All right, number I cast number one 76, uh, this is Tulsa and Oklahoma’s own. Ensure you Oklahoma. Today we are talking about a home insurance Tulsa for my pen. Anyway, why don’t we talk about home insurance, Tulsa? We mainly talk about making sure you have the best rates for the cupboards that you desire. Unfortunately, some people have to have the rate that they can pay and then after, except the coverage that they can afford because insurance coverage is just like anything else. You are just paying the insurance company a premium to assume some of the risks that we inherently have as human being. And this risk would be to your home, which anything can happen to an Evans be most people’s largest investments. So that’s all premium is. It is just an exchange for the acceptance of risk. If you want a little risk, uh, taken by your insurance company, it’s not gonna cost you as much.
If you want a lot of risks, it’s going to cost you more. So if you want a lot of risks covered by the insurance company, it’s gonna cost. So it’s not really that hard to figure out. We’re also going to start on these podcasts talking about, uh, other parts of the coverage. So say let’s talk about personal property and how your personal property is covered. Or should we be an independent strength agency? I have your home insurance, Tulsa. We can provide you with options on how much personal property you covered. It could be as little as 30% be as high as 70% of coverage, a coverage, Jay’s what we insure your home for. So, uh, but what’s important is that we have um, replace the cost covered under personal property. That is basically new for all. If you have a house fire and your five year old television is Savage, then instead of getting the value of it and 50 bucks, whatever it is, you’re going to get a brand new TV.
It’s replacement cost. Now they have said, you know, just a few things are damaged to subject to your deductible on your home insurance Tulsa and also policy and, uh, you’re going to get replacement costs coverage. Now do you need replacement cost coverage? Well, some of the companies that we work with, you don’t have an option. It’s automatically replacement costs because that’s what 99.9% of clients want. But what we’re able to do, we’re able to change up the amount of coverage some companies have. Your replacement cost is automatically 70% of 70% of coverage a well. And then if it’s 50%, you’re dealt with those companies that you don’t ever replace some costs, you have actual cash value. So if you’re, if something happens, your TV, instead of getting a new one, you’re going to get the $50 value and then you have to replace it yourself, which isn’t so bad.
You’ll get some value. Where we’re probably really doesn’t hurt you is if it’s in a total house fire and you’re going to get policy limits anyway because chances are you’re not going to replace all the personal property you have. Um, you know, my wife has three grooming irons. I don’t know if she would buy three new ones or five air blow dryers. Uh, you know, plus we have an attic full of stuff plus a bunch of stuff in storage. Do we need replacement costs and all of that? Are we saying replacement cost coverage on all of that stuff? Yeah, we are and we need to, well, you know, we could look at that now that is for companies that just force you into 70% of option covered Jay or 50% of coverage. Jay in replacement costs are not replacement cost. The good companies that we work with, because we’re an independent insurance agency, will give us from placement cost coverage on our personal property and we can determine how much coverage we have, whether it’s as low as 30 or as high as 70 most people don’t have that much personal property, let’s face it.
But on your home insurance, Tulsa, you have to make sure that it’s insured correctly. That’s why you need to sit down with your agent at least annually and go through the coverage because your agent will give good advice for you. That’s what you pay them for. They know their stuff. Uh, you know, unfortunately if we go and do a man on the street interview, most people know nothing about insurance and insurance coverage. So we want to make sure that we have the right coverage in place. And that means sitting down for an annual review with your agent and making sure what you have is what you want on your home insurance. Tulsa, the last thing you want is to figure out what you have and claim time. So if you wait until claim time to figure out what jam, I’m almost guaranteeing you’re not going to be happy with what you have.
So figure it out ahead of time. If you have any questions, always call or be proactive and call your independent insurance agent and say, what kind of coverage do I have? Let’s sit down for a review. What I need to know exactly what my home insurance, Tulsa policy covers. And when you do that, you’re going to leave and not have any questions. Maybe have too much coverage, maybe you don’t have enough. Maybe we can make the premium lower. Maybe it’d be a little higher to cover everything that you want. The point is to make sure you have the coverage that you know you have and not have a surprise at claim time. We don’t want nobody likes surprises when it comes their insurance coverage. So, and insure you Oklahoma. We have, we do reviews with our clients daily and all you need to do is call (918) 322-7100.
And we’ll set a time to meet and sit down and review your coverage. Or you can uh, give us a call at (405) 322-5501. We are available anytime for a review and we always enjoy meeting with our clients, uh, here in the office. And we have a nice new office here in South door at a hundred first and Memorial or just East of a hundred first and Memorial between Mingo and Memorial. Um, nice welcoming, clean office. And if you come by we always have coffee ready. And, uh, if you need be, we can make lunch appointment and you will have, we can uh, bring in lunch for all of us to enjoy. So give us a call or visit us on the email@example.com or in shear you, american.com and we are happy, happy, happy to sit down and review your coverages with you until we do meet.
You need to probably send in your insurance deck declarations tase. You can send that to your agent or uh, just email your agents. Say please review my coverages and come up with any recommendations that you have. And if you don’t have the time to come in and leave it that way, you know you’re going to have everything covered or you’ll get the advice on what you need without him and the way around for it. But we are here, we are insurance advisors around insurance sale people. We’re here to advise you and help you the best way that we can. And oftentimes that means, uh, via email, via phone coming into the office, sitting in our conference room, seeing who we are, putting a face with the name, shaking hands, kissing babies and making sure you have exactly what you need. Your home’s going to be your largest purchase you ever make.
Let’s make sure it’s the right coverage. And, um, uh, and with the right company benefit of his independent germs agency is we’re going to shop you with six different insurance companies to make sure you have exactly what you need. And if you don’t have what you need, we’re going to recommend what you should have. And you know, quite frankly, there’s some people that have too much insurance. If you want to hook up your checking account to an insurance company, they’ll take every penny you have and cover you for everything. Uh, if you want to be, if you want to get a check for farting sideways, just let us know and we will put a, uh, you know, hookup your account and you can pay us everything you want. But if that’s not an option, if you don’t want to do that, then you need to sit down with us and let’s make sure that your insurance covers premiums fit within your budget and your budget is, um, you know, you’re, you have coverage that you want and coverage that covers that you don’t need. So that’s it for this episode or this podcast of the insure you Oklahoma, all original content podcasts. Until next time, if you have, you’ll send us an email, text, or phone call. We will hit any topics that you’d like for your information. This is the incredible truth about insurance signing off.