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Property Insurance! Aug 15, 2017
Property Insurance
Serving all the property insurance needs of Oklahoma
 
Insurance protection to help you feel secure at home

Centennial Insurance Group Inc is on your side. As an independent insurance agency, review multiple insurance companies and compare protection and prices to find the best value for you.
 
We’re your neighbors – we are real members of the Oklahoma City and surrounding communities. We know what’s important for your homeowners’ insurance policy in Oklahoma, and we’re committed to being your advocate in times of need.
 
 
Our commitment is to serving you
Centennial Insurance Group knows that in Oklahoma, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. www.centennialins.com
 
Home Insurance  – Insurance protection for the things that matter most to you.
Homeowners Insurance – Insurance protection for your most valuable asset.

Condo Insurance – Condos have special needs – make sure your insurance is right!

Renters Insurance – Inexpensive insurance options that make sense for renters.

Landlord Protection – Renting your home? Protect yourself with landlord insurance.

Flood Insurance – Insurance protection that covers what many homeowner’s policies don’t.

Earthquake Insurance – Specialized insurance coverage for when an earthquake strikes.
 
To learn more about our agency, contact us at 405-286-5025 or info@centennialins.com
 
Jewelry in the house? Protect It! Aug 14, 2017
Things to consider when insuring jewelry:
 
You may need to purchase additional coverage. Your homeowner’s policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 405.286.5025
.
You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.
 
Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.
 
What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Oklahoma, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.
 
Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.
 
Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.
 
Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at Centennial Insurance Group at 405.286.5025 before making that decision. That’s what we’re here for.
 
Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.
 
Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!
 
Contact Us!
For further questions and assistance, please contact at Centennial Insurance at 405.286.5025 or info@centennialins.com
 
Property Insurance Aug 11, 2017
Property Insurance
Serving all the property insurance needs of Oklahoma
 
Insurance protection to help you feel secure at home
Centennial Insurance Group Inc is on your side. As an independent insurance agency, review multiple insurance companies and compare protection and prices to find the best value for you.
 
We’re your neighbors – we are real members of the Oklahoma City and surrounding communities. We know what’s important for your homeowners’ insurance policy in Oklahoma, and we’re committed to being your advocate in times of need.
 
 
Our commitment is to serving you
Centennial Insurance Group knows that in Oklahoma, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. www.centennialins.com
 
Home Insurance  – Insurance protection for the things that matter most to you.
Homeowners Insurance – Insurance protection for your most valuable asset.
Condo Insurance – Condos have special needs – make sure your insurance is right!
Renters Insurance – Inexpensive insurance options that make sense for renters.
Landlord ProtectionTM – Renting your home? Protect yourself with landlord insurance.
Flood Insurance – Insurance protection that covers what many homeowner’s policies don’t.
Earthquake Insurance – Specialized insurance coverage for when an earthquake strikes.
 
To learn more about our agency, contact us at 405-286-5025 or info@centennialins.com
 
What is Renter's Insurance Coverage? Aug 10, 2017
Renters Insurance
You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Centennial Insurance Group help you find coverage options that protect you, your family, and your personal property. Call us at 405-286-5025 and let us help to make sure you’re properly covered.  

OKC – What you need to know about renter’s insurance
Your renter’s policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
 
OKC- Protect yourself and your guests
Your renter’s insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable.  Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Centennial Insurance Group Inc help you find the right amount of coverage to suit your insurance needs 2814 W Britton Road OKC OK 73120. Call us today at 405.286.5025

Get the right amount of insurance coverage OKC at the best price
Whether you’re starting out, between homes or downsizing, Centennial Insurance Group will help you pick the renters insurance coverage that best fits your needs. Give us a call today at 405-286-5025 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renter’s policy.

Extra coverage doesn’t have to cost a lot
Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
 
To learn more about this important coverage, contact us at 405.286.5025 or info@centennialins.com
 
 
Earthquake Insurance Aug 9, 2017
 
 

Earthquake Insurance – What OKC needs to know
What are the two most important things to know about earthquake insurance?
Most home insurance policies do not cover earthquake damage.
Even if you don't live in an area where earthquakes are common, you may still need earthquake insurance.
 
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in OKC, earthquake insurance can be inexpensive – contact Centennial Insurance Group at 405-286-5025 to find out what the costs would be for your home.
 
Earthquake insurance can have many options
Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA).
 
Does OKC really need earthquake insurance?
In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts:
 
In the West: According to the U.S. Geological Survey, there is a 70 percent probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years.
 
In the East: The Earthquake Education Center at Charleston Southern University claims there's a 40 to 60 percent chance of a major earthquake somewhere in the eastern United States in the next 20 years.
 
In the Midwest: According to the Insurance Information Institute, there's a 40 to 63 percent chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years.
 
What does earthquake insurance cover?
Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renter’s policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renter’s policy.
 
An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.
 
There are several options to consider when purchasing earthquake insurance, including:
Does the policy cover only your home? Are other structures, such as garages, also included?
Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?
Are there any exclusions or limitations to coverage?
What deductible must you pay before the insurance kicks in?
 
Earthquakes can happen in OKC – here’s how you can protect yourself
Make sure your water heater, gas appliances, and other fixtures are fastened securely.
Check that bookcases and furniture are secure and fastened to walls.
Have a family emergency plan that all family members know. Designate a meeting place outside the home where family members can gather once the danger has passed.
Designate a distant relative or friend who can serve as a point of contact and communication for you and your family members if you get separated.
Plan ahead. Keep flashlights, batteries, and candles on hand. Have a portable radio.
Be sure everyone in your house knows how to turn off utilities (electricity, water, and gas).

When shopping for earthquake insurance, ask the company to help you identify possible repairs and other improvements that will make your home safer and minimize damage.
 
What to do when an earthquake strikes
If you are inside when an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave.
 
If you are outside, get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from upper parts of buildings.
 
If you are in a car, stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle.
 
Keep in mind:
Don’t use candles until gas lines are checked. Also, check throughout your home before you use certain utilities, such as water and electric, sewage connections, and even chimneys.

Don’t tie up phone lines except to report emergencies.
Be prepared. Remember that you will need food and water, even for the short term. Keep your family together and stay alert for aftershocks.
 
Earthquake insurance needs can vary significantly – talk to us today to find out how to get the best price and value on earthquake insurance for you.
 
To learn more about Centennial Insurance contact us at 405.286.5025 or info@centennialins.com
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Centennial Insurance
2814 W. Britton Rd
Oklahoma City, OK 73120
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Located in Oklahoma City, OK . We also serve the Edmond, Moore, Norman, Oklahoma City and Yukon areas. - Licensed in Oklahoma