Tips On Keeping Your Car Safe During A Storm

Tornados and strong thunderstorms are common in Oklahoma City, OK. The agents at Freeland Insurance are well aware of the dangers that come along with these storms and work diligently to help their clients protect their vehicles at all times. It’s important to know how to protect your vehicle if you find out a storm is heading your way.

Park Away From Trees Or Buildings

If you aren’t at home and don’t have access to a garage or carport, park away from trees, buildings, and other objects that could be blown over or thrown around by high winds. While you won’t have any protection from hail damage, being parked a safe distance away from large objects will prevent them from falling onto your vehicle.

Park In A Garage, Carport, or Other Covered Area If Possible

If you have access to a garage or carport, use it. If a carport is available, pull in as far as possible to prevent the wind from blowing things under it. In some cases, being able to park alongside a building that can act as a block against the wind may also be beneficial. If you are in a public lot, avoid blocking fire lanes and other areas designated for emergency vehicles.

Many of the residents in the Oklahoma City, OK area have experienced the devastating effects of severe weather. At Freeland Insurance, each agent always goes above and beyond to help their clients remain safe and secure during strong storms. Call the office and schedule an appointment if you have questions about how to protect your vehicle and yourself from severe weather and its devastating effects.

Who Should Be Your Primary Beneficiary?

One of the first things you do when purchasing life insurance is to determine who will be your beneficiary. At Freeland Insurance, the licensed and bonded agents can assist Oklahoma City, OK residents in choosing the right person to be the recipient of the proceeds from their life insurance. In most cases, a spouse or partner is often the most common choice, but there are times when choosing someone else may be necessary.

Spouse or Partner

For most life insurance policies, the insured normally chooses their spouse or life partner to be the beneficiary of the proceeds from a life insurance policy. If they are single, it can be a business associate or the executor of their will. A life insurance policy is purchased to help a wife or husband to remain financially stable for a period of time after the loved one passes away.

Caring for the Children

If the deceased has small children and the spouse is financially secure on their own, the beneficiary may be chosen to monitor the proceeds once they are placed in a trust. The trust fund can be used to pay for the children’s needs or can be set aside for their education. Beneficiaries are often chosen based on the fact that they knew the insured’s intent prior to their passing.

If you live in the Oklahoma City, OK area and are interested in purchasing a life insurance policy, the agents at Freeland Insurance can help you choose a beneficiary that will take care of the proceeds of the policy when the time comes. Call and schedule an appointment today so that you can decide who will take care of your family and keep their best interest at heart.

Insurance for Service-Based Businesses

Service-based businesses are one of the largest sectors of our modern economy. Cleaning services, landscapers, medical professionals, and other workers who don’t produce or sell real goods in the Oklahoma City, OK area have unique insurance needs. The experts at Freeland Insurance suggest that all service-based businesses carry these policies to protect their business interests.

  • General liability coverage helps you pay for costs associated with injury, accident, or loss caused by your business. This includes legal fees for the defense of your business and employees, medical payments for the injured party, and court-ordered fees and restitution. If you rent your commercial property, general liability protection will pay your landlord if you damage or destroy the property.
  • Professional liability insurance protects direct service providers from the legal costs of defending themselves against libel, slander, and even copyright infringement. Claims of false advertisement are also covered under these policies. Medical professionals like doctors, nurses, and psychologists depend on malpractice coverage, a type of liability insurance, to ensure they stay financially solvent in the face of legal claims.
  • Commercial auto insurance is more than a legal requirement. The right auto insurance policy ensures that your service or delivery vehicle is always available. Your employees are covered by your policy. If they are involved in an accident while completing their job duties, your commercial auto insurance policy guarantees that you’ll have the funds to repair or replace your service vehicle quickly.
  • Umbrella insurance policies are secondary coverages. All insurance policies have limits. In the case of a catastrophic loss, your primary coverage may not be enough to replace your lost property or allow you to rebuild. An umbrella policy provides additional funds on top of what your primary policy pays. These low-premium plans are a great way to ensure you’re ready for whatever is thrown your way.
  • Do you have the right protection for your service-based business? Contact Freeland Insurance in the Oklahoma City, OK area for a personalized review of your business needs.

Three Ways Umbrella Insurance Can Save the Day

Lawsuits happen everywhere. It’s true in Oklahoma City, OK, and it’s true in the rest of the country. Most people have basic coverage, but many don’t understand the opportunity that stems from an umbrella policy. At Freeland Insurance, we’ve seen it all. These are the three biggest ways umbrella insurance can protect you.

