, OK when you are in the market for auto insurance.

Why home-based businesses need commercial insurance

Posted on January 24, 2022February 3, 2022 by admin

About 50% of all businesses are home-based. There are many reasons for their popularity, but when you are considering starting your own business, it takes less cash outlay if you don’t have to rent a building for your business. It also allows more freedom to run your business out of your home. Protecting your home business is every bit as important as one with a brick-and-mortar location. D & E Insurance Agency in Muskogee, OK is your local independent insurance agent and we take the time to get to know our customers to better serve them.

Liability

Home insurance includes liability coverage and it will protect you from an injury that happens to one of your guests or to someone a member of your family injures. If you are using your home for business and customers or clients are visiting you there, they will not be covered by your home insurance liability coverage. You need to have specific commercial liability in order to protect yourself and your assets.

Property

Home insurance protects your home from a variety of hazards. In the event that something happens to your home, your business could be seriously damaged. Home insurance is going to have very little coverage for your business machinery, office equipment, and other things that you need to do business. You need these things to do business, it is important that you make sure you have the coverage you need.

Auto

If you are using your personal auto for business purposes, you need to have commercial auto insurance. A personal auto policy will not cover any damage that is incurred while you are using your vehicle for business purposes. It isn’t worth the risk not to have it.

Contact D & E Insurance Agency in Muskogee, OK to discuss the importance of commercial insurance to home-based businesses.

A Brief Look at Things Your Homeowner’s Insurance May Not Cover

Posted on December 20, 2021December 18, 2021 by admin

Your home insurance policy is designed to protect you, your family, and your home against an assortment of risks. For instance, if a fire breaks out, your home is vandalized, or a bad storm blows through, your home is protected if it is damaged. Your home insurance policy also covers medical and legal expenses in the event another person is injured while at your home. However, the traditional home insurance policy won’t cover everything. The team at D & E Insurance Agency wants to explain a few things that may not be covered under your Muskogee, OK home insurance policy.

Earthquake Damage

Although a natural disaster, earthquakes are not covered under the standard home insurance policy. If you live in an area where natural disasters like earthquakes and mudslides are common, you will want to speak to an agent about specific coverage for this event.

Flood Damage

Whether from a hurricane, heavy rainstorm, or burst pipe, flood damage also isn’t covered under your conventional policy. Again, you will need to purchase additional coverage specifically related to flood insurance in order to ensure you are covered when a disaster like this strikes.

High-Value Items

High-valued items like artwork, jewelry, collectibles, and the like are actually covered by your home insurance policy—but only up to a certain amount. Therefore, in the event of a covered loss, you may need to purchase additional coverage to ensure you are fully compensated for your assets. This may require an appraisal so you know how much your items are worth, then you can obtain adequate coverage for your items.

When you are in need of home insurance in Muskogee, OK or a policy to cover one of the aforementioned events, reach out to the team at D & E Insurance Agency. We can help you identify your specific needs and set you up with a policy that matches your lifestyle and budget.

Renters insurance FAQs

Posted on November 15, 2021October 11, 2021 by admin

When you are a renter in Muskogee, OK, you may wonder if there is any need for you to have renters insurance. At D & E Insurance Agency we put the needs of our clients first. We work for you, not the insurance carriers. Making sure you are satisfied with the coverage we find for you is our primary goal.

Doesn’t my landlord have insurance?

Your landlord probably does have insurance to protect the building that they own. Their building insurance, however, does not protect your possessions or offer your liability coverage if someone is injured in your rental. They are only protecting their own property.

Does renters insurance cover my dog?

Yes, renters insurance covers your dog as long as it is not one of the excluded breeds. You should call your agent and check what breeds are excluded by your carrier.

Will I be covered if someone gets hurt at my rental?

Yes, you will, renters insurance has liability coverage. It will pay for medical expenses and, if you are sued, a judgment up to the limit of your policy. It will also pay legal fees.

What kind of content coverage does rental insurance have?

You have a choice when you get a rental insurance policy. Content coverage comes in two types; the value of your content today with depreciation included, or what it will actually cost to replace it.

What is loss of use coverage?

