I’m a small business owner with no employees. Do I need commercial insurance?

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Small business owners have assets, expenses, and investments to protect, just like large business owners. As a result, it’s a good idea to protect your assets, investments, and your business as a whole. Commercial insurance provides coverage to suit the unique needs of your business, regardless of its size. Our Dobbs & Braddock Inc. team is committed to helping Atlus, OK, business owners understand the benefits of commercial insurance and get the coverage they need.  

What is commercial insurance?

Commercial insurance is coverage for business owners. It’s business insurance. Like personal insurance, it can be customized to suit the unique needs of your business. For example, commercial insurance can include auto insurance if you drive your car for your business. If you have an online business, commercial insurance can also include protection for your online business as well. Commercial insurance covers losses, liability, lawsuits, natural disasters, and many unexpected events. Business owners make monthly payments to secure coverage, as with any form of insurance. 

I’m a small business owner with no employees. Do I need commercial insurance?

If you have assets you want to protect and can’t handle an unexpected event, loss, or natural disaster out of pocket, commercial insurance is beneficial. Commercial insurance has many bundled areas of coverage that fit under the commercial insurance title. Business owners benefit from coverage for company vehicles, products, services, lawsuits, losses, and more. A commercial insurance policy is designed to fit your business’s unique needs and preferences. Regardless of the size of your business, commercial insurance can provide protection and benefits for many unforeseen circumstances and situations. If you have questions regarding commercial insurance, we’d happily answer them. Call us. We’re standing by.

Does Auto Insurance Cover Roadside Assistance?

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Auto insurance can provide a range of coverage, depending on the type of insurance you’ve purchased. If you’re interested in finding a type of auto insurance that includes roadside assistance, your insurance agent at Dobbs & Braddock Inc., serving Atlus, OK, can help you with that. Here’s what you need to know about auto insurance and roadside assistance.

Does Auto Insurance Cover Roadside Assistance? 

There are two main types of auto insurance: comprehensive insurance and liability only. Comprehensive auto insurance provides roadside assistance and will pay to repair another vehicle if you hit that vehicle in an accident. Comprehensive auto insurance will also repair your car if you’re in an accident, even if you are at fault for that accident. 

Liability insurance will pay to repair another vehicle if you cause damage to the vehicle, but it will not pay for roadside assistance or to repair your vehicle. If it’s important to you to have roadside assistance with your auto insurance, talk to your insurance agent when you purchase your insurance so your agent can help you get the type of insurance that will meet your needs.  

Which Type of Auto Insurance Is Right For Me?

Most people who get comprehensive auto insurance consider many things, including the value of their car, whether they have a car loan, and how much they would have to pay to replace their car.

If you’re trying to decide which type of auto coverage is right for your vehicle, talk to your insurance agent at Dobbs & Braddock Inc., serving Atlus, OK, to learn more about comprehensive versus liability auto insurance. We can help you decide which type of insurance is right for you. 

Home Insurance 101: Crafting a Tailored Shield for Residences

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When it comes to protecting your home in Atlus, OK, having a home insurance policy is a must from Dobbs & Braddock Inc. We’re here to provide a friendly guide on how to create an insurance shield for your property.

Getting the Basics of Home Insurance

Home insurance is like a safety net for your home, covering it from different risks. Whether it’s property damage or liability coverage, a good home insurance policy is your first line of defense against unexpected events. At Dobbs & Braddock Inc., we offer coverage options to make sure your policy matches the specific aspects of Atlus living.

Understanding Atlus Living

Atlus, OK is known for its tight-knit community and peaceful surroundings. When creating a home insurance policy for Atlus residents, it’s crucial to think about the unique risks of the area. Our guide considers the local factors that might affect your home, giving you valuable information on how to adjust your coverage to fit the special challenges of Atlus living.

Tailoring Coverage for You

We understand that every home is different and no one-size-fits-all. Our guide explores the coverage options available, helping Atlus homeowners make informed decisions about their insurance needs. Whether you want to protect your home from natural disasters, theft, or liability issues, our comprehensive guide makes sure you understand the ins and outs of each coverage.

Connect with Dobbs & Braddock Inc

As your local insurance partner, Dobbs & Braddock Inc. is dedicated to providing Atlus residents with personalized insurance solutions. Our guide is here to help you with home insurance, offering valuable insights into creating a shield for your residence. Reach out to us today to ensure that your home in the heart of Atlus, OK is well-protected.

Recreational Insurance Components

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Before you go off-roading with your recreational equipment in Altus, OK, review your recreational insurance policy with Dobbs & Braddock Inc. to ensure that insurance covers you fully.

Components of Recreational Insurance

Recreational insurance can include a range of components, including property damage liability, bodily injury liability, collision, comprehensive, and roadside assistance. What you choose to add to your policy depends on the type of equipment you own. For example, you can insure a boat or a jet ski on a recreational policy, and neither would need roadside assistance coverage. Recreational insurance can also cover an RV, fifth wheel, or popup trailer, on which you would probably want roadside insurance.

