New Year Annual Insurance Review

As you kick off the new year, one resolution should be to ensure you have the proper insurance protection for the year ahead. Policyholders often treat insurance as something to simply check off and forget about. However, your policies are more valuable than that.

Your policies are protecting you through miles on the road, unpredictable tornado seasons and all of life’s ups and downs. They require updates regularly to adapt to the changes in your life. What better time for this than at the beginning of the year? An annual insurance review will help ensure your policies are up-to-date and provide the protection you need. It can also uncover discounts that you may be eligible for. 

Check out this list of common changes that could require an adjustment to any one of your insurance policies. Talk to your agent to schedule your annual insurance review today: 

  1. You may need to update your Auto policy if you’re driving significantly more or less than you were in previous years, if your vehicle is aging or if you have passed it down to a child.
  2. Consider updating your Home policy if you added high dollar personal property to your home inventory, if you installed a pool, if you completed home improvements or added on to your home size.  
  3. You may need to update your Life policy if you added or lost members of your family recently, if you experienced changes in your health, if you changed jobs or your family’s cost of living increased or decreased. 
  4. Consider updating your Farm & Ranch policy if you expanded operations or added new equipment, if you’re using certain machinery or vehicles more often than usual or if you’ve increased your livestock inventory.

If something has changed in your life over the past year that isn’t reflected in your current policies, talk to your OKFB agent today to schedule an annual insurance review. Life changes fast, this annual review will help make sure your insurance keeps up. 

Road Safety with Farm Equipment

Harvest season is here, which likely means an increase in farm equipment on the roads. Whether you’re driving a tractor or sharing the road with one, it’s important to know how to safely navigate with and around various farm equipment and vehicles. Follow these safety tips to help prevent accidents on the road this season. 

Safety for farmers and ranchers

  1. Make sure all your lights and flashers work properly before getting on the road. Doing so will allow you to use the necessary warning lights and slow-moving vehicle signs when driving your equipment. This is important because it helps other motorists see you down the road so they can slow down and use caution when approaching. 
  2. Be mindful of your equipment — ensure everything is strapped in and balanced, and know the height and width of your equipment to avoid disrupting low-hanging power lines and other hazards that may be near the road. 
  3. When possible, avoid well-traveled roads during high-traffic and don’t travel before dawn or after dusk. 
  4. Use your signals to communicate with other drivers, and always take precautions when traveling on gravel shoulders or narrow bridges. 
  5. Lastly, obey all the normal traffic laws. 

Safety for other drivers

  1. Be aware of slow-moving vehicles. Farm equipment must travel much slower than the average vehicle — between five and 15 miles per hour. 
  2. Watch for signals coming from operators of farm equipment. They may communicate with you about when it is safe to pass, so it’s important to pay attention to their signals. 
  3. Tractors and other farm vehicles need lots of room to operate. They take wider turns and might have to use both lanes to complete a proper turn. To help accommodate this equipment, make sure to give it plenty of room. 
  4. Don’t abruptly pull in front of farm equipment and then slow down suddenly. It’s much more difficult for the large, heavy equipment to slow down quickly. 
  5. Always pay close attention when sharing the road with farm equipment. Avoid any distractions and be attentive. 

Whatever you’re driving this season, OKFB can provide the right coverage for your vehicle. Check out our auto policy lineup to find customizable coverage that fits your lifestyle. And, while you’re at it, take a look at our farm and ranch line, too. 

If you’re not sure where to start, try out our new instant auto quote form. It’s a quick, easy process to get you on your way to the coverage you need. 

Farm Safety Tips

You know operating a farm or a ranch can be a risky occupation. And, when it comes to protecting your life’s work, your loved ones and yourself, you also know safety should be a top priority. One of the key ways to help keep those risks at bay is through preventative safety measures. We hope you will keep these farm and ranch safety tips in mind all year long.

Tractor Safety

Tractors are one of the most heavily used pieces of equipment on a farm or ranch, so it is important to know how to operate this machinery safely. When operating a tractor, remember to securely fasten your seat belt, limit one rider per seat, avoid ditches and steep embankments, and reduce speed when turning, crossing slopes and on questionable surfaces.

Travel Safety

At some point, you’ll likely have to drive a tractor or other farm machinery on public roadways to get the job done. When this time comes, make sure you are prepared to travel down the road safely. Display your slow moving vehicle sign on your machine, ensure reflective tape is showing, set your lights to flash as hazards and practice heightened awareness of the vehicles behind, beside or in front of you.

Clothing Safety

You should always wear the appropriate clothing and safety gear for each job. If using chemicals, consider proper gloves, respirators and protective clothing. If you are working with large farm equipment, consider hearing protection, eye protection and steel-toed shoes.

Keep Kids Safe

Take time to talk with your children about the dangers of farm equipment and share safety rules and procedures with them. You should also take proactive steps to limit any ways a child could get to this equipment, such as locking barns, putting up ladders, removing the keys, etc. Finally, make sure you always know where children are before taking out machinery.

How OKFB Can Help

Oklahoma Farm Bureau’s Safety Services Division offers free programs focused on teaching farm safety, fire safety and a number of other topics. Learn more about these programs, or request one for your community by visiting OKFB’s Safety Services Division.