FM Insurance

Don’t Face Medical Issues Alone

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Health care has become a driving concern for many people. Our health is what we have all our lives, and issues that impact it may affect life for a long time to come. Be certain your health insurance is the best you can have so that medical expenses are reduced for you and your family. Assure yourself of access to hospitals and doctors that can help you in your time of need. FM Insurance, serving the Oklahoma City, OK area, stands ready to provide you with the health insurance information you need to make those important decisions about coverage and care. We’ve even provided an online tool for researching online quotes for health insurance so that you can know within minutes what options are there for you. 

With recent government mandates requiring health insurance coverage, the choices can be overwhelming. Our agents are trained to know the latest insurance coverage options within Oklahoma so that you have the knowledge that you need at your fingertips to make your health insurance choices. Our online quote tool is not the only available way to get yourself the information you need. Call us or come in and sit down with an agent. We can explain the nuances of health coverage or skip over the parts you already understand. We’ll show you coverage options and make sure you understand the terms and policy details. There’s no need to remain confused about health insurance. FM Insurance, serving the Oklahoma City, OK area, is prepared with up-to-date insurance information and the experience to help you understand it all. When you want reliable health insurance coverage but don’t want to call several insurance providers and do all that research, trust FM Insurance to have the information ready for you. Call us today.

 

Identifying The Major Benefits Of Life Insurance For Fire Fighters

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The firefighters of Oklahoma City, OK deserve the kind of life insurance coverage that will protect their families in the case of an emergency. Some may think that their dangerous job makes it impossible for them to get insurance, but that is thankfully not the case. We at Freeland Insurance can help you better understand the major benefits of firefighter life insurance.

Plans Are Specific To The Job

When a company provides life insurance policies for firefighters, they typically offer policies that are specific for those who perform this job. Like with other life insurance policies, it will cover accidental death while the firefighter is on duty. This differs from other types of policies because other types may not cover these types of deaths.

The Benefits Of These Policies

Companies that provide life insurance policies to firefighters treat it like any other policy. They don’t discriminate against you due to your challenging job and are willing to work with you to find a policy that is affordable and comprehensive. In fact, you may be able to get better policies if you are in great shape.

Many insurance companies look at the history of your profession, accidents you may have suffered in the past, and hobbies to find a reliable policy. Once you get a policy, your family is protected in the case of your accidental death. For example, life insurance can help pay for your funeral and provide your family with the funds they need to get back on their feet if you pass.

Get Help Today

If you’re a firefighter who is looking for high-quality life insurance in Oklahoma City, OK, contact us at Freeland Insurance to learn more. We can help provide you with the guidance you need to choose the right policy for your needs.

Hosting Guests for the Summer? Make Sure You Have Adequate Insurance Coverage

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As a homeowner, you’re responsible for the health and welfare of visitors on your property. For this reason, it’s wise to review your home insurance coverage before hosting guests for the summer. With adequate liability insurance coverage from Freeland Insurance, Oklahoma City, OK, you can protect yourself against any eventuality that may arise. Here are a few ways liability insurance can protect your interests.

Accidents

Liability insurance covers medical expenses for accidents your guests may have while on your property. Poor lighting, an uneven walkway or clutter on your stairs could cause a guest to trip and fall, making you liable for injuries that may result. Liability coverage protects you from having to pay medical bills out of pocket.

Food

When guests visit your home, you are responsible for health issues that may arise due to meals served on your property. Keeping menus simple and using fresh and healthy ingredients could help prevent health problems. You should also be aware of any food allergies your guests may have to avoid unnecessary trips to the hospital. Although you’re protected by liability coverage, you should do what you can to avoid a food-related liability claim.  

Alcohol

If you’re hosting a party, encourage guests to drink responsibly as you could be liable for their actions if they overdrink at your event. Serving alcohol to minors (those under 21 years of age) could result in legal action against you. If you’re not sure if your insurance covers liability for serving alcohol, talk to your Freeland Insurance agent. Your policy may have an alcohol exclusion you’re unaware of.

Home insurance protection from Freeland Insurance, Oklahoma City, OK, takes the worry out of hosting summer events so you can enjoy the company of family and friends to the full. 

Are You Required to Have Commercial Business Insurance?

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If you own a small business or are looking into opening one, you may be trying to learn more about commercial business insurance. One of the questions that FM Insurance, serving the greater Oklahoma City, OK area, is asked is whether you are required to have or carry commercial business insurance. Unfortunately, the answer to this is not a straight yes or no. You may be, or you may not be. Here is some more information about this.

