Broken Arrow Are You Keeping Track of Your Valuable Personal Property?

 

How much is your personal property worth?

This question is something that the Insurance information institute, a Manhattan industry group, thinks that everyone who has homeowners or renters insurance needs to answer. No home is immune from the possibility of a catastrophe.  That is why a home inventory is so important. Often time’s people undervalue their property. Be sure to look in your closets and try to figure out what it would really cost to replace all of your suits and dresses.

The best way to keep track of the value of your possessions is to keep copies of receipts in a location other than your home. You would, however, have to be pretty compulsive to make copies of every receipt and then store them in a secondary location.

Another way to get a correct idea of what you have would be to go from closet to closet and room to room taking digital pictures of your belongings. It is important to take pictures of furnishings, furniture and even improvements made to the home. You should have antiques, artwork, rugs and expensive musical instruments appraised periodically.

Just a reminder that most homeowners policies provide “contents coverage” for 50 to 70 percent of the insured value of the home. So normally there is enough coverage as long as you can prove your losses.

For renters, co-op, and condo policies policy holders must determine how much insurance they need for their contents. So remember that you have to be accurate. Also everyone should insist that they are insured for replacement-cost coverage.

 

 

Working hard to serve you better: Szeszulski Agency....
Jerry Szeszulski (Shoe- Shell-Ski)
wk 918-254-2578 x227  Cell 918-808-6656

http://finsecurity.com/xs2243  (click here for website)

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

 

 

Tulsa, Broken Arrow find cheap Gas (((zip code gas prices)))

 

 

 

Just enter your zip code in the site below, and it tells you which gas stations have the cheapest prices (and the highest) on gasoline in your zip code area.  It's updated every evening. http://autos.msn.com/everyday/gasstations.aspx?zip=&src=Netx           ~~“We Take A Personal Interest-  Protecting What You Value Most”~~

 

Working hard to serve you better: Szeszulski Agency....
Jerry Szeszulski (Shoe- Shell-Ski)
wk 918-254-2578 x227  Cell 918-808-6656

http://finsecurity.com/xs2243  (click here for website)

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

 

 

 

 

Tulsa is it time for a Policy Review

These are two little words that seem to put fear in Tulsa and Broken Arrow residents; Why allow your fear of being sold to dictate your coverage’s (or lack of coverage’s) on your insurance? Look at it as your agent trying to protect you and your family with more coverage to prevent you from being underinsured. ( You can always say no) You should always want to be up to date on the coverage you do have and the options you may have for further coverage in the future? So….Let your fears fade away with lucky 13 things you must know to benefit from your next policy review.

Benefits to a Policy Review:
1. They help you make informed, conscious decisions, meaning decisions that you make before a loss.
2. Do I have the right coverage on my home?
3. Is the lot cost in my home coverage?
4. Why is my home insured for more than I could sell it for?
5. Do I have all the discounts I should be getting?
6. Are there any options that I may want that I am currently not taking advantage of?
7. Are there any options that I am being charged for that I don’t need?
8. Do you need an umbrella policy?
9. How much life insurance do I have?
10. How much life insurance do I have at work?
11. If I die will my family have enough life insurance?
12. Do I have the right auto coverage?
13. Does my auto policy cover me if I am sued, and for how much?

Making knowledgeable conscious decisions mean that at the time of loss, you, your loved ones, and the people that depend on you are left with good decisions. I cannot encourage you enough to spend thirty or forty minutes going over your policies with your agent.
Even If I am not your agent, I would be happy to meet with you to go over your coverage’s. No obligation, you don’t need to switch. I will go over with you what is covered, what isn’t covered, how the policy works, and help you coordinate your policy with what you have at work. So as you can see there is nothing to fear in making an appointment to do a policy review. This is one thing that is strictly for the benefit of you and your loved ones. So come on get up and contact your agent or myself to do a policy review today!

Jerry Szeszulski

Green Country- Do You Know How Your Credit Score Affects You and Your Insurance Rates?

 

Maintaining good credit gives you many benefits.

One of those benefits is getting a better price from some insurance companies.

 

Insurance scores are not the same as credit scores.

