Floor insurance is crucial if you live in a state with a high flooding risk, as you might lose a lot of valuable items in case of flooding. We can help you navigate what flood insurance to get.
Freeland Insurance in Oklahoma City, OK offers flood insurance quotes for health insurance servicing the state of Oklahoma. We work with multiple providers so that you can choose the appropriate insurance quote for you.
Water in Oklahoma
Because Oklahoma has a lot of water sources, such as rivers, you might be at a higher risk of flooding. We can walk you through where you live and determine whether your risk of flooding is higher, as this determines your flood insurance quote and what type of coverage you need.
If you live in a flood zone, there is a high chance that your usual home insurance for home flooding does not cover flooding. Therefore, you should look into flood insurance right away to avoid damage and loss of your property and items.
If you do not live in a flood zone, your normal home insurance might cover you already. We can still help you check this and provide you with a floor insurance quote if it turns out you need one.
Flooding can be a risk wherever you live. If you live near a body of water, you should always check whether you require flood insurance.
If you want to take a look at flood insurance quotes, contact Freeland Insurance in Oklahoma City, OK today by requesting a quote from us via our website. Our agents will help you look through the quotes and help you decide what insurance to go with.
There are several benefits to Health Insurance, the most important being peace of mind that you have insurance to help you pay for medical expenses you may incur. An informed decision when it comes to health insurance is vital. Freeland Insurance serving Oklahoma City, OK is here to help answer any questions you may have.
Qualified health care plans meet the Affordable Care Act requirements and provide the following essential health benefits subject to agreed-upon network coverage, co-payments, deductibles, and out-of-pocket expenses including:
- Emergency services – in an emergency, it is often difficult to think clearly, and you may need to rush or be transported to your closest hospital for treatment.
- Hospitalization – admission to the hospital for ill health or non-elective surgery.
- Mental health services – this may include counseling and psychotherapy.
- Prescription medications – medicines for chronic and acute illnesses and poor health.
- Rehabilitation services – these may include certain types of therapy to assist in regaining physical and mental abilities.
- Laboratory Services – may include things like blood tests.
- Preventative and wellness services – subcategorized into preventative health measures for women, men, and children.
- Maternity and baby care – services while you are pregnant, including care for your newborn after birth.
- Pediatric services – these include certain services for your children if they are covered by your health insurance plan.
- Outpatient services – certain health care services that do not require hospitalization.
The list of benefits is extensive. However, the insurance plan still needs to be tailored to you and your family, depending on your budget and requirements. To successfully navigate and set up a health insurance plan for your benefit, speak to the folks at Freeland Insurance serving Oklahoma City, OK, and purchase peace of mind.
Are you looking to buy life insurance in or near Oklahoma City, OK, and aren’t sure to whom your policy will pay? Talk to us at Freeland Insurance to learn more about this situation and how we can help you choose a policy that works for you.
Deaths Covered By Life Insurance
Almost all deaths are covered by life insurance, depending on your policy. For example, homicide is covered unless the person getting the money from the policy is the murderer. And suicide has a two-year clause, meaning that people who buy an insurance policy cannot collect if they commit suicide before this time passes. Such clauses are essential for protecting the rights of the insurance company.
Beyond these rare exceptions, your policy should cover natural causes – heart attacks, stroke, cancer, sudden death, etc. – and accidental deaths – drowning, car accidents, fire deaths, etc. And when you create a policy, you list many people for whom your policy will payout. Therefore, it is essential to understand who makes an excellent executor get the best results for your needs in this situation.
Policies Pay to Whom You Want
The benefactor of your policy will vary, based on whom you want to get money. It will typically cover only the death of the person holding the procedure and no one else in your family, though. But when you die, the person you name as the executor will distribute the money to the proper people. These may include your spouse, children, friends, family members, or anyone else you want to name.
Get a Great Policy Today
So if you want a level of protection that will keep your family safe, please contact us at Freeland Insurance today. We provide Oklahoma City, OK, residents with fine life insurance policies to protect their families.
As a business owner, you no doubt wear many hats in an effort to operate your business and care for customers and employees. Having the right insurance in place can make all of these tasks less stressful. At Freeland Insurance serving Oklahoma City, OK, we strive to provide you with the best insurance information. Keep reading to learn more about commercial insurance.
What Is Commercial Insurance?
Commercial insurance is a unique type of bundled insurance product which were specifically designed with the business owner in mind. These insurance products help you to provide protection and security for your employees and your customers. These products also help to protect the investment of time and money you have made into your business.
What Does Commercial Insurance Cover?
