AUTO INSURANCE

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverage which vary by state.

Utilizing high deductibles on the physical damage coverage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

BUSINESS INSURANCE

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.

RECREATIONAL VEHICLE INSURANCE

You can focus on having fun with your recreational vehicle when you have shopped with us for the most competitive prices. We're independent, which gives you the power of choice when looking for a policy that meets your insurance needs. This enables our agents to shop rates for you with multiple carrier options. Our locally owned and operated agency has been serving Oklahoma residents since 1968.

HOME INSURANCE

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

LIFE INSURANCE

Finding the right life insurance products can be challenging in today's insurance environment. The Smith Agency offers a complete line of individual health and life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.

The Smith Agency can help you make sound, informed decisions about issues affecting your life, health and insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.

MOTORCYCLE INSURANCE

Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what you coverage is best for you.

• Custom Parts and Equipment: If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
• Roadside Assistance: Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
• Liability Coverage: You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Ozanich Insurance works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.
• Medical Coverage: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
• Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

MOBILE HOMES INSURANCE

At Smith Insurance, we can assist you in finding the right coverage for an affordable price for your Oklahoma mobile home or manufactured home insurance. Many times a mobile home is a more affordable way to become a homeowner and you'll need similar coverage that a homeowner would need.

When purchasing a mobile home, you may not be aware that it requires different coverages than a normal homeowners policy. These manufactured home have special requirements due to the transportability and construction. Our professionals at Smith Insurance, can find the right options to cover your mobile home assets and liabilities.

Mobile Home Coverage options:

• Structures
• Personal Property
• Protection from flood and other weather
• Accidental damage
• Loss of use
• And many others ...