Secure Your Packages & Home

An uptick in online shopping can also mean an uptick in package theft. To help keep your packages and home safe, here are a few helpful tips. Consider these tips while you’re online ordering this summer to be sure your packages and home are safe. 

Ways to Reduce Your Risk of Package Theft

  • Consider having packages delivered to your place of employment, rather than your home. By doing this, you won’t have to worry about a package sitting unattended on a front porch all day. 
  • See if it’s okay to have your package delivered to a relative or friend if you know they will be home during delivery. Be in touch with whomever is going to receive it, so you can give them a heads up and coordinate getting it promptly from them. 
  • Check in to having your items held at a local post office for pickup. By doing this, you can get the package whenever you have time and it will be waiting in a secure location. 
  • Some stores offer a “ship to store” option. This is a good option for getting the package delivered close to home at a nearby store – for easy pickup when you have time.
  • You may be able to stipulate that your package requires signature confirmation for delivery or ask the carrier to leave your items in an area out of view. 

What Smart Home Devices Can Help Secure Your Home? 

  • Secure package dropbox. You can purchase and install a heavy-duty, secure dropbox to go on your front porch. Then you can leave delivery instructions for your carrier to deposit the package in the dropbox – the carrier can use it, but thieves have a hard time penetrating the dropbox. These boxes have been invented in recent years due to the uptick in packages being stolen from porches.
  • Smart doorbells. These advanced doorbells normally feature cameras and can detect motion outside a front door. If connected to WiFi and a smartphone, the doorbell camera can show you at any time and from anywhere what is happening live on your front porch.
  • Smart door locks. There are many options for smart door locks, including some that unlock with a fingerprint scan, a mobile app, a keypad, or even a voice command. Smart door locks provide advanced options and can free you from a traditional house key. Some will even let you provide unique visitor codes to guests or delivery drivers.
  • Smoke and carbon monoxide detectors. These devices can help keep your home safe from fire and fumes. Some new versions of smart detectors can include advanced features that send alerts/alarms to your smartphone or that go as far as contacting local firefighters if there is an issue while you’re not at home.

These tips and smart devices can help improve the safety of your packages being delivered and your home as a whole. Having the right amount of home insurance coverage can also help ensure your home and valuable assets stay protected. Contact an agent today to see how much coverage you may need.

Safeguard Against Fire Risks

October is National Fire Prevention Month, and with 350,000 residential fires occurring each year nationwide, it’s important to know how to protect the structure that’s most important to you. Your home serves as a place of refuge for you and your family, and protecting it from a fire can be simple when you take the necessary preventative steps. Check out this list of tips to help keep your family and home safe from fire damage: 

Do’s and Don’ts of smoke alarms

A smoke alarm is your first line of defense, and we want to reward you for having one. With our fire alarm discount, you may be eligible for a policy discount based on the type of alarm you have installed. Contact an OKFB agent to learn more and see if you qualify.  

It’s important to not only have the proper amount of smoke alarms installed, but also to make sure you test them regularly. The National Fire Protection Association recommends installing smoke alarms inside each bedroom, outside each sleeping area and on every level of the home. Don’t install smoke alarms near windows, doors or ducts where drafts may have an effect on them operating properly. Never paint, decorate or put stickers on the alarms, as this could interfere with them working. 

Test your smoke alarms at least once a month by using the test button. Make sure you follow care instructions that come with the alarm, including cleaning best practices and how often you should replace the battery. The general recommendation is to replace the battery once a year and replace the smoke alarm every 10 years. 

Keep a fire extinguisher nearby 

Install a fire extinguisher on every level of the home and learn how to use it. If the time comes when you need to extinguish a fire around the house, you’ll be able to act quickly. 

Check appliances and cords

Take the time to regularly check your appliances’ cords to ensure they are not old, worn or damaged. Frayed or damaged cords around the house can spark, easily leading to a fire. Try to avoid running cords through high-traffic areas in your home where they may more quickly get worn out or damaged. Also, make sure you’re not overloading outlets or extension cords. Have an electrician install more outlets if you feel you don’t have enough. 

Make safety plans for the family 

One of the simplest ways to help prevent a house fire is by making sure everyone in the home understands the safety precautions. Talk to your children about fire safety and set rules for the household to keep best practices in place. Keep lighters and matches out of reach of children, teach them the importance of blowing out candles when leaving a room and how to identify the sound of smoke alarms. Lastly, create a fire escape plan so everyone is prepared and knows where to go if a fire occurs.

OKFB understands the importance of your home and the role it plays for your family. Protect your dwelling with Home Insurance. Talk to an agent today!

Home Insurance checklist for moving

Moving into a new home can be an exciting but busy time. As you pack up your life and prepare to sell your home in the midst of your normal schedule, thoughts about Home Insurance may not cross your mind. But, it’s important to know how to handle your policy during this time of transition. Check out our short checklist for navigating Home Insurance during a move:

1. Contact your agent

The first step is to contact your current insurance agent. They will be best equipped to help you understand how your insurance may be impacted by the new property. Your agent can also determine whether you’ll be able to transfer and adjust your existing policy or if you’ll need to start a new policy for the new home and cancel your current policy for the old home. 

2. Provide your agent with a timeline 

After consulting with your agent, it’s important to keep him/her in the loop about your anticipated timeline for the move. You’ll want to share not only the dates for moving out and moving in, but also the dates for when new home ownership begins and old home ownership ends. If these dates overlap and you own two homes at once for a period of time, you’ll need to make sure both are properly insured. Your insurance agent can discuss the logistics that will ensure there are no gaps in coverage during your move.

3. Transfer or cancel/start your policy 

Depending on where you move, you may have several options for getting started with coverage for your new home. You may be able to transfer your policy and make updates, start a new policy with the same company/agent, or you may have to look to a new company if you fall outside of the coverage area for your current insurer. At any rate, communication between you and your agent is critical. Your agent can set up an easy transfer or have a start or stop date scheduled for your policy. 

Taking these steps can lead to peace of mind that you are properly covered during the entire moving process. Contact your OKFB agent to learn more.

Benefits of Bundling Home and Auto Insurance

Managing and paying for multiple insurance policies can seem overwhelming, but that’s where bundling can come into play and provide big benefits. Insurance bundling is the process of joining multiple insurance policies under one member policy. It can often lead to a bundling discount – sometimes referred to as a companion discount – convenience and peace of mind for having all of your policies in one place! Read on to learn more about these benefits: 

You may be eligible for a bundling discount

When you purchase auto and home insurance from the same carrier, you may be eligible to receive a bundling discount. You could save on the bundled product premiums in comparison to paying more for two separate policy premiums with two carriers. OKFB Insurance offers a companion discount, but discounts offered will vary depending on the carrier. To see if you’re eligible for our bundling discount, contact an OKFB Insurance agent.

Bundling can provide enhanced convenience

A bundled policy can mean less paperwork to do initially and to keep up with – saving you time and energy. Additionally, all payments, claims and policy changes can be streamlined through one, dedicated agent. This means if something goes wrong, you’ll know exactly who to call to get help quickly. 

Your agent can help you look at the big picture

By working with you on a bundled policy, your insurance agent will get to know you and your insurance needs better while also developing a personal relationship. Your agent will help you identify gaps in coverage, savings and recommend additional policies. They will also be able to help you choose limits that will help cover all of your assets.

Learn more about the home and auto insurance policies we offer. When you’re ready to take advantage of these benefits, contact your agent to see what you may qualify for.