Every business is different, and that is why commercial insurance can be customized to suit your particular needs. However, there are certain elements of business that are commonly covered under this type of policy. A commercial insurance policy will generally provide the following types of coverage.
- Auto insurance- If your business operates vehicles as part of your day-to-day operations, a commercial policy can provide the auto insurance necessary to keep your vehicles and drivers safe and legal.
- Property damage- If you operate a brick and mortar business, property damage coverage is essential in the event that your property is damaged through fire, natural disaster, or burglary. The insurance policy can help to replace or repair damaged property or lost equipment or assets.
- Liability coverage- If an employee or a customer is injured at your place of business or because of your goods or services, liability coverage will pay for expenses resulting from the incident.
If you would like to learn more about our services, please contact us at Freeland Insurance, serving Oklahoma City, OK.
Any realtor will tell you that location is the single most critical factor to consider when buying a new home in Oklahoma City, OK. You might find a beautiful house that has all the features and amenities you’re looking for but located in an undesirable neighborhood. Before getting attached to the dwelling, consider your location-related needs, such as nearness to schools and medical care services. You also don’t want to juggle your life in an unsafe location. At Freeland Insurance, we also check the location of your home to determine your rates.
The appreciation and depreciation value heavily depends on the location of the home. Some places undergo extreme development in terms of infrastructure, facilities, and connectivity that makes the land around valuable. If you are buying a home to sell in the future, you may want to check how location impacts Return on investment (ROI), so it’s easier to sell at a profit.
Safety is a top priority and a common reason to assess the location before striking any deals. No one wants to live in an area they feel unsafe or unprotected. You can check various reports about crime in the area you’re interested in online. Remember, your insurance premiums will likely go up if your home is located in a high crime rate area.
A beautiful neighborhood should be supplied with well-maintained roads and easy access to public transport. That way, you don’t have to worry about catching a bus to work when your car has a mechanical problem. The house should not be far from the city’s landmarks such as parks, highways, and business centers.
Whether you have children or not, proximity to restaurants, parks, grocery stores, and schools is a must. Properties near useful facilities are considered safer, convenient, and full of life than properties where you have to travel miles in Oklahoma City, OK, to find a shopping center.
Don’t forget to buy adequate insurance to protect your new investment. For more information, feel free to contact Freeland insurance today.
Having umbrella insurance in Oklahoma City, OK, has become a very common practice. As a leading insurance company in the region, Freeland Insurance notes that most people are interested in this policy. The only problem is that most of them do not know what umbrella insurance is and whether it covers property damages.
What is Umbrella Insurance?
If you’re held liable for certain damages, chances are your liabilities will exceed what you have already covered. This is a huge nightmare that might lead you to lose much of your savings.
To prevent you from going through this experience, umbrella insurance comes in hand to help you cover such extra liabilities. Therefore, it is a liability policy that that only covers what is in excess of what you have already insured.
Does Umbrella Insurance Cover Property Damages?
As highlighted above, umbrella insurance is a liability policy. Therefore, this insurance policy will only come in handy where you have been held liable for damaging someone’s property.
Therefore, umbrella insurance is used in covering property damages. If your homeowners’ insurance is falling short of your liabilities, it is essential to pull out your umbrella insurance to cover the shortfall.
Is Umbrella Insurance Regularly Needed?
It will always be very hard for your liabilities to exceed what you have already covered. This means that you should not get worried about your liabilities. However, bad things happen, and you’ll be on the receiving end of huge property damage. Buying umbrella insurance will help you to cover extra costs.
Is Umbrella Insurance Worth It?
As a resident in Oklahoma City, OK, having umbrella insurance is worth it. You never know whether your different types of insurance policies will fall short when needed. Contact Freeland Insurance and speak with our professionals to get more details about umbrella insurance and why you need it.
The financial services industry is a very important one as it helps to ensure people all over the country are able to reach their financial goals. For those that are in the financial services industry, there is a lot of opportunity for success due to the demand for these services. Those that are in this industry in the Oklahoma City, OK area should get proper insurance. There are several reasons why someone should get a financial services insurance plan here.
Professional Liability Coverage
An important reason to get a financial services insurance plan is so you can receive professional liability coverage. Those that are in this industry could face a liability claim if they are determined to be at fault due to negligence or other issues and it results in a loss for a customer. If you have a financial services insurance policy, it will give the coverage needed to offset this risk.
