Do You Need Car Rental Insurance?

Do I need to buy the rental company’s insurance when renting a car? This is the million-dollar question for many renters. Renting a car can be a convenient solution when on vacation. However, one common dilemma that often arises at the rental counter is whether to purchase the insurance offered by the rental company. The answer depends on several factors, including your existing insurance coverage, the type of rental car, and your comfort level with assuming potential risks. Let’s delve into the factors to consider: 

Covering car damage

If you already have full comprehensive and collision coverage on your personal auto insurance policy, it may extend to rental cars as well. In many cases, your own insurance will cover damages to the rental vehicle, similar to how it would cover damages to your own car. However, it’s crucial to review your policy details before assuming anything.

Covering personal liability

Oklahoma auto insurance laws state drivers must carry liability coverage that meets or exceeds 25/50/25 policy limits. Fortunately, this coverage usually extends to rental cars as well, providing protection against bodily injury and property damage claims. 

Check with your agent

When in doubt, seek guidance from your insurance agent. They can provide clarity on your existing coverage, advise you on additional insurance options, and help you make an informed decision based on your individual needs and circumstances. If you’re not sure what your policy covers, your OKFB agent can help! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to 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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Boat Owner’s Guide to Safety

As much fun as hitting the water can be, owning a boat is not all fun and games. Whether you’re a seasoned sailor or just starting out, prioritizing safety should always be at the forefront of your boating adventures. Keep reading for safety tips every boat owner should know! 

Wear life jackets

There’s a reason they’re called life jackets! Before setting sail, ensure that every person on board has access to a properly fitted life jacket. These jackets should be appropriate for each individual’s size and weight, and they should be worn at all times, especially for children and non-swimmers. Remember: adult life jackets will not work for children. There are several options for life jackets, so be sure to check the label for the size and weight limits. 

Know Oklahoma’s boating laws

Every waterway has its own set of regulations and laws governing boating activities. It’s crucial to familiarize yourself with Oklahoma’s boating laws–or wherever you’re boating–before embarking on any journey. Understanding speed limits, navigation rules, and safety requirements can prevent complications while on the water.

Look at the forecast ahead of time

Checking the weather forecast before heading out is a fundamental aspect of boating safety. Sudden storms or adverse weather conditions can turn a pleasant excursion into a dangerous situation. Stay informed about any impending storms to make decisions about when it’s safe to get on the water.

Drink plenty of water 

Spending time on the water, especially under the hot sun, can quickly lead to dehydration. To ensure everyone’s well-being, make sure to bring an ample supply of clean water on board. Dehydration can impair judgment and coordination, increasing the risk of accidents, so staying hydrated is important. 

Make sure you’re covered

Boating accidents can happen unexpectedly, despite taking all necessary precautions. Having the right boat insurance ensures that you’re financially protected in case of damages, injuries, or liabilities arising from accidents on the water. Before setting sail, review your insurance policy to ensure it provides comprehensive coverage for your vessel and passengers. Talk to your local OKFB agent to learn more about your coverage options! 

Prioritizing safety is non-negotiable when it comes to enjoying your time on the water. By following these essential boat safety tips you can ensure a safe and enjoyable boating experience for yourself and your passengers! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to 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 homeautocommercial and life insurance needs.

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6 Tips for Keeping Children Safe on the Farm

Living on a farm or ranch can be an enriching experience for children. From exploring wide-open spaces to learning about livestock and crops, there’s so much for them to discover. However, it’s crucial to prioritize safety in these environments where hazards may be more common than in a typical backyard. Here are some essential tips to ensure child safety on your farm or ranch:

1. Set rules and boundaries

Establish clear guidelines for children to follow while on the farm. These boundaries may look different depending on their age, as older kids are a bit more aware and responsible than younger kiddos. These rules could include staying within designated areas, not wandering off alone, and asking permission before engaging in any activities. No matter their age, make sure your kids know what they are and are not allowed to do.

2. Keep dangerous items out of reach

Chemicals, sharp tools, and heavy equipment pose significant risks to children. Remember to store these items securely in locked cabinets or sheds to ensure they’re well out of the reach of curious little hands.

3. Establish safe play areas

Designate specific areas of the farm as safe zones for children to play. These areas should be away from machinery and livestock, with soft ground cover to cushion falls. Look for an open space for room to play that’s still in eyesight from where you’re supervising them! 

4. Remove keys from machinery

Prevent accidental starts by removing keys from tractors, ATVs, and other machinery when not in use. Be sure to store keys in a secure location. It’s also important to be on the lookout for kids wanting to climb heavier machinery, like on tractors. This can create fall hazards, so it’s important to be close by just in case.

5. Teach animal safety

Of course, don’t leave children unsupervised near livestock. Educate children about the proper way to interact with farm animals. Livestock and other animals can be unpredictable. Emphasize the importance of approaching animals calmly, avoiding sudden movements, and never teasing or provoking them. It’s important to teach them to always respect the space of animals, especially those with babies.

6. Supervise at all times

Perhaps the most important tip of all is to have supervision when children are on the farm or ranch. Even with safety measures in place, accidents can still happen. Be vigilant and attentive to ensure the well-being of your children at all times.

By following these farm safety tips, parents can help create a safe and enjoyable environment for children on the farm or ranch. With proper precautions and supervision, children can experience the wonders of farm life while staying out of harm’s way.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to 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 homeautocommercial and life insurance needs.

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4 Roof Factors Affecting Your Home Premiums

Your roof can be a crucial factor in determining your home insurance premiums. From the materials used to even its shape, your roof can impact the cost of insuring your home. Let’s delve into how your roof affects your home insurance premiums and look at the signs that it may need to be replaced!

Material

The type of material used for your roof plays a significant role in its longevity and durability, which in turn affects insurance rates. Here are some common roofing materials and their impact on insurance:

  • Asphalt Shingles: Affordable but with a lifespan of around 20 years.
  • Slate Shingles: Highly durable but expensive and prone to breakage.
  • Metal Roofing: Offers excellent protection against the elements and can last for decades.
  • Solar Tiles: Environmentally friendly and long-lasting, though with a high initial cost.

Shape

The shape of your roof can also influence insurance premiums. Gable roofs and hip roofs are common types of roof shapes. Gable roof shapes can be vulnerable to high winds and may cost more to insure, whereas hip roofs are designed to be more durable against strong winds, which may lower your premium. 

Condition

Obviously, the condition of your roof is important. We prefer roofs in good condition with no visible signs of wear and tear. A well-maintained roof is less likely to incur damage and, therefore, less risky to insure.

Age

The age of your roof is a crucial factor for insurers. Roofs older than 20 years may require inspection before coverage is offered, and some insurers may refuse to provide coverage altogether for roofs of this age.

Signs Your Roof Might Need a Replacement

Even with the best materials and maintenance, roofs deteriorate over time. Here are some signs that it may be time for a replacement:

  • Age: If your roof is more than 20 years old, it’s likely nearing the end of its lifespan.
  • Missing Shingles: Losing shingles is a clear indication of wear and tear and can lead to leaks and further damage.
  • Leaks: Water stains or visible leaks inside your home indicate roof damage that needs immediate attention.
  • Sagging: A sagging roofline suggests structural issues that require prompt repair or replacement.

By understanding the factors that impact your home insurance premiums and recognizing the signs that your roof may need replacement, you can ensure the safety of your home and potentially save on insurance costs in the long run. Remember: regular maintenance and timely replacements are key to keeping your roof in top condition! 

Do you have the right home coverage? Get an instant quote or contact your local agent to ensure your home and roof have the right coverage! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to 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 homeautocommercial and life insurance needs.

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