Having the right insurance to protect what’s yours is extremely important. One of the best ways to do that when you don’t own your home is through renters insurance. This insurance doesn’t provide coverage for the structure you’re living in, but it does cover the items inside of that structure. So it’s not for the dwelling, but for your belongings instead. At Vance Insurance Group, LLC, we can help customers in the Oklahoma City, OK area find the insurance policy they need when they’re renting a place to live, so they can feel confident that they’re protecting their belongings the right way.
A renters policy is focused on the renter’s personal items, including clothing and furniture. If you have something more unique or unexpected, such as an antique hutch or a grand piano, for example, you’ll want to make sure you talk with your agent about whether you’ll need a higher level of coverage. Some people want to add to their policy when they have these kinds of items because they can be more difficult to replace under the standard coverage limits. A dedicated agent can help you find the policy that’s truly going to meet your needs.
Reach out to us today at Vance Insurance Group, LLC and let us help you with your renter’s insurance needs. If you’re located in the Oklahoma City, OK area, we’re here to give you the support and guidance you need to select the right policy to protect your belongings. You don’t need to worry about the structure of the house or apartment. That’s the responsibility of the landlord, and they’re the ones who provide insurance for it. But if you want to protect your personal belongings, you need to make sure you have a rental policy you can rely on.
Based in Oklahoma City, OK, Vance Insurance Group LLC serves the community by offering residents multiple types of insurance policies. We are committed to helping our clients find policies that will allow them to enjoy peace of mind.
Common Motorhome Insurance Myths
As you travel through Oklahoma City, OK, and enjoy everything that the city has to offer, it’s important that you have coverage in the event of an emergency. Motorhome insurance covers you if your motorhome breaks down and you need assistance. The policy also covers your personal items inside the motorhome if they are stolen or vandalized. Storage coverage protects your motorhome while you are camping. While you are researching different policies, avoid some of these common motorhome insurance myths.
You Can Rely On Your Auto Insurance
This is incorrect. In order to properly secure your motorhome, as well as your possessions inside of it, you need a motorhome insurance policy. You cannot cover your motorhome through another type of policy. Motorhome insurance provides comprehensive coverage.
All Coverage Is The Same
Motorhome insurance varies based on the type of vehicle that you have. If you have a small motorhome, your policy will be different than if you have a larger motorhome. Your policy may also vary based on the amount of traveling that you do in your motorhome.
I Can Use Travel Trailer Coverage For Everything
This is incorrect. If you are renovating your motorhome, you cannot use travel trailer coverage to protect your belongings. Only a comprehensive motorhome insurance policy will cover everything.
Vance Insurance Group LLC Is Here For You
Visit our website today to learn more information about motorhome insurance.
You are packing up and getting ready to head off to a place with beautiful scenery to camp for the weekend in your new RV (recreational vehicle). Still, do you have the proper insurance coverage in place to protect yourself and your investment?
In Oklahoma, you must have at least liability insurance on your RV, just like you do for a truck, SUV, or car. This will pay for injuries or property damages sustained by others if there is an accident that is deemed to be your fault.
Uninsured and Underinsured Motorist Insurance
In addition to liability insurance, it is a good idea to obtain uninsured and underinsured motorist insurance. This means if someone without insurance or very little insurance hits your RV with their vehicle, this part of your policy will pay for the repairs to your RV and get you back on the road in no time at all.
Comprehensive Insurance Coverage
If your RV is stolen or broken into and items inside are stolen, comprehensive coverage will cover your losses. Also, if your RV is damaged by a fire, vandalism, or natural disaster, this part of your policy will pay for repairs or to replace it if your RV is destroyed.
Collision insurance covers the repairs to your RV or will replace it if it is a total loss when involved in an accident with another vehicle or with an object, such as a tree when you are backing into a camping site at your favorite campground.
To create the best RV insurance policy for you, your situation, and your RV, you should enlist the help of a licensed insurance agent who is experienced and knowledgeable with RV insurance. The RV insurance agents at the Vance Insurance Group, LLC in Oklahoma City, OK are ready to assist you with all of your RV insurance needs. Call to make an appointment today!
Are you a new motorcycle owner? Depending on where you live and your circumstances, you won’t have your motorcycle on the road throughout the whole year. This is especially true when you live in the Oklahoma City, OK area. If you have questions about how your motorcycle insurance coverage may change when you have your bike in storage, talk to an agent at Vance Insurance Group, LLC.
What happens when a motorcycle is put in storage?
If you know that you’ll have your motorbike in your garage or elsewhere off of the road for some part of the year, it’s necessary to tell your agent this when putting together your insurance policy. You can set it ahead of time if you know which months you’re going to have it stored away, or you can wait until shortly before this occurs. Ask him or her about coverage options. Most agencies work with this by taking away all the motorcycle insurance besides comprehensive for this time.