What Each Component Does

Recreational insurance covers many of the same things as policies covering cars, trucks, vans, and SUVs. Here’s what the most common components do:

  • Property damage liability – covers the damage to another person’s vehicle and belongings after an accident that you cause.
  • Bodily injury liability – covers the injuries or death of another person or persons in an accident that you cause.
  • Collision – covers the damage to your vehicle and belongings inside it no matter who caused an accident.
  • Comprehensive – covers the damage to your vehicle and belongings inside it from a peril named in the policy, such as fire, theft, or vandalism.
  • Roadside assistance – covers the need for help wherever your vehicle breaks down or you experience a lockout.

If you add equipment, such as a radar detector or custom lights to a vehicle, insure it by scheduling it in the policy.

Contact Us Today

Don’t ride your ATV, drive your RV, or boat on Oklahoma’s many lakes before ensuring that your recreational policy from Dobbs & Braddock Inc. fully covers your equipment. We proudly serve the Altus, OK area with the insurance its residents need to protect their financial assets. Contact us today for your recreational policy review.

Three Reasons You Need Renter’s Insurance

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When you rent a home, you need to be well-protected by renter’s insurance. There are many types of coverage that are included in these policies.

When you rent and need to be covered, you can call us at Dobbs & Braddock Inc. in Atlus, OK. 

Three Reasons You Need Renter’s Insurance

It Covers Your Belongings

One of the main things that comes in your renter’s policy is coverage for your belongings in your home. You don’t need insurance that covers the dwelling, but you do need coverage for all of your possessions. If something serious were to happen that damaged the items in your home, this coverage can pay for you to get it all replaced. It can be highly expensive to replace everything on your own, so every renter needs a renter’s policy for this coverage. 

It Covers Your Liability

If someone were injured in your home, you would likely be liable for all of the bills that they have as a result of those injuries. This can include medical bills, ongoing therapy, and more. When you aren’t covered, all of those bills are paid from your own pocket. With renter’s insurance, the policy can pay those bills and protect you from the financial problems that could come from paying them on your own. 

It Protects Your Lifestyle

If a damaging occurrence causes a lot of damage to your rental home, it could seriously affect your standard of living. If your home becomes uninhabitable, your renter’s insurance could pay for you to stay somewhere else where you keep your standard of living while the repairs are being made. This isn’t coverage that many people think about, but it’s great to have it if you need it. 

Get Renter’s Insurance Today

When you rent and need an insurance policy, call us at Dobbs & Braddock Inc. in Atlus, OK. 

Four mistakes to avoid regarding condo insurance

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Getting condo insurance is important if you are a condo owner in Atlus, OK. You can get the insurance policy you’re looking for from Dobbs & Braddock Inc.

Condo owners need to avoid costly insurance mistakes.

Here are four mistakes to avoid regarding condo insurance:

Thinking that your condo insurance policy covers you for flood damage

While condo insurance covers condo owners for numerous types of damage, flood damage coverage is not typically included in a condo insurance policy. Condo owners need to invest in a separate flood insurance policy if they need flood coverage. 

Being unaware of insurance coverage requirements stipulated by your HOA

Most condo owners need to meet various HOA requirements. Condo insurance is usually required by HOAs. If you own a condo, you need to understand the condo insurance requirements that you need to satisfy as part of the terms of your HOA agreement. 

Assuming that you should purchase the least expensive policy available

When you buy condo insurance, you should get quotes from a  few insurance providers and evaluate your options. While price is one factor you should consider, you should also consider other factors including coverage amounts and customer service offerings provided by insurance providers in your area. 

Underestimating your need for liability coverage

Some condo owners assume that they only need to meet minimum requirements when they buy liability coverage. However, investing in additional liability coverage can provide condo owners with additional financial security that pays off down the road. 

Schedule A Consultation Today

If you need a quote on a condo insurance policy, you can call us at Dobbs & Braddock Inc. Get in touch with us to insure your condo unit in Atlus, OK. 

Four things you’ll love about having health insurance

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Health insurance is one of the most important types of insurance coverage that consumers in Atlus, OK should have. At Dobbs & Braddock Inc., we are here to meet your health insurance needs.

The following are four things that you’ll love about having health insurance:

Being able to avoid financial problems that result from medical bills

Medical bills can be one of the most significant expenses that a consumer faces. In fact, consumers can be financially ruined if they experience a medical problem that requires costly treatment and they are not insured. 

With health insurance, consumers don’t have to pay medical bills out of pocket and can therefore avoid financial problems. 

Staying healthy thanks to preventive healthcare procedures

Health insurance covers the costs of many preventive healthcare procedures. These procedures are designed to keep patients healthy and prevent serious medical conditions. 

Choosing between various area healthcare options

Health insurance policies often give consumers a great deal of choice when it comes to where they get treated and what providers they rely on for treatment.

Consumers can choose the healthcare practitioner they choose if they purchase a health insurance plan that offers such flexibility. 

