Steiner Insurance Group

1161 Sonoma Park Dr
Suite 200
Norman, OK 73071

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Life Insurance Facts You Have to Know

Life insurance is a complex and vital type of coverage, one that will help your family after you pass and keep them financially secure for years to come. At Steiner Insurance Group, we can serve the Nashville, NC area with high-quality policies that make sense for you and which will be easy to integrate into your budget. 

Term Life Insurance May Be a Good Choice 

While you can get either term or whole life insurance, you might find a specific period a good option. A term life insurance policy is set up for a particular number of years. For instance, you could set it for 30 years, after which your policy would lapse. If you’re already in your 50s or 60s, that kind of life insurance policy is likely what you need. 

Calculating Your Needs Can Be Easy

How do you know what type of coverage level you need? First, just remember the anagram DIME or debt, income, mortgage, and education. Then, consider all of these factors and balance them against your family’s needs and what coverage level is likely available for you as a homeowner. 

Consider Adding a Few Beneficiaries 

When you add multiple beneficiaries to your life insurance policy, you help make sure that your policy pays out. For example, if both are still alive when you pass, the money is split depending on how you set up your policy. If one dies before the other, the surviving member gets the cash. 

Taking Care of Your Insurance Needs 

If you believe that you need life insurance and the facts above are easy enough for you to understand with little difficulty, you should probably reach out to us at Steiner Insurance Group to learn more. We serve the Nashville, NC area and can provide high-quality policies that make sense for you. 

Required Auto Insurance in North Carolina

When you own a vehicle in North Carolina, you are required by law to have an insurance policy for it. That policy has to meet or exceed several criteria that are determined by state law. If you don’t have car insurance, give us a call right away at Steiner Insurance Group in Nashville, NC.

Liability Coverage

When you get your auto insurance policy, it must contain three different amounts that are for your liability. There is one amount required for one person who suffered a bodily injury in an accident. There is another amount required for everyone who has bodily injuries from an accident with your vehicle. There is also a required amount for property damage that is done with your vehicle. Having these minimum amounts of coverage can protect you from a lot of costs that can result in an accident. 

Uninsured and Underinsured Motorist Coverage

This type of coverage protects you in case you are in an accident with a motorist who either doesn’t have enough insurance or has none at all. When the other motorist is at fault for an accident with your vehicle, they may have no way to pay for your medical bills and property damage without having enough insurance. With this coverage, the policy will pay for those bills up to its maximum payout. There is a specific amount required for the bodily injury caused to one person as well as a larger amount required for everyone who gets injured in the accident. A different amount is required for your property damage. 

Get Your Auto Insurance

In North Carolina, it doesn’t pay to have too little insurance. These minimum amounts of coverage are required, but it’s best to increase those amounts so that you can pay for serious accidents. If you are in need of auto insurance, give us a call at Steiner Insurance Group in Nashville, NC.

Why Bother with Commercial Insurance?

While owning a business in Nashville, NC is exciting, you have to contend with uncertainties lurking in the business environment. However, acquiring proper commercial insurance from Steiner Insurance Group agents will ease the operation of your business and protect against numerous perils. 

Commercial insurance is designed to help businesses stay protected against imminent perils that may jeopardize their success. Unfortunately, some business owners chose to overlook commercial insurance for their business. This trend is catastrophic since one blow can wipe out your business finances. That said, here are the reasons you need to think about commercial insurance. 

For compliance

If you have three or more employees in your business, you must carry workers comp coverage in North Carolina. Additionally, all business-owned vehicles must be covered by commercial auto insurance. Failure to buy the minimum-required commercial insurance exposes your business to non-compliance penalties. 

Protection of workers

If your employees get injured or sick while working on your premises, workers’ comp helps cover medical expenses. Besides, this policy covers employees’ funeral costs and partial loss of income.

Protection of assets

Damage to the business property can trigger devastating impacts on your business’s ability to function properly and sometimes result in a shutdown. As such, it’s paramount to protect your business against perils like vandalism and fire with commercial property insurance.

Liability protection

General liability coverage covers versatile situations, including a client’s injuries while on your business premises. Besides, it covers property damage and advertising injury claims from third parties. 

