Pricing as unique as you are. When determining your auto premiums, OBI treats you like the unique individual that you are. We consider your age, driving history, marital status, location and more to give us an accurate picture of your needs and risk factors. Each year, we review your account, driving habits, and other factors to ensure that you get the best rates possible, now and throughout your driving lifetime.
No two homes, or homeowners, are exactly alike. That’s why OBI offers a variety of innovative and customizable packages to meet your coverage needs, budget and lifestyle. Like our auto coverage, OBI’s options for a Homeowners plan are available in convenient packages that can be added to your basic policy.
While OBI can’t prevent a fire or theft at your home, we can provide the coverage to help you recover fully afterwards. Your choice of convenient pre-packaged protection designed to stretch your insurance dollar and provide added security.
To better manage your premium and your budget, choose from deductibles ranging from $500 to $5,000. We also offer competitive pricing for all types of homes and home values, as well as discounted rates for mature homeowners and renters regardless of employment status.
These discounts and credits go the extra mile, so your money can, too. Top coverage doesn’t have to cost top dollar. When you consolidate your various policies with OBI, you’ll enjoy greater savings, convenience and peace of mind. And because we recognize safe driving records and responsible lifestyles, we also offer additional savings when you:
- Insure your home and auto with the same insurance company
- Choose higher deductible amounts
- Insure more than one vehicle from our broad selection of companies
- Carpool to work
- Install anti-theft devices on your vehicle
- Have students on your policy who demonstrate “good student status”
- Are a single parent
Flood. Just because your home isn’t located in a coastal region, near a river or on a flood plain, doesn’t mean you don’t need flood insurance. In fact, more than half of all flood claims occur in areas considered to have low flood exposure. Most homeowner policies do not cover flood damage. Protect yourself from costly repairs. With flood protection from OBI’s partner companies, the following damages are covered:
- Structural elements, including walls, floors, equipment and fixtures
- Contents such as furniture, appliances, carpeting, and wall and floor coverings
- Personal items such as clothing, audio equipment and televisions
Umbrella. Often called “peace-of-mind protection”, umbrella coverage takes over where your basic auto and homeowners policies leave off.
What if you were in a car accident and were sued for $1 million? Or a neighbor was injured in your swimming pool and sued to recover medical expenses? Unfortunately, anyone can be hit with a lawsuit, and million-dollar judgments have become commonplace. Even if the court were to decide in your favor, you might still owe legal fees and court costs. With personal umbrella coverage from OBI, you’ll have a powerful ally to help you mount a strong defense against the financial burden of personal litigation.
Personal umbrella will help protect your assets and even extend coverage to your spouse and other relatives in your home.
More Coverages
Watercraft Insurance Program. Today, insurance is a vital portion of your financial portfolio to guard against possible future financial loss. Specifically, if you are a watercraft owner you need insurance for:
- The high cost of repair and replacement to damaged boats.
- Protection against liability costs you might incur in a boating accident.
- Protection against uninsured boaters
- Meeting insurance requirements by most lien holders when financing a boat.
The watercraft programs from our partners offer property and liability insurance coverage for your boating needs. Eligible boats are 32 feet and less in length, and under $100,000 in hull value.
A watercraft program can protect you with many needed coverages, including the following:
- Property coverage including boat, Jet-skis (personal watercraft), motor, trailer, safety and lifesaving equipment, plus personal effects up to $250
- Automatic Unattached Equipment coverage is included up to $500
- Towing coverage for recovery of a stranded boat, up to 5% of the amount of insurance on your boat.
- Comprehensive Liability and optional Uninsured Boater coverage
The OBI Account Extras Program provides flexible coverage options-including property and liability-for:
- Motor Homes
- Manufactured Homes (includes manufactured as well as modular homes)
- Dwelling Fire, including lower-valued owner-occupied, rental, seasonal, and vacant properties
- Motorcycles
- Cruisers
- Mopeds
- Scooter
- Trikes
- ATV’s
- Dirt bikes
- Four-, six- and eight-wheeled utility vehicles
- Travel Trailers
- Snowmobiles
- Collector Car
Call your OBI sales team at 405-463-0808 for in depth information- including levels and limits.