Quiz: How Well Do You Know Your Insurance Policy? January 4, 2022 Are you familiar with your Oklahoma Farm Bureau Insurance policy? “Yeah, I practically have it memorized!” “…well, kinda.” Answer the following questions to test your OKFB insurance policy knowledge. The prize for a perfect score? Major bragging rights. (Scroll down to see the answers!) However, if your score isn’t what you expected and you have some questions, don’t worry! Your OKFB agent will be happy to answer any questions you have – no matter how big or how small. We’re here for you. What is “umbrella coverage”? a. Coverage that only goes into effect during inclement weather b. Coverage that provides higher limits of protection c. Coverage that protects your umbrella against damage and/or theft Which of the following is NOT considered a ‘dwelling?’ a. A home b. A mobile home c. Any shop that sells food or drink items If you want to contact your local agent, what do you do? a. Visit the Find An Agent page on the OKFB website b. Holler real loud c. Call the operator What is a CD? a. One of those tiny records kids are listening to these days b. Celine Dion’s initials, of course c. A certificate of deposit – a low-risk money management tool that provides you with a fixed interest rate Can a jet ski be placed on a boat insurance policy? a. Yes b. No c. Yes, but only if it’s really cool I’m building a home. Can I insure a home that’s under construction at any time throughout the construction process? a. Yes, as long it doesn’t have more than 5 bedrooms b. No, the policy must be put into effect before construction of the home begins above ground level c. Maybe, but your contractor will decide How many Oklahoma counties have OKFB Insurance offices? a. 5 b. All 77 c. 56 What animals can be insured on the 4H/FFA policy? a. All animals, besides dolphins b. Any animal that walks on 4 legs is eligible c. Show animals belonging to club members of the insured 4H or FFA club Does General Liability cover me if my employees are injured? a. No, you will need a Workers Compensation policy to cover your employees b. Yes. c. Only if you’re at fault Are my farm employees allowed to drive my insured farm automobiles? a. Only if they drive under 10 miles per hour b. Yes, if their driving record is acceptable c. Yes, but off-road vehicles are excluded ANSWERS What is “umbrella coverage” anyway? Answer: B. Umbrella coverage provides higher limits of protection against bodily injury or property damage claims by a third party. Which of the following is NOT considered a ‘dwelling?’ Answer: C. A dwelling is a house, apartment or other place where you live. If you want to contact your local agent, what do you do? Answer: A. Visit the Find An Agent page on the OKFB website. What is a CD? Answer: C. A certificate of deposit – a low-risk money management tool that provides you with a fixed interest rate. When you deposit your money into the account, however, you agree not to make any withdrawals for a certain period of time. You get your money in addition to whatever was earned in interest back at the end of that time. Can I place a jet ski on a boat insurance policy? Answer: A. Yes. Boat Insurance options and features include: Liability Medical payments Physical damage Ask your OKFB agent about insuring your jet skis on a Boat Insurance policy. I’m building a custom home. Can I insure my home at any time throughout the construction process? Answer: B. No, the policy must be put into effect before construction of the building begins above ground level. If you’re a builder, then check out available coverage options for builders. How many Oklahoma counties have OKFB offices? Answer: B. You can find OKFB agents in all 77 Oklahoma counties. Use the Find An Agent tool to locate an agent in your area. What animals can be insured on the 4H/FFA policy? Answer: C. You may insure show animals belonging to club members of the insured 4H or FFA club. Raising a lamb, pig or other farm animal for 4-H or FFA club exhibitions or contests requires not only skill, but hard work and lots of dedication. Therefore, consider insuring your animals with 4-H and FFA insurance from a company that understands the effort you put into your show animals. Does General Liability cover me if there are injuries to my employees? Answer: A. You will need a Workers Compensation policy to cover your employees. However, if you don’t know what kind, or how much coverage you need, contact your OKFB agent. We’re happy to help! Are my farm employees allowed to drive my insured farm automobiles? Answer: B. Yes, farm employees may drive your insured farm automobiles however, their driving record must acceptable. You can easily provide their driver’s license information to your OKFB agent to add them as approved drivers.
