Top Tips for Road Trips

LeA road trip is a great way to get out of the house and spend some quality time with family or friends. Oklahoma has some hidden wonders that could provide fun and exciting experiences. Whether the road trip is for a week or the weekend, planning beforehand is helpful to ensure the trip goes as smoothly as possible. Consider these four tips to help you prepare for what the Oklahoma roads have to offer. 

Don’t Forget About Car Maintenance!

Schedule your car to be inspected before heading out. A good inspection can help prevent unexpected brake or engine problems, or other vehicle issues that may arise. As an OKFB member you also have access to free Roadside Rescue, a 24/7 roadside assistance service that allows you to travel with confidence. 

Keep Yourself in Check

Driving for hours on end can be exhausting. Take note of how you’re feeling and see if you need to pull over for a break. Additionally, if you have a co-pilot in the car, have a plan in place for who is driving. Take note of how long, and when you should stop and rest.

Get Techy with Helpful Apps for the Road

There are a few apps that can help make the road trip go smoother. Apps can help with a number of things. For instance, navigation from Google Maps and Waze, which feature user-reported road hazards, speed traps and more, along with turn-by-turn navigation. Additionally, Tollsmart is an app that allows you to preview the price of upcoming tolls that you may pass during the road trip. All these are available on Android and iOS devices. 

Prep Your Home

Leaving for an extended period of time? Make sure there is someone available to house sit. Leaving a home unattended for a long time can make your home a target for theft. Having a family member or neighbor check in on your home and get your mail is beneficial. This way you can leave your home with peace of mind while on your trip. See other home preparation tips here. 

A road trip can be a great activity to enjoy this spring or summer. To ensure you’re covered, contact your local OKFB agent and see if your Auto Insurance or Recreation Insurance covers your specific vehicle to have a safe, fun and confident trip. 

How to Prepare for a Tornado

With Oklahoma falling right in tornado alley, it’s critical to know how to prepare for a tornado. Tornadoes can occur suddenly and they can be destructive, so knowing how to prepare and what to do can help you and your loved ones stay safe. As tornado season begins, consider these ways to prepare for a tornado.

Set and Inform Your Plan

To ensure you and your family are safe, you can create a “what to do if a tornado hits” plan. This plan could include where to take shelter, who is responsible for gathering food and supplies, where to locate the radio and batteries and more. If you’re unsure about the security of your home, you may consider adding a storm shelter. Having your household on the same page can help ensure you react in a timely manner.

Carl looking at the damage done to his farm because of a tornado

Create a Checklist and Store Necessities 

Creating a checklist and storing some basic items can help you stay on track and not forget any critical items. Be sure to include: 

  • Batteries
  • Weather radio
  • Cell phone charger
  • Flashlight
  • Food
  • A fun game or coloring pages to keep the little ones or even yourself entertained

Know the Warning Signs

Luckily, we have the technology and the National Weather Service to warn us if a tornado is coming or developing. However, it is always good to know the warning signs if there is a chance of a tornado. 

  • Hail or heavy rain followed by fast and intense winds or followed by eerie quiet and calm 
  • Loud rumbling that could sound like thunder, but is continuous. Some describe it as sounding like a freight train
  • If the sky begins to look dark and green
  • A cloud of debris, even if it doesn’t resemble a funnel
  • A funnel-shaped cloud

“I stepped outside before the tornado actually got there, and I could hear it coming but couldn’t tell how far away it was. Well, of course it went right through, real fast. After it settled down, I peeped outside the window and walked outside, and saw the cars were crushed,” said Billy Gibson, one of our policyholders. Watch how OKFB helped Billy after a tornado hit his home.

Learn the Weather Terms

Two notable terms to know are tornado watch and tornado warning. A tornado watch signifies that the current weather is capable of producing a tornado. While a tornado warning signifies that one has been sighted or seen on a radar. When a tornado warning is issued you are highly advised to seek shelter. Understanding this difference can help you know what to do. 

As you create plans and checklists, remember to check-in with your OKFB agent to ensure your home and vehicles are protected under your Home Insurance and Auto Insurance policies. You focus on staying safe and prepared, and we’ll worry about protecting your assets. 

Top Insurance Questions Answered by Insurance Agents – Part 2

Insurance helps to ensure that your assets are covered from a range of incidents. To help you feel confident when shopping for insurance we have answered five common insurance questions our agents commonly receive.

1. Are home-based businesses covered under a homeowners policy?

A homeowners policy protects homes from unexpected incidents and damage. However, it can be difficult to know what exactly a homeowner’s policy will cover for a home-based business. For example, unlike a homeowners policy, a small business insurance policy would cover the inventory stored in a home, a vehicle that is used for business, etc.

2. Does my homeowners policy cover damage if my tree falls on my neighbors’ property because of a tornado or ice storm?

Typically, if a tree or part of it from your property falls on your neighbors’ property and causes damage because of a tornado or ice storm, you will not be held liable. Your neighbors would file a claim with their insurance company. Our claims reporting hotline is available 24/7 and is ready to help whenever you need.