Legal Guidance

Perhaps the most valuable aspect of umbrella insurance is that it prevents you from facing lawsuits alone. When you have an umbrella plan, it is in the insurance company’s best interest to make sure you have top shelf representation. That helps you in finding a good lawyer, and it ensures that you have a good legal plan from the start. Too many people have lost horribly because they represented themselves. Umbrella insurance prevents that mistake.


Umbrella insurance isn’t just about protecting your assets. Many policies include clauses for libel, slander and false arrest. If someone levels accusations against you that threaten your future, you can call in the big guns. Your insurance company is better equipped to handle these difficult cases than most individuals. In many cases, winning a defamation case doesn’t just protect your reputation. You may also win a countersuit for damages.

Dollar Bills

Ultimately, this is the primary motivation for having umbrella insurance. It makes sure you aren’t bankrupted if you are liable for damages. The vast majority of times, these cases arise from an honest accident, and none of us are above having a mishap. Umbrella insurance covers the costs of your accident to keep it from ruining your life.

Life in Oklahoma City, OK, can be full of adventure. Umbrella insurance is one of the key defenses to prevent that adventure from mutating into catastrophe. Talk to your Freeland Insurance Agent to make sure you have good coverage.

Why do lenders require flood insurance in addition to home insurance?

Mortgage lenders may require flood insurance as part of the lending requirements, especially if the home is located in an area that is considered having a high risk for floods. These areas are designated as a “Special Flood Hazard Area” by the Federal Emergency Management Agency (FEMA).

Homeowner’s insurance does not usually cover flood damage. Flood insurance is a special type of coverage that is a separate policy. If the mortgage is federally insured or regulated, such as an FHA loan, and the home is in a high-risk area for floods, then having flood insurance is mandatory.

Even if a lender does not require flood insurance, it may still be a good idea to have it because weather patterns are changing and the risk of flooding may be there even if the home is not in a designated Special Flood Hazard Area. EcoWatch reported in 2017 that there is increasing flood risk due to the changing weather patterns that are causing routine flooding in areas that were not previously susceptible to flooding.

If you are looking to buy a home, check with an insurance agent at Freeland Insurance in Oklahoma City, OK and they can help determine if the home is in a flood zone. Sometimes real estate agents do not mention the need for flood insurance until the home someone wants to purchase is already in escrow. FEMA has maps available for the public that show where the flood zones are located. If the home is near a flood zone but not within the boundaries, it still may be a good idea to have flood insurance. Just a few inches of water that enters a home can do serious damage and create the need for costly repairs.

Contact an insurance agent at Freeland Insurance in Oklahoma City, OK for any flood insurance or other insurance needs.

3 Tips for Getting More Out of Your Health Insurance

Your health insurance policy isn’t just a long-winded contract full of terms and contingencies you don’t understand, it’s a blueprint to how you can take care of yourself no matter how old you are or what specific options you may face. Here are a few tips from Freeland Insurance if you live in Oklahoma City, OK and you’re hoping to get more out of your insurance.

Ask Questions

This is a standard piece of advice for all of your insurance policies, but one that often isn’t practiced because most people simply don’t have a good deal of interest in their policy. But biting the bullet and asking the tough questions is a good way to get a better handle on how insurance works in all situations. It can also make you as aware of the services that aren’t covered as opposed to the ones that are.

Apply Common Sense

It’s impossible for insurance companies to predict every possible event that may occur to a person, which is why policyholders may want to think before they make certain decisions. While it’s true that you should never assume anything specific, you can also apply relatively basic logic when it comes to whether or not a certain service will be covered. In other words, if you have major medical insurance only, your policy isn’t likely to cover dermatology visits for cosmetic purposes only.

Call Freeland Insurance

Our insurance agency is built on helping the people of Oklahoma City, OK get the most out of their policies — no matter what their priorities or budget happens to be. For more information about our services or to receive a health insurance quote, give us a call today. We can help you get a handle on health insurance!

Does Commercial Insurance Cover Employees?

Commercial insurance is something that every business can benefit from and it can help protect plenty of things when it comes to your business. There are a ton of things that your commercial policy covers that you may not be aware of and one of them is your employees. For those in the Oklahoma City, OK area, the agents with Freeland Insurance can help you to find the right policy for your individual needs. Commercial policies can do wonders for employers if they have the right one in place.

For starters, your commercial policy is going to cover your employees for a range of things. It helps cover them if they are injured on your property first and foremost which is one of the most important things. Instead of you having to pay the full medical bills of an employee that is injured on your property, you can use your policy to help pay their medical bills so that you do not have to worry about how to help pay if they are injured.