These Are a Few of Our Favorite (2021) Things January 4, 2022 We know that 2021 was an uncertain time for many Oklahomans, but there’s one thing you can always be sure of – Oklahoma Farm Bureau Insurance is here for you. Despite the hard times, we have a lot to be thankful for and we want to take a moment to express our gratitude and reflect on our top 3 favorite moments from last year. #1: Sam Barrick raised $25,000 for the Ronald McDonald House Last year, OKFB agent Sam Barrick led an effort in Love County to raise money for the Ronald McDonald House. He raised an incredible $25,000, which helped provide a comfortable space in the Ronald McDonald House for families that have a child hospitalized in OKC. Sam Barrick is living proof that Oklahomans have big hearts. Thanks, Sam, for all you do! #2: Oklahoma Farm Bureau Insurance’s 75th Anniversary In 2021, we celebrated our 75th Anniversary! We’re honored that so many of you have trusted us to take care of your homes, your farms, your businesses and your families over the last 75 years. Together, we’ve been through a lot and every day we’re inspired by your resilience, strength and character. Thank you for welcoming us into your communities and homes. We look forward to serving Oklahomans for many years to come. #3: A New Feature Just for You Anything we can do to make your lives easier – no matter how small – is a big win for us. That’s why in 2021, we rolled out a new feature that allows you to opt-in to receive email notifications for: Changes made to a policy Renewal notices Billing statements We’re happy to make these processes seamless and more convenient. If you haven’t signed up for email notifications yet, contact your Oklahoma Farm Bureau Insurance agent today to make the change! Thank you for your business, support and friendship. Because of you, we know great things are in store in 2022.
3 Things to Do if Your Car Breaks Down December 1, 2021 Imagine your car breaks down. On the highway. At 1 a.m. In the middle of winter. It sounds like a scene straight out of a horror movie, but experiencing a breakdown could happen to most of us at some point in our lives. We’ve all heard the saying, “hope for the best, plan for the worst.” While you can’t always prevent a breakdown, you can be prepared for one. Here are three tips to help you prepare for a breakdown: 1. Know How to Stay Safe If you’re driving back to the hotel after an evening dinner, and there’s an issue with the car, there are a few things you could do to stay safe. If you’re able, pull to the side of the road and turn on your hazard lights to stay visible. Also, put on the parking brake and turn the wheel away from the road to avoid rolling into traffic. If you’re in fast-moving traffic, it could be better to stay in the vehicle until help arrives. 2. Have a Kit For Break Down Stay prepared and stay safe by keeping these items in the trunk at all times, no matter the weather: Mobile phone charging device First-aid kit Road atlas Flashlight High-visibility vest Warning triangle Carjack Tow rope Spare tire Water bottles Granola bars 3. Contact OKFB’s Roadside Rescue Team If you’re an OKFB Insurance policyholder or OKFB member, remember to keep your Roadside Rescue card with you and have this number saved in your phone: 833-957-OKFB (6532). If your vehicle breaks down, the OKFB Roadside Rescue service is available 24 hours a day, 365 days a year. Enjoy the variety of services, including towing, flat tire assistance, battery jump start service, unlock service and more. Your safety is our top priority and if you’re in need of help, we will be there every step of the way.
Can A Ticket Impact My Auto Insurance? July 13, 2021 Life happens fast and at times it can be easy to speed through. It could be easy to speed to work when running late or accidentally parking in the wrong spot. However, getting a ticket on either of these encounters could impact your Auto Insurance rate. Check out these facts on how a ticket could lead to an increased Auto Insurance premium. Ticket Violations Can Impact Your Driving Record Did you know a speeding ticket in Oklahoma could stay on your driving record for up to 3-5 years? The Oklahoma Department of Transportation utilizes a point system to track traffic violations and other penalties. If left unaddressed, this could lead to higher Auto Insurance rates and even the suspension of a license. Tip: Reach out to your appropriate Oklahoma traffic court to learn more about how to handle or appeal your ticket. Amount of Traffic Tickets Issued Speeding tickets are not the only violation that can live on your driving record. For instance, there are actions that can have a lingering impact on an Auto Insurance premium. Actions such as texting and driving, running a red light, out-of-state tickets and DUIs. Also, the amount of tickets and the types of ticket offenses are both used to determine a rate increase or change to your premium. Tip: Practice safe driving habits to prevent a rate increase and future traffic violations. This could involve putting the phone down while driving, paying close attention to state laws, and not eating while in traffic. By practicing safe driving and paying attention on and off the road, you can avoid a rate increase and additional tickets. Also, ensure your vehicle is covered under your Auto Insurance policy and contact your local OKFB agent for additional questions or inquiries.