What does comprehensive insurance typically cover?
When you have comprehensive insurance for your motorcycle, this will apply to instances of storm and fire damage as well as theft. The major things that can happen to your bike when it’s locked away and not in use are covered under this type of policy. If there are particulars that are of concern, be sure to speak up, so you know if it’s going to be part of this coverage.
Vance Insurance Group, LLC is here to support you in the process of setting up top-notch insurance packages. We understand how important your motorcycle is to you and that any policy should be customized to your specific situation. Reach out to us if you’re looking for motorcycle insurance policies in Oklahoma City, OK, and the surrounding region.
Vance Insurance Group, LLC serves the Oklahoma City, OK community, through offering multiple insurance policies. We strive to ensure that our clients find the coverage they need to protect their assets. The future is impossible to predict. That’s why we are committed to helping our clients find coverage that will give them a piece of mind.
Boat Insurance Options
During warm Oklahoma summers, many people take their boat for a spin by the lake. If you enjoy using your boat regularly, it’s vital that you have protection in place. Boat insurance allows you to cover your assets. Unfortunately, there is a lot of misinformation regarding the significance of boat insurance. Here is a look at some common boat insurance myths.
Boat Insurance Myths
Boat Insurance Isn’t Necessary
If you use your boat regularly, boat insurance can be a significant asset. Boat insurance protects you if you are involved in an accident. The policy also covers your boat if it is stolen or vandalized. Even if you keep your boat in storage and only use it a few times, boat insurance gives you an extra layer of protection.
I Can Rely On My Home Insurance Policy
Your home insurance policy may not cover your boat. Make sure that you research different policies to learn what they entail. However, the easiest way to ensure full protection on your boat is through boat insurance.
I Can Take My Boat Anywhere
Be aware that your policy may only cover usage to a particular area. Once you go beyond that area, you may not be covered. That’s why you should read through the language in your policy carefully.
Find Boat Insurance Coverage Through Vance Insurance Group, LLC
We recognize that purchasing a boat is a considerable investment. That’s why we will sit down with you and help you find the policy that suits your needs. Stop by our office in Oklahoma City, OK today.
Being a landlord in Oklahoma City, OK means dealing with many different types of insurance policies to protect yourself and your tenants. However, many landlords overlook the importance of umbrella insurance. While anyone may benefit from umbrella insurance, landlords stand to benefit the most from umbrella insurance. If you are a landlord and are not sure why you need umbrella insurance, Vance Insurance Group, LLC will share with you instances when a policy can save you financially.
Tenants suing landlord is common
Being a landlord comes with its fair share of challenges. Dealing with difficult tenants is one major challenge, as it all can lead to expensive lawsuits. A tenant can sue you for many things, including:
- A child who is playing in your compound trips, falls, and gets injured
- A tenant slips and falls on the stairs in your rental property
- A tenant who thinks you lied to them or told lies about them
- If you wrote something untrue or discriminatory
Sometimes landlords are sued for discrimination. Sometimes things can get bad where you are arrested falsely, detained, or imprisoned. Whatever reason, having personal umbrella insurance can help finance any lawsuit thrown your way.
How else can a landlord benefit from umbrella insurance?
Lawsuits reign in Oklahoma City, OK and across the US. Umbrella insurance does not stop at your rental property because it is a personal policy. That means that umbrella insurance can be used in almost every aspect of your life where lawsuits could be imminent. For instance, if a guest is injured in your home and sues you for injuries, umbrella insurance can come in and fix the legal fees.
Are you looking to buy umbrella insurance soon? Vance Insurance Group, LLC is here to help. Feel free to contact us or visit our office for more information, queries, quotes, or new policy discussions.
If you are like most people, you’re wondering if life insurance is worth the extra expense each month. Life insurance coverage is essential for different reasons. This type of insurance provides financial security for your loved ones if you pass away. Here are other factors you need to know about life insurance for Edmund and Oklahoma City, OK residents.
Is Life Insurance Necessary?
No law in Oklahoma requires its residents to carry an active life insurance policy, but here at Vance Insurance Group, we think it’s a good idea to get it if you have a family. To help you determine if life insurance is right for you, consider:
- The amount of debt you have
- The amount of income your family will need to replace
- Whether other expenses will be a problem
What Are the Types of Life Insurance?
There is term life insurance and permanent life insurance.
Term Life Insurance
Term life insurance offers coverage for a specific period. This period can be anywhere from one year or thirty years or longer. Term life insurance allows you to choose the term length. If you want a lump sum to be paid to your beneficiaries, called a death benefit, term life insurance is ideal for your situation. This type of life insurance allows you to extend your policy for additional terms without a medical exam. You can also convert your insurance policy from a term policy to a permanent policy without being required to take a medical exam.
