Does Condo Insurance Cover the Same Things as Home Insurance?

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Condo insurance is designed to protect the interior walls and contents of a condominium home. Condo insurance differs from traditional homeowners insurance and has unique terms and conditions. Anyone interested in securing condo insurance should reach out to Dobbs & Braddock Inc, serving Atlus, OK to get reliable coverage options.

Condo Insurance Protection 

Individuals who purchase a condo need to secure condo insurance to protect the interior walls of their space and the contents of their homes. While a Condo building maintains coverage for the structure as a whole, it does not protect the individual unit owner from covered risks.

To learn more about the protection condo Insurance provides to policyholders, reach out to our insurance experts for more information. Agents can explain the terms and conditions of each policy and outline the benefits, potential gaps, and coverage to reduce risks and ensure each customer gets complete protection.

Anyone in the market for condo Insurance can sit down with one of our agents and let them determine their current needs by carefully assessing their situation. Once the agent has a good idea of how the condo owner can benefit from specific policies, they can help them select the right one for their needs. Additionally, they can help submit documentation to secure coverage quickly, assist with any changes to the policy, and help them submit claims if necessary.

Find Out More 

To find out more about condo insurance and the policy options available through Dobbs & Braddock Inc, call or stop by our office. We want to schedule a consultation to allow for questions or to address any concerns. Secure protection insurance can provide for the residents of Atlus, OK by getting started today.

Tips for getting motivated to go to the gym

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At Dobbs & Braddock Inc, serving the greater Atlus, OK region, we provide health insurance to residents in the state of Oklahoma. We also provide related tips for your overall well-being. Exercising regularly can be a difficult task to maintain, but it is beneficial for your health. Going to the gym is one of the best ways to get fit, stay healthy, and improve your physical and mental health.

Here are some tips from us for getting motivated to go to the gym: 

1. Set realistic goals:

One of the first things you should do when trying to motivate yourself to go to the gym is to set achievable goals – such as going three times a week or increasing your cardio routine by 10 minutes each time. Knowing what you need to accomplish will help keep you focused and motivated on going regularly. 

2. Find an exercise buddy:

Having someone who shares your fitness goals can be a huge motivator for going to the gym. Having an exercise buddy that holds you accountable and provides support can make all the difference in sticking with your fitness plan. 

3. Reward yourself:

After completing each workout session, reward yourself with something small like buying a new item of clothing or treating yourself to a healthy meal, this will ensure that you stay motivated and focused on achieving your fitness goals. 

4. Make it fun:

Working out doesn’t have to be boring! Incorporate activities that you enjoy into your routine such as running outdoors or playing basketball with friends at the park – this way you’ll look forward to getting active instead of dreading it!

Update Your Health Insurance Policy To Best Meet Your Needs

By following these simple tips, you can easily stay motivated and enjoy reaching your fitness goals! You also want to take a look at your health insurance coverage to ensure you have the right policy for your needs.

For more healthy living tips, call us at Dobbs & Braddock Inc today. We proudly serve the Atlus, OK area. 

Three priorities to focus on when you purchase life insurance

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If you want to choose the right life insurance for your situation, there are a few priorities you should focus on. We can help you make important life insurance decisions at Dobbs & Braddock serving the greater Atlus, OK community. 

Below are three priorities you’ll want to focus on when you purchase a life insurance policy: 

Finding a policy with an affordable premium

Budget carefully when you decide on a life insurance policy. You’ll have to keep up with your premium payments so that you can continue to enjoy the coverage. 

Compare quotes from various life insurance companies so that you can get a premium that is both affordable and competitively priced. 

Making sure that your beneficiaries have enough money if you pass away

The amount of your death benefit is one of the most important decisions you make when you choose a policy. The death benefit on your policy needs to replace your income for your beneficiaries if you should pass away.

Crunch the numbers so that you figure out a death benefit amount that will allow your beneficiaries to maintain their lifestyle without your income. 

Choose the best type of life insurance for your situation

There are various types of life insurance available. It’s important that you understand what these different types of life insurance are and how they work. 

Some of the types of life insurance policies from among which you can choose are term life insurance, universal life insurance, whole life insurance, and variable life insurance. Don’t purchase a policy until you understand the differences between these life insurance types. 

Contact Us Today

Dobbs & Braddock Inc. is a great choice for quality life insurance for consumers in Atlus, OK. Call us or email us and we’ll provide you with a policy quote!

Should all Oklahoma businesses get commercial insurance?

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People living in the Atlus, OK area that want to be their own boss should consider starting their own business. If you choose to be a business owner of any kind, having the right insurance for your company is important.

There are various reasons why commercial insurance should be maintained at all times:

Ensure Business is Covered

An important reason for any business to have a commercial insurance plan is to ensure the business is appropriately covered. If you are going to run a business, you will want to know you are able to mitigate as many risks as you can. With commercial insurance, you are able to protect your business assets, reduce your liability risks, and receive other forms of coverage. Ultimately, this insurance will help your business remain solvent if some unexpected situations arise. 

