Homeowners Insurance

Auto and Home Insurance Discounts

Recently, I asked several people what was most important to them when it came to their insurance. An overwhelming 100% of them said price. The available discounts that help lower the insurance premium are important. Many added that adequate coverage or claims service or customer service was also important, but the deciding factor was price. So, my [...]

What You Should Do When You Have a Homeowners Insurance Claim

When buying homeowners insurance, your insurance agent should spend time with you explaining what you are buying. You will go over how much coverage you have on your house and personal property, how your roof is covered, what the cost of the policy is, what perils are covered and anything that may be unique to your [...]

Replacement Cost versus Actual Cash Value Insurance Coverage

"I've heard people talk about Replacement Cost and Actual Cash Value insurance coverage. But, what do these terms mean? It's all Greek to me!" Insurance is confusing, no doubt. But, we are going to try to make the insurance jargon a little clearer, one term at a time. Replacement Cost versus Actual Cash Value (ACV) First, let's [...]

My Insurance Company Is Cancelling My Insurance! Now What Do I Do?

Over the last few weeks, we have reviewed what discounts and other options may be available if your insurance costs go up. We have not yet reviewed what to do if your insurance company is cancelling your auto, home or business insurance. Especially in Oklahoma, we see a lot of clients every week with insurance policies being [...]

The Mysterious Disappearance of Ella’s New Necklace

Valentine's Day Jewels Valentine's Day. For the jewelry stores, this is the most profitable time of year. It is estimated by the National Retail Federation that $18.2 billion will be spent to celebrate Valentine's Day in 2017. Over $4 billion is expected to be spent on jewelry. That's a lot of jewelry, folks! And, jewelry has a tendency to get [...]

Umbrella Coverage, Why Worry About It?

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our furry [...]

Providing Past the Premium: Education

Recently we began a blog series called Providing Past the Premium. We spoke briefly about Service. When looking at insurance protection the way you are serviced should play a huge part in the company/agency you choose to do business with. Are you treated respectfully, professionally? Like a priority? Are you walked through the protection outline [...]

Providing past the premium: Service

Not long ago a question was asked of our staff, "What makes RCI Insurance different from other insurance agencies?". Granted, many of our people on staff had differing responses, but one kept echoing, "The way we service our clients." Providing past the premium is a huge effort we make everyday at RCI Insurance Group and [...]

Christmas tree and decoration safety

With the Christmas season upon us, many homeowners and business owners are beginning the decorating process. We’ve hung the stockings with care, hopefully we’ve started our shopping list, and finally we’ve set up the Christmas tree. Each of us has our own way of decorating our tree. Some use decorations made by their kids and others [...]