In the event your rental is rendered uninhabitable by a covered hazard, you will need a place to stay. Loss of use coverage will pay for a hotel and then for a temporary rental until you can move back home. It may even pay for some meals.

Contact D & E Insurance Agency in Muskogee, OK for all your insurance needs including renters insurance.

Required Auto Insurance in Oklahoma

Posted on October 15, 2021October 11, 2021 by admin

In Oklahoma, there are laws about the kind of insurance that you must have on your vehicle as well as how much of each coverage type you need. This is not a limit on how much insurance you can have, however. It’s generally recommended to add more coverage to an auto policy in Oklahoma. The required amounts in Oklahoma are low when compared to other states, and adding onto your maximum payout amounts is a smart move. If you’re interested in auto insurance, call us today at D & E Insurance Agency in Muskogee, OK.

Bodily Injury Liability

When you get your auto insurance, there are two amounts of bodily injury liability protection that you must have. This includes a specific amount of coverage for one person who becomes injured in an accident. There is another, the higher amount required for when an accident injures two or more people. Both of these amounts are too low to pay for a serious accident in many cases. In some cases, the medical bills may go on for weeks or more as someone receives care after the accident. Your bodily injury coverage even pays for your own lawyer’s fees.

Property Damage Liability

The state of Oklahoma also requires you to have at least a specific amount of coverage for any property that is damaged during an accident that you caused. This coverage can cover items in the other car that get broken in the crash as well as property damage is done to a home or to landscaping. This coverage is vitally important not only because it’s required but because it can save you from financial disaster if another vehicle or other items are damaged and you don’t have the money to fix it all.

Get Your Auto Insurance

If you need auto insurance in Oklahoma, call us at D & E Insurance Agency in Muskogee, OK.

Required Commercial Insurance in Oklahoma

Posted on September 30, 2021October 11, 2021 by admin

Oklahoma has two types of commercial insurance that the state requires for many businesses. These are both important for protecting your business against huge costs and lawsuits. When your business needs commercial insurance, call us now at D & E Insurance Agency in Muskogee, OK.

Workers’ Compensation

Workers’ compensation insurance is a type that pays for the resulting costs that are caused by an accident or occupational illness that an employee gets from work. This insurance allows the policy to pay for the medical bills as well as lost wages and certain other costs that are left behind after an accident or illness. In Oklahoma, you are required to have this coverage if you have any number of employees at all. Even if you employ only one part-time worker, your business must have workers’ compensation for that worker.

Commercial Auto Insurance

For Oklahoma businesses, if your company owns a vehicle, you must have a commercial auto policy for that vehicle. This insurance has specific minimum amounts of coverage that are set by the state. These include a specific amount for bodily injury liability for a single person who gets injured in an accident. There is another, higher, amount required for everyone who is injured in the accident. There is also a minimum amount for property damage liability coverage. All of these coverage types have relatively low minimum amounts required, and adding higher amounts to these can help you to get a serious accident paid for. If you don’t have enough insurance coverage to pay for the medical bills and/or property damage, it will be up to you to pay for what is left.

Get Your Business Covered

Your business needs to stay compliant with state laws, and you may need commercial insurance in order to do so. Call us at D & E Insurance Agency in Muskogee, OK.

Why Every Homeowner Needs Home Insurance

Posted on August 16, 2021August 8, 2021 by admin

Owning a home is a big responsibility, and part of that is to get a home insurance policy. If you need a home policy, give us a call today at D & E Insurance Agency in Muskogee, OK.

Protection for the House

The house itself is an enormous investment that you need to protect. With home insurance, you are protected against a wide variety of situations including disasters and accidents that can happen to a house. With this protection, you can have the house repaired or rebuilt after something serious happens to it. The policy can even pay for you to live somewhere else while the repairs are made if the house is uninhabitable.

Covering Your Possessions

Another part of home insurance is the coverage for your belongings that are located in the house or on the grounds. This coverage allows for you to get help with replacing items if you should have significant amounts of damage or destruction happen to your things. Often, damage to the house and to the belongings happens at the same time, and both issues may be covered with home insurance.