There are a few individuals who are required to carry business insurance. If you use vehicles for your business, you are likely required to obtain commercial auto insurance. If you own the building in which you do business out of, and it is not used primarily as your place of residence, you are likely required to obtain commercial property or building insurance. If you have taken out a business loan to start or fund your business, the lender may require you to obtain a commercial business insurance policy to protect their investment or stake in your business. And in some cities and counties, there are laws that state you must have a minimum commercial business insurance policy to obtain a business license in that city or county. If any of these apply to you, you are required to obtain a policy. If any of them are not applicable to you, you may not legally be required to obtain a policy.

While having business insurance may or may not be required, it is always strongly recommended that you obtain a policy to protect the investment you have made in your business. To learn more about commercial business insurance or to obtain quotes today, contact FM Insurance, serving the greater Oklahoma City, OK area.

Do You Know What to Do If You Are on the Road During a Weather Emergency?

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People generally plan to be at home or in a safe location during extreme weather conditions. However, sometimes it is not possible for a variety of reasons. If you find yourself on the road during a weather emergency, we at FM Insurance want you to have the peace of mind of knowing the steps to take to increase your safety in any event.

Steps to Take if You are on Road in Weather Emergency

  • Remain calm. This is key, in many situations clear thinking can be the difference between life and death. It can be harder than it sounds but reminds you often to stay calm and think out your options.
  • Keep your car stocked with supplies such at drinking water, meal bars, a first aid kit, and even an extra cell phone for emergency calls.
  • There is no one answer as to whether you should pull over or drive out of the weather, you must make this choice at the time but remember to never drive through standing water and if you do choose to pull over do so slowly and turn on your flashers.
  • Follow instructions that any law or emergency personal gives. Even if your house is just a few miles away or whatever valid reasons you have for not listening, you may not have all the information.
  • If you see a tornado, it is recommended that you duck and cover inside your car after parking it in a low area such as a ditch. Do not leave your car and remember that an overpass is not a shelter to seek out.

Contact us at FM Insurance if you are in Oklahoma City, OK and the surrounding areas for great rates and fast quotes.

The Best auto insurance for teenage drivers

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Oklahoma City, OK is a city that requires most of the residents to have cars if they want to get around, which means that all of these drivers will need some form of auto insurance. Ideally, policies should be set up with a local broker like FM Insurance, who serve the Oklahoma City area. And some of the most important drivers to insure are the newest ones, the teenage drivers, who are more prone to having accidents than anyone else. Below are the best auto insurance policies for teenage drivers in a place like Oklahoma City, OK.

LIABILITY INSURANCE

Liability insurance covers other people who are involved in an accident or other people’s property when the accident has been deemed the fault of the teenaged driver. Which means that this type of policy is definitely needed since teenagers are usually at fault. While it’s only required to have a minimum amount of liability insurance coverage, the more you have will protect the teenager and you from having to go out of pocket to cover expenses or even having to pay for a possible future lawsuit.

COLLISION INSURANCE

Collision policies for a teenager will be a higher premium for sure, but will add an extra layer of insurance protection that you will be glad you have. It will fix damage to your own vehicles that may be the teenagers fault, as well as protect them from medical issues that may arise from an accident. If you can afford it for your teenager’s insurance policy, this is an excellent addition for the safety and security of them and their vehicle.

PERSONAL INJURY PROTECTION

You want to keep your teenager safe on the road, as well as others who may be injured in the event of an accident. So having personal injury protection on their policy is a good idea, to ensure all medical costs would be covered in the event of an accident.

What Home Insurance Companies Don’t Tell You

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Home insurance companies don’t always tell you everything you need to know. If this means that as you look for home insurance in Oklahoma City, OK, you need to do your due diligence. It will allow you to get the insurance policy that will give you peace of mind throughout the year.

Basic Policies Don’t Include Everything

Every home insurance policy will cover protection to the home, your belongings, and liability. However, a basic policy may not cover the full extent of your belongings, such as if you have expensive artwork or art collector of something. At FM Insurance, our insurance agents will take the time to learn more about you and your home in order to build a more customized policy so that it does include everything needed to provide financial protection.

Not All Claims are Accepted

When you file a claim with the insurance company, is not automatically accepted. Often, research will be done in order to determine whether everything happened the way you said it happen or it additionally, if you don’t have the coverage within your policy, you would be financially responsible for everything.

Deductibles Vary

Just as with every other type of insurance, you will have to pay a deductible before the insurance company pays anything. Deductibles can vary from policy to policy. This is why it’s important to know what yours is so that if you need to file a claim, you know how much you will have to pay out-of-pocket.

