If you are wondering how to get umbrella insurance in Oklahoma City, OK, it might help to go to an insurance company for answers to your questions, such as Freeland Insurance.

If you are wondering if you are in need of umbrella insurance in Oklahoma, you should look into what it can do for you. It is a great way to ensure extra protection for your assets. If the liability limits on your auto insurance, home insurance, and other insurance policies are exhausted, this is when umbrella insurance policies can take over and give you the additional protection that you need. Many people may not want to get umbrella insurance because of the extra expense, but if you end up needing it, the benefits will definitely be well worth the cost.

There are certain things that could happen that could require more than your liability limits on your other insurance policies. For example, if there is an accident on a rental property of yours or your dog bites someone’s child, your current liability limits may not be enough to cover your expenses. In this case, an umbrella insurance policy would be extremely useful, and you would end up being grateful that you had one even if you had to spend some extra money to have it. An umbrella insurance policy can give you a second layer of protection of up to about $1,000,000, although higher limits could be available as well.

If you are a resident of Oklahoma City, OK and you are interested in learning more about umbrella insurance in your area, you should feel free to contact the professionals at Freeland Insurance. They will be able to answer any questions that you might have and perhaps point you in the right direction when it comes to choosing a policy for yourself.

4 Common Myths About Flood Insurance

Floods are the most common and most expensive natural disasters in Oklahoma City, OK. They can destroy properties worth billions in minutes. The good news?

You can always buy flood insurance that helps protect your home, commercial property, and personal belongings, but before then, you need to be adequately informed about flood insurance. At Freeland Insurance, we will help you distinguish between myths and facts about flood insurance.

#myth 1: Homeowners insurance covers floods

Many people buy home insurance and assume that all water damage is covered in the policy. Flood water damage is not covered by home insurance but under flood insurance. However, the water damage that is not directly caused by floods, like leaking pipes or broken taps, home insurance can help cover the damage or loss.

#myth 2: You don’t need flood insurance if you live in a low-risk flood area

You should never underestimate flood damage in Oklahoma City, OK. Freeland Insurance experts advise everyone to have flood insurance even if their area is marked as a low-risk area. The Federal Emergency management agency FEMA reported that 20 percent of flood insurance claims come from properties in low or moderate-risk areas.

#myth 3: It’s best to buy flood insurance during the rainy season

Some people wait until water levels start to increase and rush to buy flood insurance. If you wait, you stand to lose as flood insurance matures after 30 days from the date of purchase.

# myth 4:  Flood maps don’t change

Flood maps change due to many reasons, such as community growth and expansion. New buildings, changes in drainages, and weather conditions. It’s always a good idea to check the map every few years to determine how your area is marked.

Please don’t wait till they strike your home to buy flood insurance. Let Freeland Insurance help you find a policy that puts your interests first. Feel free to call us or drop by for a little chat about your policy.

There are a lot of common misunderstandings out there about health insurance. We are a provider of health insurance in Oklahoma City, OK at Freeland Insurance. 

The following are three common misunderstandings about health insurance to be aware of.

Health insurance is not necessary for those who are in good health.

It’s important for everyone to be covered under a health insurance policy. You may be in good health today, but you never know when your luck can change and you can suffer from a serious medical condition in the future. 

With health insurance, you know you will be able to get the health care you need if you become sick in the future. 

Health insurance will require me to pay a lot out-of-pocket. 

There are a lot of different health insurance plans out there with varying terms. You can find plans that require very little to be paid out-of-pocket if you need treatment. However, as a general rule the less you pay out-of-pocket, the more your monthly premiums are. 

All health insurance plans are more or less the same. 

Nowadays, there are all different kinds of health insurance plan out there to choose from. That’s why it’s more important than ever to really do your research. Health insurance plans these days tend to be closely tailored to the unique needs of individual consumers.

When you’re on the market for health insurance, explore available plans and understand the differences between them before you make a decision. 

Would you like to learn more about health insurance in Oklahoma City, OK? You can get in touch with us at Freeland Insurance to learn more about health insurance and to explore your insurance options. 