Permanent Life Insurance
Permanent life insurance is ideal if you want to build savings over time. You can use these savings in a variety of ways. You can withdraw from these savings, pay premiums, borrow against them, or invest. The two different types of permanent life insurance are whole life and universal insurance.
Here at Vance Insurance Group, we know buying insurance can be complicated. We’re here to help you through the insurance process and get you the coverage you need. Contact us today to inquire about the insurance solutions we provide for Oklahoma City, OK residents.
Work with a team that makes it easy for you to shop for the policy that benefits you. Sometimes shopping for insurance for the first time or switching to a new insurance company/agency can become confusing. While on the road, it is imperative to always have insurance because driving without auto insurance can get you in a lot of trouble (driver’s license suspended, car repossessed from the dealership financing your vehicle, or a $250 fine and up to 30 days in jail). In the state of Oklahoma, it is required for drivers to have auto liability coverage. The latter will cover any other driver’s bodily injury expenses and property damage if you are at-fault for an accident on the road.
Vance Insurance Group, LLC is an independent insurance agency located in Oklahoma City, OK. As an independent agency, we are able to offer the best options for all of our clients. Our staff is highly trained and equipped with the best knowledge and information about auto insurance. Our goals are to make sure that our clients are happy, satisfied, and protected at all times. Details such as your commute, what you plan to use your car for, and more are what our agents look into. Choosing your auto insurance is not a decision that you have to rush into at all, that is why our team will work with you as much as you need us. We provide enhanced and personalized services to ensure the best outcome for the client.
Are you ready to set a consultation meeting with one of our agents? Please feel free to call us at (405) 293-6475. Email or contact our office in Oklahoma City, OK, and an agent will respond to your inquiry as soon as possible. We will be ready to assist you until you are happy with the policy that you acquire.
Managing risks in a business is an everyday practice. Owners continuously have to juggle multiple tasks if they hope to keep making money by satisfying their many clients, vendors, third-party partners, customers, etc. If you live in Oklahoma City, OK, Vance Insurance Group, LLC wants to provide you with information about how to keep yourself safe.
Keep On Top of Things
There’s a lot of reasons to delegate your responsibilities to your employees. Not only is it recommended, but it’s also often the only way that you can manage every duty. But sometimes, when you give too much over to your managers and right-hand men, you end up out of the loop.
So if someone made a mistake along the way and it was never corrected, you’ll only have so much recourse if you discover it too late. And even if your employees can handle the responsibility, they can’t always be there when you need them. This can lead you to make an error down the line if you’re unaware of what’s going on.
Even when you’ve heard it before, this can’t be stressed enough. Having emergency contingency plans may not be able to solve every crisis, but it can mitigate disasters, so the damage isn’t so bad. If you live in Oklahoma City, OK, you have to keep in mind what you would do if the worst-case scenario occurred.
Vance Insurance Group, LLC understands what it means to manage risks — we do it every day. If you have questions about what type of coverage will set your business up for success, we’re here to set the record straight. Give us a call today and tell us about the daily threats you face regularly.
Your first home is an investment that can increase your comfort, opportunities, and net worth. Part of getting the most out of your new residential property is having the right insurance coverage. Vance Insurance Group of Oklahoma City, OK provides customized home insurance policies for first-time homebuyers.
What Does Home Insurance Cover?
Homeowner’s insurance policies are designed to protect your financial interests. While each contract is different, there are some basic coverages you can expect from most policies.
- Liability coverage provides funds that pay for legal fees and court-ordered costs for events that happen on your property. This coverage also gives money to people who are hurt while visiting your property.
- Dwelling coverage gives you money to fix your home after it is damaged through a covered event. Talk to the agents at Vance Insurance Group, LLC for a detailed explanation of what your home insurance policy covers.
- Personal property protection ensures that you have enough cash to replace your clothing, collectibles, and other personal items after a covered event. Your agent can help you decide how much coverage you need to protect your high-value possessions.
A reliable home insurance policy protects your personal cash flow by providing funds for emergencies. For new home buyers, this is an integral part of ensuring that you can continue to live in your home, no matter what happens.
Do You Need Home Insurance?
While the state of Oklahoma does not require you to have an active home insurance policy, it isn’t a good idea to go without one. One emergency could clear out your savings and leave you struggling to maintain your quality of life.
There are many ways to customize your policy to fit your lifestyle, property, and personal circumstances. Let the expert agents at Vance Insurance Group, LLC guide you to the perfect home insurance plan for your Oklahoma City, OK residence.