How to Keep Your Home Safe During the Holidays

There’s a reason they say “there’s no place like home for the holidays.” Over the coming months, many people will come together with friends and family to celebrate the season together. Whether you’re traveling to Grandma’s house or opening your own doors, homes are a big part of the holiday season. Check out some of our top holiday safety tips to ensure your home is ready for the holidays!

If You’re Traveling

  • Take Steps to Deter Thieves: Many thieves are looking for crimes of opportunity, so taking a couple easy steps can go a long way in preventing theft. Setting your lights on timers can make it appear that people are still home. And before you leave, double check that you’ve locked all doors and windows to make it harder to get inside.
  • Avoid Showcasing Travel: While we all want to talk about the holidays, sharing travel plans on social media can make your home a target. Wait to post until you’re back home or only share with close friends and family instead of the public. You can also put a hold on your mail service to prevent a pileup while you’re gone: a big signal that no one is home.
  • Protect Your Pipes: This time of year, cold weather can sneak up on you. Before you leave the house, make sure your thermostat is set to prevent it from getting too cold while you’re gone. Typically, 55 degrees or higher is recommended during winter weather. You can also insulate or wrap vulnerable pipes in the attic, basement, garage or outside water spigots. Taking preventative measures could save you a lot of trouble if an unexpected cold front hits while you’re traveling.

If You’re Hosting

  • Minimize Fire Risks: Many people use candles during the holidays, whether it’s a part of your traditions or to create a cozy feeling in the house. However, this also means there are more candle fires this time of year than any other time! Make sure that any candles used are out of the reach of kids and pets, and placed on a steady surface away from any potentially flammable decorations.
  • Clear the Pathways: Your holiday celebrations may involve multiple generations. For both our oldest and youngest family members, it’s important to make sure that homes are clear of fall hazards. Before guests arrive, make sure walkways have been shoveled of leaves, debris or ice and snow. Take a look to identify areas of the house that might be hazardous. This means picking up rugs that might impede walkers, tying up the cords on blinds, and putting covers over outlets.
  • Cook Safely: With all the hustle and bustle of guests, it can be easy to get distracted while preparing food but it can take seconds for your big holiday meal to turn into a big mess. From grease fires to hot spills, there are a lot of potential hazards in the kitchen during the holidays. It’s important to never leave cooking unattended and to turn off the stovetop if you’re stepping away. While you’re in the kitchen, turn pot handles away from the stove edge, keep fabric items like oven mitts away from the stove. Once you’re done cooking, make sure to fully turn off the stove and oven before you enjoy your holiday feast! You can read more holiday safety tips here before hosting.

We’re Here to Help

As the holidays approach, keep these holiday safety tips with you for a fun and safe season!

Whether you’re a long-time policyholder or just starting to look for insurance options, we have team members who can help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

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Three Things We’re Thankful For This Year

Thanksgiving is just around the corner: time for us to gather with friends, family and loved ones and reflect on the good things in our lives. While the last few years have dealt more than their fair share of twists, turns and unexpected challenges, we still have a lot to be thankful for. At OKFB Insurance, thankfulness is a constant state of being. We are thankful to have the privilege of serving Oklahomans, our neighbors, when they need it most. Here are just a couple of things we’re reflecting on as we enter the holiday season.

The Strength of Community

With OKFB Insurance agents in all 77 counties of Oklahoma, we get the unique opportunity to get to know a whole lot of Oklahomans. From farmers and ranchers to local business owners to individuals working to build a good life for their families, the people we get to meet and help along the way show just how lucky we are to be Oklahomans. Despite the ups and downs and challenges of life, we constantly see neighbors helping neighbors and communities stepping up to the plate to help us all grow together.

The Resilience of Oklahomans

A fact of life working in the insurance field is that we’re often called in when life’s dealt someone a bad hand. Sometimes we’re stepping in to help local businesses recover after a fire, damage or theft. Other times, we’re there to help families stay afloat after losing a loved one. Our team is also there for the day-to-day issues that can hold up your life, like when you find yourself out of gas or with a flat tire and in need of Roadside Rescue. Time and time again, no matter the issue, we are there for our policyholders and get to witness people pulling themselves up by their bootstraps and confronting life’s challenges.

The Tireless Work of Agents

We are also thankful for the service our agents and adjusters provide in tandem to take care of our policyholders. Recently, one of our dedicated OKFB Insurance adjusters came forward to share a story about agent Brian Kelly going above the call of duty for his insureds. We wanted to share adjuster Todd DeSmet’s account below.

At 4 a.m. on Oct. 19th, Brian received a call from an insured whose home was on fire. The insured was not only surprised that his agent answered his early morning call, but also sprang into action. Brian made sure the insured was safely outside of the house and then made preparations to go to the policyholder’s home to check on them.