There are plenty of things you should ask when you are seeking home insurance in Oklahoma City, OK. The more you know, the easier it will be to develop a better home insurance policy. If insurance companies aren’t disclosing everything, it is within your right to ask questions and learn more about what is being offered to you. Contact FM Insurance today to learn more about home insurance policies.

 

 

Home Renovations and Insurance Coverage

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Planning for an Oklahoma City, OK home renovation comes with a number of permit applications, tasks, reminders, and resources to arrange to make sure everything falls into place per plan. However, one that many people tend to forget is the simple task of checking the coverage on their homeowner’s insurance before making any big renovations. And when something goes wrong, the lack of coverage becomes apparent after the fact.

Homeowner’s insurance in Oklahoma City, OK doesn’t automatically adjust just because a change is made to a home. It is not designed to be an automatic, umbrella-type insurance protection. Instead, homes are evaluated and insured based on their current condition. However, because many homes fall into similar categories of use and risk, the initial evaluation process often seems to come across as automatic to the homeowner.

Big changes that need to be checked ahead of time include the installation of a backyard pool, replacing the house roofing system, changing a room to be a business office with significant structural changes like a business entrance door, or building out a room by removing walls or putting in an expansion. The other big component player involves kitchen and bathroom system replacements as they frequently involve putting in gas and power appliances and changing the plumbing which can all be source of damage when not installed properly.

It’s also important to notify one’s policy provider because doing so can trigger big savings, according to FM Insurance. For instance, a new roof can produce a 10 to 20 percent reduction in insurance costs because the external protection has been upgraded with a new, long life barrier.

When notifying, it’s not enough to just call up and say a renovation is occurring. Photos and documentation are frequently necessary to update a policy correctly. To go over the process and know exactly what is needed for a home upgrade, contact FM Insurance for more information.

Reasons Why Employer Sponsored Life Insurance May Not Be Enough

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Life insurance has become a very popular benefit that many employers are offering their employees. While it is a nice benefit to have, it is a mistake to rely completely on the life insurance your employer is providing to you. Instead, it is very important to consider getting additional life insurance from another source. Continue reading to discover a few reasons why you may want to get more than what your employer offers as basic benefits.

  • If you leave the company, your life insurance is canceled. While having life insurance through your employer is a great benefit to have, if you ever leave the company, whether it is y choice or not, you lose the life insurance they purchased on your behalf. It does not come with you to your new position or after retirement.
  • You can only get the option the employer has chosen for you. By sticking with the plan your employer has for you (and we are not saying you should decline the insurance offered to you), you only get the option that they have chosen for you. You do not get to choose the life insurance plan that you want.
  • Your employer likely does not provide enough coverage. Many employers offer life insurance that is equal to one to two times the annual base salary. This may seem like a lot but it is recommended by experts that you have at least five to seven times your annual base salary.

If you are interested in getting more life insurance and exploring your options, be sure to contact FM Insurance serving Oklahoma City, OK. You can get a quote for additional life insurance that fits your budget as well as take a deeper look into the policy your employer has for you.

What Home Insurance Covers

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Homeowner’s insurance, like all other kinds of insurance including FM insurance, is part of a heavily regulated industry with many rules to follow and standards to uphold. Because of this, sometimes it is difficult to figure out exactly what is covered by your home insurance policy. Home insurance covers damage due to certain events, typically including fire, theft, burglary, and vandalism.

Additionally, this insurance covers both your home itself and the belongings inside it. In some rarer cases, specific outlying structures are also covered by the homeowner’s insurance policy. However, as this is the exception and not the rule, it is not necessary to discuss those insurance policies that protect outlying structures in greater detail.

So, what happens in the event of a covered disaster? In this case, the insurance company will take care of paying for the repairs of your home and the replacement of your belongings up to a certain amount. Your deductible is subtracted from this amount. If the disaster or event is uncovered, then the homeowner is fully responsible for the financial burden. In Oklahoma, most homeowners cannot afford to pay to repair their home and replace their belongings themselves. Therefore, FM  Insurance offers affordable policies and quotes for a wide variety of insurance companies in the state of Oklahoma.

With this in mind, you might be wondering whether or not you can afford a homeowner’s insurance policy to protect your home and belongings. FM Insurance has an excellent variety of homeowner’s insurance policies, differing in the level of coverage, cost, and the required deductibles. They have agents serving Oklahoma City OK that can assist you in finding the correct policy for your home.

Whether your home is cheaper and you want a less expensive policy or if your home is more expensive and you need a more substantial policy, they will help you find it. Their agents serving Oklahoma City are capable and eager to work with you so that your home and belongings are protected by an appropriate and affordable policy.