Avoiding stress over healthcare costs

It’s scary to face the possibility that you could struggle to pay for medical care you need to save your life because you don’t have health insurance. With health insurance coverage, you can avoid stress over this issue. 

Consult With Us

Get the health insurance you need in Atlus, OK. You can get in touch with us at Dobbs & Braddock Inc. to learn more about your health insurance options. Get in touch with us today, and we’ll provide you with a health insurance policy quote!

Life Insurance for Seniors: Tailored Coverage in Later Years

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Life insurance often involves younger individuals protecting their family’s financial future. However, life insurance in the Atlus, OK area can also be a valuable tool for seniors to ensure their loved one’s well-being and leave a lasting legacy. As seniors approach their later years, specific life insurance options are available that cater to their unique needs and circumstances.

Understanding Seniors’ Needs

Life insurance needs to change as individuals age. While the need for income replacement may decrease, other financial considerations remain. Seniors may want to cover funeral expenses, pay off remaining debts, leave an inheritance, or provide for a surviving spouse.

Final Expense Insurance

Final expense insurance, or burial insurance, is designed to cover the costs associated with end-of-life expenses, such as funeral and burial costs. These policies typically have lower coverage amounts and are easier to qualify for, making them an attractive option for seniors.

Guaranteed Issue Policies

These policies are guaranteed but do not require a medical exam or health questions. While premiums may be higher, they allow seniors to obtain coverage.

Term Life Insurance for Specific Needs

Term life insurance provides coverage for a specific period, such as 10 or 20 years, to address these obligations. It’s vital to assess your financial situation and the length of coverage you need before choosing a term life policy.

Whole Life Insurance for Long-Term Planning 

Whole life insurance offers lifetime coverage and includes a cash value component that can grow over time. Premiums are typically higher than term life insurance. Whole-life policies allow seniors to leave behind a financial legacy or supplement retirement income.

Dobbs & Braddock Inc Can Help You

At Dobbs & Braddock Inc, we can answer all your questions concerning life insurance. We assist the Atlus, OK region. Contact us today. 

The Benefits of Commercial Insurance

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If you are a business owner in or around the Altus, OK area, and you are shopping or need commercial insurance solutions for your business, we can help. Welcome to Dobbs & Braddock Inc and the solution for all your business and commercial insurance needs. 

Owning a business is a full-time job, and ensuring your business succeeds also means protecting your business too. From liability risks to the considerable cost of repairs resulting from events like storm damage or fires, commercial insurance offers more than insurance but peace of mind that your business is protected.

Protect Your Business with a Reliable and Proven Partner

That is also the kind of comfort and knowledge business owners get when they work with established and proven insurance agencies like Dobbs & Braddock Inc. While the practical benefits of commercial insurance can be immeasurable, the intangible benefits are priceless.

From the first step to any time business owners need to file a claim or have a question, our professional and knowledgeable team at Dobbs & Braddock Inc. is here to help. It is also the kind of service and professionalism business owners can expect when they choose a proven and experienced agent.

For All Your Commercial Insurance Needs

At Dobbs & Braddock Inc in Atlus, OK, we take pride in helping our local businesses with commercial insurance solutions to meet all their company needs. If you are looking for a partner for your insurance needs or looking for a quote, we can help.

Contact us to learn more about our range of insurance options and plans or to get the policy your business needs that will afford you the benefits and peace of mind business owners deserve. We are Dobbs & Braddock Inc., and we look forward to helping you with all your commercial insurance needs.

Tips to improve your gas mileage

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Gas mileage is an important factor when it comes to reducing emissions and conserving energy here in the Atlus, OK area. We at Dobbs & Braddock Inc are here to provide you with some tips to help you improve your gas mileage and save both money and the environment. 

Tips to improve your gas mileage

1. Keep your car in good condition:

Making sure your car is in good condition helps ensure that it will get the greatest fuel efficiency possible. This means keeping a regular maintenance schedule and replacing filters as needed. 

2. Drive efficiently:

Accelerating slowly and braking gradually can help you maximize the gas mileage of your vehicle by as much as 33%. Avoid rapid acceleration and heavy braking, as each time you accelerate quickly or brake hard; more fuel is burned than necessary for the journey.

3. Reduce drag:

Anything attached to your vehicle that causes resistance or creates drag not only decreases fuel efficiency but also increases wear on your engine components over time. That’s why it’s wise to take off any roof racks or bike racks when they’re not in use and remove any excess weight from your vehicle if possible. 

4. Use cruise control:

When driving at a consistent speed, such as on a highway, turn on cruise control to maintain a steady speed without having to make manual adjustments every few seconds. This uses less fuel overall than constantly accelerating and decelerating without cruise control engaged. 

Following these easy tips should help you get better gas mileage out of your vehicle while also reducing carbon emissions into the atmosphere – so start making these changes today!

Keep Your Auto Insurance Updated

For more tips and for your insurance needs, call us at Dobbs & Braddock Inc today. We are proud to serve the Atlus, OK area and would be happy to help.