“I want to commend agent Brian Kelly for making an already great company better,” said adjuster Todd DeSmet. “Not only did he physically meet our insured in their time of need, but he brought changes of clothing for the policyholder and his wife.”

Todd emphasizes that we have a lot of unsung heroes at OKFB Insurance and he was just proud to witness one in action. “When you have an opportunity to give someone an atta boy, you take it,” said Todd. “It encourages others around them to keep doing what they’re doing and go the extra mile. That’s definitely what Brian did.” Our agents’ tireless drive to serve Oklahoma’s businesses and families is clear and we’re so thankful to have team members with this kind of commitment.

We’re Here to Help

Whether you’re a long-time policyholder or just starting to look for insurance options, we have team members who can help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you’re an existing policyholder who knows of an OKFB Insurance agent or employee that you feel is deserving of recognition for going the extra mile, we’d love to hear about it! Click here to share your story.

Don’t forget to follow us on social media! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.

Setting Up Your Small Business For Success

With Small Business Saturday and the holidays rapidly approaching, many business owners are gearing up for a busy season ahead. Running a company takes dedication and preparation, no matter your experience. One thing to set your business up for success is to make sure you have the right coverage.

Why is Commercial Insurance Important?

Every dollar counts when it comes to small businesses. For example, you can take every precaution possible, but when the unexpected strikes, it’s important that you have the right coverage. If you haven’t secured coverage, an unforeseen event can cause significant financial damage. The bills can add up fast without the right level of coverage for your business. The right policy could help save you money when accidents happen. Taking steps now means peace of mind for you and a helping hand from OKFB when life’s unexpected moments happen.

What Options are Available?

With commercial insurance, there are many policies that can help build out the best level of protection for you. Some common policies are ones that protect the business property and equipment you’ve invested in. Commercial property insurance and commercial auto policies are here so you can rest easy knowing these assets are protected in the event of an accident. 

There are also broader options to protect your business from things like expensive liability lawsuits. A commercial general liability policy can help mitigate the financial impact of a liability claim if there is injury or property damage to a third party in the course of your business. For some companies, commercial umbrella plans are a good option to provide an even higher level of financial protection and excess liability coverage. 

Plus, there are plans specifically designed for small businesses! A businessowners policy is tailored to the needs of small businesses like retail, restaurants, apartments, artisan contractors and more. For example, these policies combine different coverage types, fill in the gaps of traditional coverage, and can be custom-fit to your needs. No matter your business size or age, there’s a policy to protect what you’ve worked to build. 

We’re Here to Help

You’re the expert at your business, but you don’t have to be an expert at insurance to get the right level of protection for your company. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

Don’t forget to follow us on social media! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.

Celebrating National Farmer’s Day

Did you know that October 12 is National Farmer’s Day? Every year, National Farmer’s Day reminds us to stop and honor the hardworking farmers who keep this country running. Here in Oklahoma, agriculture is not just part of our past: farmers and their families play a huge role in our daily lives, from producing the food we eat to keeping Oklahomans employed. These are just a few of the reasons why we’re thanking Oklahoma farmers on National Farmer’s Day!

Farmers Build Community

First, farmers and ranchers are a core part of our communities in Oklahoma. According to the United States Department of Agriculture, more than 97% of farms are family-owned or family-operated. Our agents have gotten to know a lot of Oklahoma’s farmers over the years, from helping set up new policies to being there when life throws you unexpected challenges, for example. We’re your neighbors, so whether it’s a 3 a.m. phone call after severe weather strikes or keeping the cattle ranch afloat after a family illness, our agents are by farmers’ side through it all. 

Farmers Help Our Economy

Oklahoma has a rich history of farmers and ranchers that continues on today! Did you know 78% of Oklahoma’s land is used for farming and ranching? It goes to show just how much agriculture is the backbone of Oklahoma’s economy! These businesses not only account for tens of millions of dollars in agricultural production, but also represent more than 400 agritourism venues and over 321,000 jobs for Oklahomans. The tireless work of farmers and ranchers does not go unnoticed. Our agents are always here to help you protect the investments you’ve made in your business, with policies specifically tailored to cover farmers’ and ranchers’ commercial ventures and assets. 

We’re Here for Farmers

Happy National Farmer’s Day! At OKFB Insurance, our agents understand farmers’ and ranchers’ needs. We know the land, the job and the equipment, and will work with you to protect your hard work. Additionally, if you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your farm and ranch, home, auto, commercial and life insurance needs.

Also, don’t forget to follow us on social media! This kind of information and more is just a click away. You can find us on Facebook, Instagram and LinkedIn.