Taking Care of Liability

When you own a house, you may be held liable for a number of accidents that can happen in your home or yard. Often, accidents like this lead to injuries, and this can then lead to lawsuits. When you have home insurance, your liability is covered. This can help to prevent lawsuits as well as protecting your finances against owning major medical bills due to an accident. It can help you to protect your family’s future by paying for these bills. It may also pay for lost wages after an accident if needed.

Get Home Insurance

If you don’t have your home insurance policy yet, don’t wait. Call us at D & E Insurance Agency in Muskogee, OK.

How to Make a Renter’s Insurance Claim in Oklahoma

Posted on July 30, 2021August 8, 2021 by admin

When you are a renter in Oklahoma, you will be assuming some risks in and around your home. Your renter’s insurance is designed to protect you financially from those risks.

You may have exposed yourself to financial liabilities already, without even knowing it. That is what renters’ insurance is for. At D & E Insurance Agency, we want Muskogee, OK residents to know how and when to make a claim on their renters’ insurance in Oklahoma.

What Information Do You Need?

When you have renters’ insurance, there are a number of things that you can make a claim for. Before you call your insurance company with a claim, have as much documentation on hand as you can.

That may be a police report, hospital or doctor expenses, or you may just need a home inventory if the claim is for property loss.

When you get your renters’ insurance, take a video and photos of the layout of your home. You want to also take a video and photos of the layout of your home when you are making an insurance claim.

If you don’t have that, a list of everything that you have lost and its value is the next piece of documentation that you need.

When you have the documentation that you need, make the call to your insurance company.

How to Handle Your Renters’ Insurance Claim

To make a renters’ insurance claim, take your documentation with you to the phone call. Tell them what happened, and they will instruct you on the next step.

In order to ensure that your claim is handled quickly, return every phone call quickly, and handle the forms quickly as well. Always be completely honest with your insurance company. They may have investigators looking into your problem, and your claim could be denied.

Follow the instructions of your insurance company to the letter. Your claim will be processed that much faster.

Get a Quote

Filing a claim with your renters’ insurance company is easy, and it will make you glad that you have renters’ insurance in Oklahoma. At D & E Insurance Agency, we want Muskogee, OK renters to feel secure. Call us for a quote today.

Do You Have Enough Auto Insurance?

Posted on June 14, 2021June 14, 2021 by admin

With so many motor vehicle coverages available, most vehicle owners face the challenging task of determining the exact amount of insurance they need. Ask any insurance agent, and they will tell you they’ve encountered the question: how much car insurance coverage do I need?

Unfortunately, there’s no precise answer to the inquiry. The amount of auto insurance needed primarily depends on the number of coverage you are considering and the deductibles you can comfortably bear. According to the D & E Insurance Agency of Muskogee, OK, here is how you determine the amount of car insurance needed.

Liability Insurance

In almost all the states, the law requires that you have liability insurance cover if you own a vehicle. This insurance coverage comes to your rescue when your car causes injuries or damages to other people or their properties.

Whereas you can’t predict the extent of damages or injuries you’d cause, you should have higher liability coverage — this would enable you to cover more damages.

Experts recommend having 100/300/100 liability insurance if you are to be on the safe side. This simply means $100,000 per individual, $300,000 per crash (bodily injuries), and $100,000 (property damage liability). If you have a high liability exposure, consider umbrella insurance.

Collision Insurance

This sort of insurance coverage protects your auto in case of a collision with other cars or properties. It’s essential to have this coverage as it covers your auto’s repair cost after an accident. But how much of it do you need? You should have coverage that repairs or replaces your vehicle without incurring out-of-pocket expenses.

Comprehensive Insurance

Unlike the collision insurance cover, comprehensive insurance coverage shields your vehicle from any damage that arises from reasons other than collision. For instance, a falling object can hit your auto while it’s parked. Like collision coverage, you should carry comprehensive insurance sufficient to cover repairer replacement of your vehicle without incurring expenses from your pocket apart from the deductibles.

The bottom line

Although there are several other auto insurance coverages that you should consider when answering the question “how much motor vehicle insurance do I require?” the above are the most common. If you are stranded, D & E Insurance Agency in Muskogee, OK will guide you to figure out the amount of insurance you need.

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