Even though both credit and insurance scores use credit information, Insurance scores are developed by using a unique mathematical formula that helps insurers predict the likelihood of insurance claims being filed. You can improve your insurance score and credit by having low balances on credit cards, applying for and opening new credit accounts only as needed, and by paying bills on time.

For more information about credit reports and your credit record contact:

Consumer Data Industry Association

www.cdiaonline.org

Equifax

www.equifax.com

For a copy of your report, call 1-800-685-1111

Experian

www.experian.com

For a copy of your report, call 1-888-397-3742

Trans Union

www.tuc.com

For a copy of your report, call 1-800-888-4213

 

 

Working hard to serve you better: Szeszulski Agency....
Jerry Szeszulski (Shoe- Shell-Ski)
wk 918-254-2578 x227  Cell 918-808-6656

http://finsecurity.com/xs2243  (click here for website)

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

 

 

Tulsans Are You Protected From Identity Theft?

 

What are you doing to protect yourself from this rapidly increasing Problem?

Here are some easy ways that your identity can be stolen:

1.     Internet Exposure

2.    Friends and Family

3.    Dumpster Diving

4.    Stealing Mail

5.    Shoulder Surf (standing over your shoulder watching for your pin…ect)

 

How the new identity is used:

·         To Access Credit Card Accounts.

·         Telephone or Utility Fraud.

·         To Access Bank Accounts.

·         Employment Related Fraud.

·         To Apply and Create Loans.

·         To Obtain Drivers License and Social Security Cards.

·         Fraudulent Tax Returns or Government Benefit

At the Szeszulski Agency, we have a plan that will protect you. A comprehensive program, which includes fraud and credit monitoring, resolution services, and stolen expense coverage. With secure ID from ANPAC, you will be able to monitor your credit to help prevent and identity loss. You will be signing up for an online subscription to fraud and credit monitoring services. You can receive the following coverage for a mere $90 per year:

·         Zero Deductible for identity theft losses.

·         Increased limits of $50,000 per occurrence/$100,000 annual aggregate

·         New income replacement coverage of up to $200 per day for 25 days or $5,000 for lost wages when having to take time to work to rectify records.

·         If you are a member of CA$HBACK from ANPAC, claims paid under this for this endorsement will not affect your CA$HBACK reward.

·         In addition, your coverage now also includes comprehensive resolution services should you actually become a victim. In this case, an advocate would be assigned to you to help you through the resolution process.

 

 

Working hard to serve you better: Szeszulski Agency....
Jerry Szeszulski (Shoe- Shell-Ski)
wk 918-254-2578 x227  Cell 918-808-6656

http://finsecurity.com/xs2243  (click here for website)

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

 

 

Tornado Safety Information for Tulsa and the surrounding areas

 

Green Country Be Prepared

·         Of course as many of you may know the best way to becoming prepared is to learn about the event it’s self. So here is some information about tornadoes that many of you may not know.

·         Tornadoes can strike quickly leaving little to no warning

·         They can be viewed as transparent until dust or debris is picked up, or until a cloud forms in the funnel.

·         Tornadoes can vary in speed from stationary up to 70 mph. The average speed of a tornado is 30 mph.

·         Tornadoes may move in any direction but normally they move from Southwest to Northeast.

·         Tornadoes can accompany tropical storms and hurricanes when they are moving onto land.

·         Peak tornado season in the southern states is March through May.

·         Tornadoes can occur at any time but are most frequent between 3 and 9p.m.

 

Tornado Warning-Means seek shelter immediately

·         In most buildings make sure to take shelter on the lowest floor in the center of the location away from all windows, doors, corners and outside walls. 

·         If you are in a vehicle or mobile home get out immediately and go to the lowest floor of a nearby building or storm shelter.

·         If you are outside with no shelter lie flat in a ditch or depression with your hands over your head. Do not go under an overpass. You are safer the lower to the ground you are. Watch out for flying debris.

 

 

Working hard to serve you better: Szeszulski Agency....
Jerry Szeszulski (Shoe- Shell-Ski)
wk 918-254-2578 x227  Cell 918-808-6656

http://finsecurity.com/xs2243  (click here for website)

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com