Coverage for Business Assets
You will also want to have a financial services insurance plan to cover your business assets. A financial services firm will own a variety of assets that are needed to provide good service to their customers. This can include office furniture, electronics, and other items that require a major investment. A full insurance plan will give the protection needed to repair or replace these assets if there is an incident of theft or something else that results in a loss.
If you are in the financial services industry in the Oklahoma City, OK area, having financial services insurance is very important. When you are looking for this insurance here, it would be helpful to speak with Freeland Insurance. The insurance professionals at Freeland Insurance understand the importance that comes with this type of coverage. They can offer you the guidance that you need to choose a new plan that meets your needs.
If you are wondering how to get umbrella insurance in Oklahoma City, OK, it might help to go to an insurance company for answers to your questions, such as Freeland Insurance.
If you are wondering if you are in need of umbrella insurance in Oklahoma, you should look into what it can do for you. It is a great way to ensure extra protection for your assets. If the liability limits on your auto insurance, home insurance, and other insurance policies are exhausted, this is when umbrella insurance policies can take over and give you the additional protection that you need. Many people may not want to get umbrella insurance because of the extra expense, but if you end up needing it, the benefits will definitely be well worth the cost.
There are certain things that could happen that could require more than your liability limits on your other insurance policies. For example, if there is an accident on a rental property of yours or your dog bites someone’s child, your current liability limits may not be enough to cover your expenses. In this case, an umbrella insurance policy would be extremely useful, and you would end up being grateful that you had one even if you had to spend some extra money to have it. An umbrella insurance policy can give you a second layer of protection of up to about $1,000,000, although higher limits could be available as well.
If you are a resident of Oklahoma City, OK and you are interested in learning more about umbrella insurance in your area, you should feel free to contact the professionals at Freeland Insurance. They will be able to answer any questions that you might have and perhaps point you in the right direction when it comes to choosing a policy for yourself.
4 Common Myths About Flood Insurance
Floods are the most common and most expensive natural disasters in Oklahoma City, OK. They can destroy properties worth billions in minutes. The good news?
You can always buy flood insurance that helps protect your home, commercial property, and personal belongings, but before then, you need to be adequately informed about flood insurance. At Freeland Insurance, we will help you distinguish between myths and facts about flood insurance.
#myth 1: Homeowners insurance covers floods
Many people buy home insurance and assume that all water damage is covered in the policy. Flood water damage is not covered by home insurance but under flood insurance. However, the water damage that is not directly caused by floods, like leaking pipes or broken taps, home insurance can help cover the damage or loss.
#myth 2: You don’t need flood insurance if you live in a low-risk flood area
You should never underestimate flood damage in Oklahoma City, OK. Freeland Insurance experts advise everyone to have flood insurance even if their area is marked as a low-risk area. The Federal Emergency management agency FEMA reported that 20 percent of flood insurance claims come from properties in low or moderate-risk areas.
#myth 3: It’s best to buy flood insurance during the rainy season
Some people wait until water levels start to increase and rush to buy flood insurance. If you wait, you stand to lose as flood insurance matures after 30 days from the date of purchase.
# myth 4: Flood maps don’t change
Flood maps change due to many reasons, such as community growth and expansion. New buildings, changes in drainages, and weather conditions. It’s always a good idea to check the map every few years to determine how your area is marked.
Please don’t wait till they strike your home to buy flood insurance. Let Freeland Insurance help you find a policy that puts your interests first. Feel free to call us or drop by for a little chat about your policy.
There are a lot of common misunderstandings out there about health insurance. We are a provider of health insurance in Oklahoma City, OK at Freeland Insurance.
The following are three common misunderstandings about health insurance to be aware of.
Health insurance is not necessary for those who are in good health.
It’s important for everyone to be covered under a health insurance policy. You may be in good health today, but you never know when your luck can change and you can suffer from a serious medical condition in the future.
With health insurance, you know you will be able to get the health care you need if you become sick in the future.
Health insurance will require me to pay a lot out-of-pocket.
There are a lot of different health insurance plans out there with varying terms. You can find plans that require very little to be paid out-of-pocket if you need treatment. However, as a general rule the less you pay out-of-pocket, the more your monthly premiums are.
All health insurance plans are more or less the same.
Nowadays, there are all different kinds of health insurance plan out there to choose from. That’s why it’s more important than ever to really do your research. Health insurance plans these days tend to be closely tailored to the unique needs of individual consumers.
When you’re on the market for health insurance, explore available plans and understand the differences between them before you make a decision.
Would you like to learn more about health insurance in Oklahoma City, OK? You can get in touch with us at Freeland Insurance to learn more about health insurance and to explore your insurance options.