Remain Compliant with Agreements

You also need to have a commercial insurance plan to remain compliant with various agreements that you sign. Any stakeholder in your business, which can include investors, lenders, customers, and other parties, will want to know that your business is protected and supported with insurance. Due to this, they typically will include insurance requirements in the documents you sign. If you have a commercial insurance policy, it will give you the support needed to remain in compliance with all of these agreements. 

Get The Right Coverage Today

It is very important for any business owner in the Atlus, OK area to properly assess their commercial insurance needs. Once you are ready to start shopping for coverage, it would be wise to call the team with Dobbs & Braddock Inc. The insurance professionals with Dobbs & Braddock Inc will give you the guidance needed to properly build a plan that will protect your business and keep it in good standing moving forward. 

Auto insurance FAQs

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Not all auto insurance is created equal. Not all insurance carriers are equal. Making a good decision when it comes to choosing your carrier can help you avoid a headache if you ever need to use it. At Dobbs & Braddock Inc in Atlus, OK, we only represent the best carriers in the business, and we help our customers to make sure they know everything they need to know before making their choice. 

Is auto insurance required in Oklahoma? 

Simply stated, yes, you must have liability coverage. The required amount is 25/50/25. This is $25,000 for injuries sustained by one person in an accident with a maximum of $50,000 for more than 1 person. The other $25,000 is for damage to property. 

Can I have more than one car on my auto insurance?

Yes, you can. While most insurance companies won’t balk at several, they may ask questions about usage. If one is a seasonal vehicle, be sure to let them know. 

What does comprehensive auto insurance cover?

Comprehensive is an optional coverage that you can choose to carry on your vehicle. This insurance is not required unless you have an auto loan or are leasing a vehicle. Known as non-collision coverage, it covers other things that can damage your vehicle. It covers weather-related damage like floods or wind damage. Coverage extends to the glass on your vehicle and also vandalism. If your car is stolen, this is the coverage that replaces it. 

What does my deductible apply to?

You choose a deductible that you have to pay before your coverage begins, but that only applies to comprehensive and collision coverage. You do not have to pay the deductible on a liability claim.

Get Auto Insurance Today

Contact Dobbs & Braddock Inc in Atlus, OK to get the answers to any auto insurance questions you may have. 

Are You a Homeowner? Protect it with Insurance

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People purchase homeowners’ insurance for the same reason they purchase health, automobile, or life insurance. It helps owners deal with the financial consequences if their home is damaged or if someone is injured on their property. If you live in or near Atlus, OK, we at Dobbs & Braddock Inc. can provide the protection you need for your home.

Home Insurance: What You Need To Know

Homeowners’ insurance covers most aspects of damage to your property, but not all. The most common exclusions are related to floods, war, large-scale disasters, normal wear and tear, negligence, or risky items like trampolines.

Examples of events not covered by homeowners’ insurance are:

  • Acts of war
  • Earthquakes
  • Floods
  • Infestations
  • Mold
  • Nuclear accidents
  • Sewer backup
  • Water damage

Homeowners’ insurance is necessary because it offers financial protection against the loss of your most valuable asset, your home. It also covers your personal property and all your assets in the event you are sued for damages if someone is hurt on your property.

You are legally required to purchase automobile insurance. It isn’t the same for homeowners’ insurance. The law does not require it on any level, from local to federal. But mortgage lenders usually require a homeowners insurance policy to be purchased before they fund the mortgage. A lender takes precautions to protect their money and a wise homeowner will want the same protection.

Get Home Insurance Today

Liability insurance and hazard insurance are combined to make up homeowners’ insurance. A knowledgeable and experienced group of professionals can explain all the differences and benefits of a homeowners’ insurance policy. Contact the insurance professionals at Dobbs & Braddock Inc. in Atlus, OK get answers to your questions regarding the correct level of protection necessary to cover your home, property, and possessions. You will be glad you did.

How to Safely Transport an ATV

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Dobbs & Braddock Inc. in Atlus, OK is here to offer you expert insurance advice on recreational insurance and other coverages. If you’re planning on taking your ATV out for a spin, you’ll need to know how to transport it safely. Whether you’re using a trailer or hauling it in the back of a truck, there are a few things you should keep in mind. 

Here are some tips for safely transporting your ATV:

Prepping your ATV for hauling

First, remove any loose items from the ATV that could fall off during transport, such as gear bags or hunting equipment. Next, secure the ATV to the trailer using straps or ratchet tie-downs. Be sure to distribute the weight evenly and secure the ATV to prevent it from shifting during transit. Finally, cover the ATV with a tarp or other protective material to keep it clean and dry during the journey.

Hauling on a pickup truck

An ATV can be driven up a ramp and onto the truck’s bed. Once the ATV is in the bed, it can be secured with straps or chains.

If you don’t have ramps, you can haul an ATV in the bed of a pickup truck by using a winch. First, secure the ATV to the winch using a strap or rope. Next, attach the winch to the front of the ATV and the bed of the pickup truck. Finally, use the winch to pull the ATV into the bed of the pickup truck.