For those that have a policy in place, you can specify how much is going to be paid if an employee is injured and how the employee can go about collecting. For the most part, your commercial policy is going to protect your employees from bodily harm while on your premises.  Though this might not seem like a terribly common occurrence, you will be surprised to find that more people are injured in the workplace than you might imagine. For those that live in the Oklahoma City, OK are, the agents with Freeland Insurance can help you find the policy that is going to protect not only you but also your employees while they are on your property.

Does a Daycare Need Commercial Insurance?

One of the most rewarding careers is one that involves working with children. Whether it be operating your own daycare center or teaching at a local high school, working with children is a great way to help raise the next generation that will be running our country. As a daycare owner, though, there are many things that you need to take into consideration. Take for example insurance. Does your daycare center have all of the proper insurance coverage that it needs? For now, let’s take a quick look at daycare centers and the various types of insurance they need. 

You will find it very beneficial to invest in commercial insurance for your daycare center. With this type of insurance, you will receive a variety of benefits, including those related to general liability and professional liability coverage. With general liability coverage, this will help provide coverage for claims that relate to property damage. For example, if a child is injured on your business property and has to go to the hospital, you will have to pay for the involved expenses. With the right insurance policy, though, you can have peace of mind in knowing that you won’t have to dip into your own pocket to pay for the medical expenses or the damages that are sustained by your property. 

The best way to determine what type of insurance coverage your daycare center needs is by speaking with a qualified insurance specialist. To learn more about commercial insurance for daycare centers, please don’t hesitate to contact Freeland Insurance today serving the Oklahoma City, OK area. A professional insurance agent can help you assess which types of insurance will be the most beneficial for your daycare center. 

Does Your Commercial Insurance Policy Provide Adequate Coverage for Company Vehicles?

Many business owners make the mistake of thinking that their company vehicles are covered by their property and loss insurance which is often not the case. If you are a small business owner and would like to ensure that all of your business assets are properly covered, Freeland Insurance is here to help.

We are a full-service insurance agency that is proud to serve the greater Oklahoma City, OK area. Our agents are fully trained in multiple lines of coverage and can work with you to determine that your business has the comprehensive coverage that it requires.

Comprehensive Commercial Vehicle Insurance

Coverage for injury or damage, caused by your company or someone else, is crucial to protecting you in the event of an accident. Bodily Injury and Property Damage Liability coverage (BI/PD) covers you in the event of an accident and will protect you from major financial loss, no matter who’s fault the accident may be. Medical Payment coverage will help to defray any medical costs that are incurred due to the accident.

Coverage for uninsured motorists is another level of protection that is available. Our agents can work with you to determine which of the different lines are appropriate in your situation, and also calculate the appropriate coverage level. Vehicle insurance is an important part of protecting your company and all of your hard work.

Please give us a call today at (405) 692-6106 to schedule an appointment to ensure that your company vehicles are adequately covered, no one wants to learn about gaps in their insurance policies after a loss or damage event has occurred! Freeland Insurance is proud to serve the greater Oklahoma City, OK area and looks forward to working with you! Call us today.

Umbrella insurance for business and home

Umbrella insurance plans can be a great fallback when you have a lot of risk to cover, and you want to catch it all with a single safety net. If you’re considering calling Freeland Insurance to get your home and business covered under the same umbrella policy in Oklahoma City, OK, here’s what you’ll want to do, first:

Consider Whether Your Business Needs Umbrella Coverage

You should take a moment to consider your business risks. Even if your business is just you and a smartphone, you might have some major risks to consider. If you have clients or customers visiting your place of business, then you have liability to think about. If you drive a company car, then commercial liability might be required. On the other hand, there’s not much reason to buy additional coverage if your business hasn’t grown past a laptop in the corner of your living room yet.

Weigh The Costs

Generally, umbrella insurance won’t be that big of an expense added on top of your monthly insurance payments. You won’t know for sure until you ask for rates, but umbrella coverage is typically cheaper than buying extra coverage for each item individually. Before buying umbrella insurance, it’s a good idea to get quotes for additional coverage on each item individually and weigh that against umbrella.

Freeland Insurance can help to connect you with the coverage you need. A lot can happen in Oklahoma City, OK, and umbrella coverage is just one of the ways in which you can protect yourself against calamity at home and at work. Compare the costs, consider what your business risks are, and determine whether you need umbrella insurance to cover home and business.