Saves money

Getting outstanding commercial insurance salvages you from paying out-of-pocket when unexpected eventualities like liabilities, injuries and damages on your business property strike. This way, you operate your business without fear of indulging in adverse financial impacts.

Having commercial insurance is a cornerstone for any business in Nashville, NC. If you have any queries regarding the procurement of splendid commercial insurance, call or visit us at Steiner Insurance Group.

Why should someone in North Carolina get a classic car insurance plan?

Those that are in the Nashville, NC area and love cars will likely dream of owning a classic car. A classic vehicle is not only a fun vehicle to drive and show off, but it can also be a good investment that will grow in value. As you are looking for a classic car, you also need to choose a quality insurance plan. There are a few reasons why someone here should get classic car insurance.

Protect Value of Vehicle

One of the advantages of having a classic car insurance plan is that it can protect the value of your vehicle. If you are going to invest in a classic car, it is an asset that could appreciate in value. This differs from most other vehicles that typically decline in value. With a classic car insurance plan, you and the insurance provider will negotiate a fair replacement value that will be based on the collectible value of the car. 

Offers Liability Protection

No matter what type of vehicle you want to drive in North Carolina, you will be required to carry liability insurance. With a classic car, you will likely drive the vehicle sparingly throughout the year and insurance term. As your actual liability risk is lower due to reduced annual mileage, you will receive an insurance plan and premium that reflects this. 

Choosing a classic car insurance plan in the Nashville, NC area is always a big decision. If you are looking for classic car coverage here, it would be wise to call the Steiner Insurance Group. When you do call the Steiner Insurance Group, you can learn a lot about your insurance options. You can then choose a plan that will provide you with coverage that is ideal for your situation. 

Insurance tips for RV enthusiasts

As the weather warms up, many RV enthusiasts in the Nashville, NC area are anxious to get out on the road! The team at Steiner Insurance Group is helping our clients prepare by providing the information necessary to select the right RV insurance policy. RV coverage is an important aspect of owning such a vehicle, and your coverage must suit your needs. If it’s time to review your policy or look for initial coverage, call or stop by today!

All RV coverage is not the same!

Several different factors can determine which type of RV insurance is the right fit. For example, do you store and use your vehicle at home, or do you only use it for road travel? Additionally, people who park their RV in a campground or park for use may have different needs. Anyone who entertains friends or family in their vehicle will want to review their liability coverage to ensure it is adequate.

From the few examples above, it is likely that not every policy will be a good fit for every situation. Thus, it is important to understand the policy features and benefits that are available to RV owners in the state of North Carolina. Having incomplete coverage can create several different problems if a covered event happens. Don’t find out after it’s too late that your RV policy is not suitable for your needs!

We are here to answer your RV insurance questions

Steiner Insurance Group is proud to serve our friends and neighbors in the beautiful Nashville, NC community. If you have questions or concerns about RV insurance and which policy is right for you, call or stop by our office today!

What does motorcycle insurance cover?

You love the feeling of freedom when riding your motorcycle. But with pleasure comes responsibility. In Nashville, NC, motorcycle and scooter owners are required to carry liability insurance. But, what can you reasonably expect the insurance policy to cover in case of an accident? Steiner Insurance Group explains the different types of coverage included in your policy.

Liability coverage

The liability coverage refers to the amount you are legally obliged to pay for another person’s injuries and property damage. The liability cover extends to your family members or other persons using your motorcycle with permission.

Medical payment coverage

If you or your family members are injured in the accident while riding your insured motorcycle, the policy will pay for any medical or funeral expenses resulting from the accident, including the medical care and rehabilitation costs needed to return you to health. The policy will pay for each injured individual up to the listed coverage limits.

Collision coverage and other than collision coverage

Collision coverage will pay for physical damage that occurred during the accident. It usually refers to the damage caused by the impact of another vehicle or object.  Other than collision coverage pays for damages caused by falling objects, fire, theft, hail, or animals.

Uninsured/underinsured motorist coverage.