Hauling using a trailer

The process of hauling an ATV using a trailer is relatively simple. First, you will need to attach the trailer to your vehicle. Next, you will need to load the ATV onto the trailer. Finally, you will need to secure the ATV to the trailer.

Dobbs & Braddock Inc in Atlus, OK offers a variety of insurance products for recreation enthusiasts. Call or stop by today to learn more!

FAQs about renters insurance

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Protecting everything that you have is important. You may not realize just how devastating it would be to lose everything you own. At Dobbs & Braddock Inc in Atlus, OK,  we do realize and want to make sure that you understand how important renters insurance is to your financial security. As independent agents, we have more choices to offer and can get the best deals as well. 

Renters Insurance FAQs

Doesn’t my landlord have insurance that covers me?

No, your landlord has insurance that covers their property, not your property. If you don’t have your own renters policy and your rental is destroyed, you will lose everything. Imagine losing all your clothes, your furniture, and your electronics. It would be devastating, not to mention expensive. 

Does renters insurance have exclusions?

Yes, like most other types of insurance, renters insurance does have exclusions. It will not cover you for damage that results from flooding. It will not cover for damage due to an earthquake or sinkhole. If you own a dog that is on the list of excluded breeds, you will not be covered for liability. 

What coverage does renters insurance provide?

Renters’ insurance typically provides three types of coverage. Content, liability, and loss of use.

  • Content coverage will provide a certain amount to replace the personal items you had in your rental. You can choose the current value or replacement cost for how you will be reimbursed. It also covers your property when you travel with it. 
  • Liability protects you from the results of getting sued or having someone get injured while visiting your rental. It also covers legal fees. 
  • Loss of use will help to pay for a place to stay if your rental is damaged so badly it is not habitable. 

Give  Us A Call

Contact Dobbs & Braddock Inc in Atlus, OK to learn more about the benefits renters insurance provides. 

What Will the Homeowners Association (HOA) Cover?

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Whether you live in a condo, townhouse, high-rise, or individual house, chances are that you live in a community that’s governed by a homeowners association, also known as an HOA, a self-governing organization that collects maintenance fees. 

Depending on your property type, your HOA, which is most likely run by resident homeowners, might be responsible for something as small as maintaining the common areas, including parking lots, or something as significant as overseeing the management of the whole property. Dobbs & Braddock Inc offers this guide for the greater Altus, OK community in navigating HOA. 

Homeowners Association (HOA): What You Need To Know

In communities that have an HOA, homeowners pay fees so they can maintain the neighborhood or units. If you’re curious about the cost of HOA fees and what they cover, you’re in the right place–because that’s exactly what we’re covering here. 

So, how much are HOA fees, and what do they cover? It depends on the community’s amenities, but generally, homeowners pay between $200 and $2,500 per year. 

At the very minimum, homeowners can expect their HOA to cover things like: 

  • Parking 
  • Safety and security
  • Maintenance and landscaping
  • Garbage pickup 
  • Common area utilities 

It should come as no surprise that larger communities with a more extensive list of amenities typically charge significantly more than communities that simply enforce rules and regulations. 

By paying the HOA fees, homeowner residents get to enjoy living in a community that’s safe, clean, and well maintained. 

Contact Us Today

Do you know what else is worth investing in? Condo insurance. This type of coverage has a plethora of benefits, including protection from losses from events like theft, vandalism, and natural disasters. And that’s where Dobbs & Braddock Inc comes in. For nearly a century, our insurance agents have been serving the greater Altus, OK community. For more information about how we can help you, give us a call.

What you need to know about managed care before choosing your health insurance

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Choosing your health insurance is stressful. It is so important for your healthcare during the next year that it may be tempting to just renew the insurance that you currently have so that you don’t have to think about it. That is fine if you are happy with your coverage. If not, you need to rethink your choice. At Dobbs & Braddock Inc in Atlus, OK we use our experience to help our customers find the right health insurance to meet their needs at a price they can afford. 

These days, most healthcare is managed, but what exactly is managed care, and what are the differences between the different types? 

What To Know About Managed Care

HMO (health maintenance organization)

With an HMO, you have a network of providers that you are required to use. Your care is managed by a primary care physician who you choose. In an emergency, you can go outside the network but expect to pay higher costs. Some medical procedures will require preapproval. 

PPO (preferred provider organization)

With a PPO, you will get the best rates for services if you stay within the network, but services received outside the network will be at least partially paid for. It gives you more flexibility if your favorite doctor happens to be outside the network. You will also need to choose a primary care physician within the network, 

POS (point of service)

A POS plan allows you the most flexibility. You have a network but you can choose your providers from within or outside the network. You will, however, get the best rates for services within your network. 

This is just a general description. Read the details carefully of any plan you are considering. 

Contact Dobbs & Braddock Inc in Atlus, OK when it is time to choose your health insurance. We are here to answer your questions and make any suggestions you may want.