Based in Oklahoma City, OK, Freeland Insurance serves the community by helping residents find insurance coverage. We offer multiple types of policies for our clients. We strive to provide excellent customer service.

The Benefits Of Financial Services Insurance

If you are involved in the Oklahoma City, OK financial services sector, consider the benefits of financial services insurance. Financial services insurance provides a safety net to financial advisors, counselors, and stockbrokers.

Professional liability coverage is important. You’ll be protected if you are held liable for damages and allegations of fraud and negligence. Due to the importance of technology in the current financial sector, you can amend your policy to include cyber liability coverage. If you are an accountant or bookkeeper, you have access to sensitive information. If hackers were to compromise the data, that could potentially lead to huge losses. Liability coverage will protect you if hackers corrupt the data.

Financial services insurance is also an asset if you are involved in a management role, such as a director or chief officer. If you are in a management role, you are responsible for a lot of decisions on a regular basis. Liability coverage will protect you against potential allegations of slander. You will also be protected against allegations of improper handling of employee benefits. As a manager or chief officer, you help oversee everyone in the workplace. You can add employment practices coverage to protect you if you are engaged in a wrongful termination or sexual harassment lawsuit.

You can amend the policy as your business starts to grow or you are hired into a new role. Financial services insurance policies are flexible enough to change as your role changes and you face new threats. While you strive to adhere to all of the laws, financial services insurance will help protect your interests.

Consult With Freeland Insurance

Visit our website to learn more information about financial services insurance.  

Based in Oklahoma City, OK, Freeland Insurance assists the community by helping residents find the insurance coverage that they need. We strive to make sure that our clients receive excellent customer service. As an independent agency, we have established positive relationships with multiple carriers throughout Oklahoma.

7 Benefits Of Umbrella Insurance

Umbrella insurance acts as a safety net to protect you during the threat of a liability issue. Without having umbrella insurance, your personal assets may be at risk in the event of a liability dispute. Umbrella insurance is an asset because it could potentially prevent a disaster from happening. Here is a look at some other benefits of umbrella insurance.

Your Accessories Are Covered

If you have accessories on your property such as a swimming pool or trampoline, one mistake can cause potentially serious injuries. Umbrella insurance covers you if someone is injured while swimming in your pool or playing on your trampoline.

You Are Covered If You Host

If you host a lot of parties, there are a lot of risks associated with gathering a lot of people together. Umbrella insurance will cover you if someone gets injured at the party.

You Are Learning How To Drive

As you start to gain driving experience, there is a chance that an accident may occur. Umbrella insurance will cover you if you are held liable for damages.

You Are A Blogger

Sometimes stating your opinion on the internet may get you in trouble. Umbrella insurance covers you if your remarks cause someone harm.

You Own A Sports League in Oklahoma City, OK

Umbrella insurance can protect you if a fan is injured at one of your sporting events.

You Have Pets

If your pet accidentally bites someone out of anger, umbrella insurance will protect you.

You Have Employees

If one of your employees alleges serious charges, umbrella insurance will cover you.

Consult With Freeland Insurance

Visit our website today to learn more information about umbrella insurance.

Oklahoma City, OK residents who need flood insurance but don’t know where to begin should reach out to one of the skilled professionals at Freeland Insurance. We’ll help walk you through the process of understanding flood insurance, including the following: 

Contents Coverage and Property Coverage are Different
It’s important to note that the insurance coverage for any building that you own and the insurance coverage for any property inside of that building is different. You’ll need coverage to cover both your individual property and the building, appliances, carpeting, and more. This also means that it’s possible for renters to carry flood insurance, it just needs to be contents coverage. An insurance agent can help you sort out the differences, so that you know for sure that the specific items you’re most concerned about are covered by the insurance policy that you purchase. 

Many Providers Have a Thirty Day Waiting Period
Many providers that offer flood insurance have a waiting period of up to thirty days for coverage. This means that you’ll need to be covered well before any type of flood, storm, or other natural disaster. If you live in an area where flooding is common, be sure to purchase your coverage in a timely fashion so that you’re thoroughly covered when a flood occurs and you need it most. 