3. When should I get Life Insurance?

Did you know obtaining Life Insurance while you’re young and healthy is usually the most optimal time to obtain it? This is the period of time where an individual will most likely benefit from lower rates. Use our life insurance calculator to determine how much Life Insurance coverage may be needed. Obtaining Life Insurance as soon as you are able is beneficial in the long-run. It can provide peace of mind when thinking about loved ones.

4. Does Auto Insurance cover a hit-and-run accident?

In most cases an Auto Insurance policy will cover vehicle damage, possible medical bills, etc. in the case that a car accident occurs and the individual at fault intentionally leaves without providing contact information.

5. What do I need to do to file an insurance claim? 

Don’t delay taking action after an event that damages your property if you suspect it may make you eligible to file a claim. Start by contacting your agent, or using your carrier’s online claims tool – we have several claims options to choose from. Make sure to have your contact information, policy number and detailed information of the incident ready when you file. 

If you have additional insurance questions, check out our FAQs. Also, you can always contact your local OKFB agent with any inquiries or questions about your policy or specific coverage needs.

OKFB Discounts All In One Place

Does OKFB offer discounts? What types of discounts does OKFB offer? Do I qualify for any discounts with OKFB? This is the blog you’ve been looking for! We have compiled the array of discounts we offer across our lines of Auto Insurance, Home Insurance, Recreation Insurance, Farm & Ranch Insurance, Commercial Insurance and more. Contact your agent to see which discounts you are eligible for!

Auto Insurance Discounts

We offer five discounts under our auto policy. You may be eligible for a discount if you have more than one policy with us, multiple vehicles and more! Keep reading to see where you may qualify. 

  • Scholastic Discount
  • Defensive Driving Discount 
  • Driver Longevity Credit 
  • Multi-Vehicle Discount
  • Companion Discount 

Home Insurance Discounts

Is your home less than 10 years old? Do you have an alarm system installed? If so, these are just a few ways you could qualify for a Home Insurance discount. Keep reading to see if you qualify for other Home Insurance discounts.   

  • New Home Discount
  • Burglary or Fire Alarm Discount 
  • Claims-Free Discounts
  • Companion Auto Discount
  • Approved Roof Discount
  • Tie Down Credit

Farm & Ranch Insurance Discounts

We offer discounts for our Farm & Ranch Insurance, as well as for those that may have a Farm Auto, Farm Fire or Farm Renters policy. Keep reading to learn more!

Farm & Ranch 

  • New Home Discount
  • Burglary or Fire Alarm Discount 
  • Companion Auto Discount
  • Approved Roof Discount

Farm Auto 

  • Defensive Driving Discount
  • Scholastic Discount
  • Companion Home Discount
  • Multi-Vehicle Discount
  • Companion Umbrella Discount
  • Approved Grill Guard

Commercial Insurance Discounts

We offer discounts to help out small businesses! If you are a Dwelling Fire – Tenant Occupied policyholder then check this out. You may be eligible for these discounts. 

Dwelling Fire – Tenant Occupied

  • Approved Roof Discount

Discount Eligibility

  • Approved Grill Guard: Trucks with a qualifying grill guard may qualify for a discount on collision coverage.
  • Approved Roof Discount: If you have a U.L rate class 3 or 4 roof surfacing installed, you may be eligible for a discount. Check here for a list of approved roof surfacing.
  • Burglary or Fire Alarm Discount: If you have an alarm system or fire alarm in your home, you may be eligible for a discount based on the type of alarm you have installed. 
  • Claims-Free Discounts: If you have had no insurance claims on your OKFB Homeowners insurance policy for the last three years, you may be eligible.
  • Companion Auto Discount: If you also have an auto policy with OKFB, you may be eligible. 
  • Companion Discount: If you also have other policies through OKFB, such as a Homeowners or Farm & Ranch, you may be eligible for companion discounts. 
  • Companion Home Discount: Policyholder has an active owner occupied property policy with the company. 
  • Companion Umbrella Discount: Policyholder has an active or farm umbrella policy with the company. 
  • Defensive Driving Discount: May be eligible for those who complete a minimum six hour accident prevention course approved by the Oklahoma Department of Public Safety. Approved courses are often offered through your county Farm Bureau. 
  • Driver Longevity Credit: Drivers who have been insured with OKFB for at least one year may receive premium credit based on a combination of their longevity with OKFB and driving record. 
  • Multi-Vehicle Discount: A multi-vehicle discount may apply when two or more vehicles are insured with OKFB.
  • New Home Discount: If your home is 10 years old or less, you may be eligible for a discount.
  • Scholastic Discount: This discount applies to specific auto coverages for classroom academic excellence to eligible full-time students who meet specified requirements.
  • Tie Down Credit: If your mobile home uses approved tie downs to better secure your home, you may be eligible for this discount. 

If you have any questions or want to learn more about eligibility and discounts contact your OKFB agent. Remember, we’re your partners in life and are here to help during any situation!