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.

Perils Coverage Explained

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Dobbs & Braddock Inc. understands that the insurance industry uses terminology that not everyone understands. We want to put an end to that so you knowledgeably purchase insurance that suits your needs. Your home insurance covering your Altus, OK home includes perils coverage if you purchased an HO-1, HO-2, HO-3, or HO-5 policy, but what does that mean to you?

Perils Coverage Explained

Home Insurance typically includes perils coverage, coverage for unexpected acts of chance, such as wildfire, tornado, hurricane, snowstorm, etc. Home insurance includes eight different forms of coverage, but only HO-1, HO-2, HO-3, and HO-5 policies cover a dwelling with perils coverage.

Each Home Policy Offer Different Levels of Perils Coverage

Check your policy carefully though because each of the four home policies that do cover perils cover different perils. An HO-5 policy offers the broadest coverage and covers personal property, but most people end up with an HO-3 policy because they don’t know what to ask for. The other four types of home policies – HO-4, HO-6, HO-7, and HO-8 – offer no perils coverage of any kind.

When Perils Coverage Activates

As soon as the peril named in the insurance policy damages your home, the coverage activates. When the damage occurs, file your claim as long as your home policy covers that particular peril.

Contact Us to Update Your Home Coverage

Did you just check your home policy and learn that you don’t have the perils coverage you desire? Contact Dobbs & Braddock Inc. to improve the coverage on your Altus, OK home. Let us help you upgrade your home policy to an HO-5 for the most comprehensive coverage.

Three priorities to focus on when you buy recreational insurance

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Owners of recreational vehicles in Atlus, OK can purchase recreational insurance from us at Dobbs & Braddock Inc. When you choose your recreational insurance policy, it’s important that you put some time and effort into making the decision.

The following are three priorities to focus on when you buy recreational insurance:

Understanding what recreational insurance is

Recreational insurance is an insurance policy that covers a recreational vehicle. If you own an RV, you need to have insurance coverage to legally drive it on public roads. You also should have insurance to protect the value of your recreational vehicle with collision coverage. 

Although recreational insurance is similar to standard auto insurance, there are some differences to be aware of. For one thing, recreational insurance offers specialized coverage for customers who live in their recreational vehicle all or part of the year. 

Shopping around for the right policy

Before you buy recreational insurance, you need to get quotes from a few providers. Customers should evaluate quotes carefully to choose a recreational insurance policy offering value and quality. 

Reading the fine print of policies before choosing one

Customers need to know the details of the coverage they’re getting. Carefully reading over the fine print of your recreational insurance policy can save you from surprises or disappointments down the road when you file a claim. 

You need to be prepared for the possibility of having to file a claim eventually by fully understanding the details of your policy. 

Reach Out To Us

Let us answer your questions about recreational insurance in Atlus, OK. At Dobbs & Braddock Inc, we can offer you a quote on a policy. Get in touch with us today to learn more. 

Three things to do before you buy renters insurance

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Consumers should weigh their options carefully before they buy a renters insurance policy. There are a few important steps you should go through before you buy an insurance policy in Atlus, OK. We can help you find the right renters’ insurance policy at Dobbs & Braddock Inc.

The following are three things that you should do before you buy renters insurance:

Understand what renters insurance covers.

Your first step should be to do some research and make sure you understand exactly what renters insurance covers.

A renters insurance policy covers you for liability expenses. Renters insurance can also cover your belongings within your rental unit. However, renters insurance will not provide coverage for damage caused by floods. 

Get a few quotes from different providers.

Once you have a general understanding of how renters insurance works, you should find insurance providers in your area who offer this type of coverage. You can then contact insurance providers you’re interested in buying a policy from so that you can get quotes from them. 

Carefully evaluate your options and choose a policy offering good value.

Evaluating quotes carefully and comparing them is an important step in choosing the insurance coverage that’s right for your needs. 

While the price of different quotes you receive is an important consideration, you should also take the time to carefully consider other considerations like the customer service that different insurance providers offer. Select a policy that you can rely on for quality coverage if you ever need to file a claim. 

Are you ready to buy renters insurance in Atlus, OK?

Dobbs & Braddock Inc is here to provide you with the information you need to be adequately insured as a renter. Call us for a quote on a policy. 

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.