Homeowners’ Policies Typically Exclude Floods
Many basic homeowners’ policies do not include flooding damage. If you live in an area that’s prone to flooding, storms, or hurricanes, it’s important that you purchase this extra insurance before you need it, so that you’re covered in the event of a natural disaster. Otherwise you could be responsible for a larger bill than you can easily manage. 

Don’t be left without flood insurance when you need it most. Contact a friendly professional at Freeland Insurance to learn more about the precise coverage you need. We service the Oklahoma City, OK area and are happy to schedule an initial appointment with you at your earliest convenience. 

Commercial insurance is something that every business can benefit from and it can help protect plenty of things when it comes to your business. There are a ton of things that your commercial policy covers that you may not be aware of and one of them is your employees. For those in the Oklahoma City, OK area, the agents with Freeland Insurance can help you to find the right policy for your individual needs. Commercial policies can do wonders for employers if they have the right one in place.

For starters, your commercial policy is going to cover your employees for a range of things. It helps cover them if they are injured on your property first and foremost which is one of the most important things. Instead of you having to pay the full medical bills of an employee that is injured on your property, you can use your policy to help pay their medical bills so that you do not have to worry about how to help pay if they are injured.

For those that have a policy in place, you can specify how much is going to be paid if an employee is injured and how the employee can go about collecting. For the most part, your commercial policy is going to protect your employees from bodily harm while on your premises.  Though this might not seem like a terribly common occurrence, you will be surprised to find that more people are injured in the workplace than you might imagine. For those that live in the Oklahoma City, OK are, the agents with Freeland Insurance can help you find the policy that is going to protect not only you but also your employees while they are on your property.

One of the most rewarding careers is one that involves working with children. Whether it be operating your own daycare center or teaching at a local high school, working with children is a great way to help raise the next generation that will be running our country. As a daycare owner, though, there are many things that you need to take into consideration. Take for example insurance. Does your daycare center have all of the proper insurance coverage that it needs? For now, let’s take a quick look at daycare centers and the various types of insurance they need. 

You will find it very beneficial to invest in commercial insurance for your daycare center. With this type of insurance, you will receive a variety of benefits, including those related to general liability and professional liability coverage. With general liability coverage, this will help provide coverage for claims that relate to property damage. For example, if a child is injured on your business property and has to go to the hospital, you will have to pay for the involved expenses. With the right insurance policy, though, you can have peace of mind in knowing that you won’t have to dip into your own pocket to pay for the medical expenses or the damages that are sustained by your property. 

The best way to determine what type of insurance coverage your daycare center needs is by speaking with a qualified insurance specialist. To learn more about commercial insurance for daycare centers, please don’t hesitate to contact Freeland Insurance today serving the Oklahoma City, OK area. A professional insurance agent can help you assess which types of insurance will be the most beneficial for your daycare center. 

Many business owners make the mistake of thinking that their company vehicles are covered by their property and loss insurance which is often not the case. If you are a small business owner and would like to ensure that all of your business assets are properly covered, Freeland Insurance is here to help.

We are a full-service insurance agency that is proud to serve the greater Oklahoma City, OK area. Our agents are fully trained in multiple lines of coverage and can work with you to determine that your business has the comprehensive coverage that it requires.

Comprehensive Commercial Vehicle Insurance

Coverage for injury or damage, caused by your company or someone else, is crucial to protecting you in the event of an accident. Bodily Injury and Property Damage Liability coverage (BI/PD) covers you in the event of an accident and will protect you from major financial loss, no matter who’s fault the accident may be. Medical Payment coverage will help to defray any medical costs that are incurred due to the accident.

Coverage for uninsured motorists is another level of protection that is available. Our agents can work with you to determine which of the different lines are appropriate in your situation, and also calculate the appropriate coverage level. Vehicle insurance is an important part of protecting your company and all of your hard work.

Please give us a call today at (405) 692-6106 to schedule an appointment to ensure that your company vehicles are adequately covered, no one wants to learn about gaps in their insurance policies after a loss or damage event has occurred! Freeland Insurance is proud to serve the greater Oklahoma City, OK area and looks forward to working with you! Call us today.