317 Insurance Advisors

317 Insurance Advisors Helping Oklahomans protect what they’ve worked hard to build. Clear coverage, honest advice, and lasting relationships, because insurance should feel personal.

Your home policy has a liability limit. What happens when a claim exceeds it?Most homeowner's policies carry $100,000 to...
06/18/2026

Your home policy has a liability limit. What happens when a claim exceeds it?

Most homeowner's policies carry $100,000 to $300,000 in personal liability coverage. That sounds like a significant number until you are involved in an incident that results in medical bills, legal fees, and a judgment that exceeds your policy limit.

A personal umbrella policy provides additional liability coverage above what your home and auto policies carry. Typically starting at $1 million, umbrella coverage kicks in after your underlying policy limits are exhausted.

The cost is usually modest relative to the additional protection. Most $1 million umbrella policies run $150 to $300 per year on top of your existing premiums.

Look at your current home policy liability limit. Ask yourself what happens financially if a judgment comes in above that number.

Do you know your current personal liability limit on your home policy?

06/17/2026

Before you host the cookout or leave for vacation, here are four things your home policy may not cover the way you expect.

Renting out your property without landlord insurance is a gap you will feel at the worst time.A standard homeowner's pol...
06/17/2026

Renting out your property without landlord insurance is a gap you will feel at the worst time.

A standard homeowner's policy is written for owner-occupied properties. The moment you rent your home or unit to a tenant, the coverage picture changes.

Most homeowner's policies exclude or significantly limit coverage once the property becomes a rental. A landlord policy, also called a dwelling fire policy, covers the structure, loss of rental income, and liability for tenant related incidents.

If you rent out a property and still carry a homeowner's policy, search that policy for the word "rental" or "tenant." Read what it says. That is the conversation to have this week.

Do you own rental property and know which type of policy you carry?

Attention renters. Your landlord's policy covers the building. Not you.Renters make up a significant portion of househol...
06/15/2026

Attention renters. Your landlord's policy covers the building. Not you.

Renters make up a significant portion of households in most cities. The majority carry no renters insurance. The common assumption: the building has insurance, so I am covered.

The building's policy covers the building. It covers the landlord's property. It does not cover your furniture, your electronics, your clothing, or your personal belongings. It does not cover your liability if someone slips and falls inside your apartment.

Renters insurance typically covers three things: your personal property, your personal liability, and additional living expenses if your unit becomes uninhabitable.

The average renters policy costs between $15 and $30 per month. The average personal property claim for a renter runs several times that in a single incident.

If you rent and do not carry renters insurance, that is the gap to address this week.

Do you rent without renters insurance, or do you know someone who does?

Pre-existing conditions in pet insurance are defined differently than you expect.In most pet insurance plans, a pre-exis...
06/14/2026

Pre-existing conditions in pet insurance are defined differently than you expect.

In most pet insurance plans, a pre-existing condition is any condition that showed symptoms or was treated before the policy enrollment date. That includes minor things: an ear infection recorded at a vet visit two years
ago. A limp the vet noted and then resolved. A cough documented in your pet's file.

Some plans distinguish between curable and incurable pre-existing conditions. A curable condition (one that resolved and showed no symptoms for a defined period) may become eligible for coverage under some policies. An incurable or chronic condition typically remains excluded.

The practical step: before you enroll, ask for your pet's complete vet records. Read through them. Note any conditions that appear. Then read the plan's pre-existing condition definition against that list. That comparison tells you exactly what the plan will and will not cover before you pay the first premium.

Were you asked for your pet's vet history when you enrolled in a pet plan?

Four sections of every pet insurance plan that actually matter. The coverage highlights on the front page of any pet ins...
06/13/2026

Four sections of every pet insurance plan that actually matter.

The coverage highlights on the front page of any pet insurance plan are written to attract, not inform. The four sections that tell you how your plan actually works are inside the document: the exclusions list, the waiting period schedule, the reimbursement structure, and the annual or lifetime benefit limits.

Those four sections answer the question everyone eventually asks: "I thought this was covered. Why is it not?" If you have a pet insurance policy, find those four sections tonight. If you are shopping for one, make those four
sections the first thing you read.

Did you read the full plan document before enrolling your pet?

A wellness plan is a discount or reimbursement program for routine care: vaccines, annual exams, flea prevention. It is ...
06/12/2026

A wellness plan is a discount or reimbursement program for routine care: vaccines, annual exams, flea prevention. It is not insurance. It does not cover emergencies. It does not cover surgery. It does not cover a diagnosis of cancer.

Pet insurance covers accidents and illness after you pay the deductible. Some plans cover hereditary conditions. Some do not. The difference between those two plans often becomes clear at the specialist's office.

If you carry a wellness plan and think your pet is insured, read the fine print tonight. Specifically look for the word "illness." If it is not there, neither is your emergency coverage.

Were you ever surprised by what your pet's plan did or did not cover?

The bill was $6,800. The policy did not cover it. Emergency vet care for common conditions (intestinal blockage, broken ...
06/10/2026

The bill was $6,800. The policy did not cover it.

Emergency vet care for common conditions (intestinal blockage, broken bone, sudden illness) regularly runs $3,000 to $8,000 before you leave the clinic. Most pet owners carry no insurance at all. The ones who do often discover exclusions they did not read.

Pet insurance is not a wellness plan. A wellness plan covers checkups and vaccines. Pet insurance covers accidents and illness. They are different products with different price points, and confusing them is how families end up with a $6,000 decision to make at 11 PM.

Before your next vet visit, look up your pet's current policy if you have one. Find two things: the annual deductible and the reimbursement percentage. If you do not know both numbers, you do not know how your coverage works.

Have you ever had an unexpected vet bill? What did it cost and were you prepared?

06/06/2026

Do you know what your state requires for workers comp once you bring on employees?

Workers compensation is not optional in most states the moment you hire your first employee. When someone gets hurt on y...
06/06/2026

Workers compensation is not optional in most states the moment you hire your first employee. When someone gets hurt on your premises or during work duties, the question is not whether you owe them medical care and lost wages.

The question is whether a policy pays for it or you do. In most states, operating without workers comp when you are required to carry it also triggers fines. And the fines do not pause while the injury claim is being processed.

If you have employees, search your current policies right now for the words "workers compensation." If you do not find it, that is the gap to address this week.

Did you know workers comp requirements vary by state and number of employees?

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15136 Traditions Boulevard Suite 1
Edmond, OK
73013

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 12pm

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