Uninsured and underinsured coverage protects you when someone else causes the accident. If the guilty party does not have insurance or has a very small coverage limit, your policy helps you recover your own insurance shortfall. The coverage extends to both medical bills and costs of repairs to your motorcycle.

Life is unpredictable, so prepare to take care of your family and your property by talking to Steiner Insurance Group experts in Nashville, NC.

Umbrella Insurance for Oklahoma

Umbrella insurance refers to liability insurance coverage that is in addition to the liability insurance that you currently have on your home, automobile, or boat. Umbrella insurance is important to have in the event of a catastrophic liability claim or a massive liability judgment against you due to an accident or incident where you are found to be at fault. This type of additional liability insurance becomes activated when the limits on all of your other liability policies have been maxed out. Read on to learn more about the umbrella insurance policy options available to you from Steiner Insurance Group in Norman, OK.   

What Umbrella Insurance Does and Does Not Cover?

Umbrella insurance typically covers you and your family from incidents involving personal injury to others, bodily injury to others, damage to the property of others, and landlord liability.

It can also help pay for a judgment against you for slander or libel and false imprisonment.

Umbrella insurance does not typically cover your personal belongings, losses sustained by your business, your acts that are found to be criminal, or any oral or written contracts with others that you may have. 

Who Should Get Umbrella Insurance?

Certain risk factors increase your necessity of needing umbrella insurance. These include:

  • Being a landlord and renting out your property to others
  • Having household staff who work in your home
  • Having a swimming pool
  • Having a hot tub
  • Having a trampoline
  • Owning a dog
  • Having an insured driver who is a teenager
  • Holding large parties

Typical Umbrella Insurance Policy Limits

Umbrella Insurance policy limits are usually between $1,000,000.00 and $5,000,000.00.    

Contact Us                                   

Call Steiner Insurance Group today at 405-329-9780 or contact us at www.steinerig.com for a free Umbrella Insurance quote. Steiner Insurance Group serves both Norman, OK, and the surrounding Cleveland County, Oklahoma area.

 

 

What Is a Whole Life Insurance Policy?

One of the main types of life insurance is the whole life insurance policy. This type works much differently than a term life policy. If you are interested in life insurance to protect the financial future of you and your family, call us at Steiner Insurance Group in Nashville, NC to make an appointment with an agent. 

Your Whole Life

The name of this policy type describes why it is such a popular option for life insurance. Once you start this type of policy and keep making your payments as agreed upon, the policy is in effect for the rest of your life. No matter your age, the insurance company can’t cancel this policy as long as you are paying your premiums. With some other types of life insurance, the insurance may expire at a certain age and then require you to get another policy that costs more because you’ve gotten older. With whole life, you never have to worry about this. 

Building a Cash Value

A whole life policy comes with a cash value that is built up over the years. It is a portion of the profit from the policy that the insurance company has earned. With this cash value in place, you can borrow against it when you need to. Many people use this option when they have an emergency financial situation and need fast cash. The amount that you borrow is deducted from the policy’s death benefit until the loan is paid back. 

If you want to know more about these policies and are in the Nashville, NC area, call Steiner Insurance Group. Schedule an appointment to talk about how much life insurance you and your family need. 

 

Is Auto Coverage Required in North Carolina?

Auto insurance is designed to protect you against the injuries and property damage that auto crashes can cause. Although auto liability insurance is the only coverage required in North Carolina by law, that doesn’t mean you don’t need the protection that additional auto insurance coverage can provide. Here’s the protection that a well-rounded auto insurance policy from Steiner Insurance Group has to offer:

  • Collision – If you collide with another vehicle or run off the road and hit a tree, fence, or telephone pole, collision coverage helps pay for your vehicle repair costs. Depending on your accident’s severity, this could save you a substantial amount of money out of pocket.
  • Comprehensive – Vehicle theft isn’t uncommon in North Carolina, putting Nashville, NC car owners at risk of being a target. Comprehensive insurance protects you against vehicle theft by compensating you for its market value. It also pays for damage to your vehicle from non-collision causes such as bad weather, vandalism, and falling objects.
  • Uninsured Motorist – This insurance pays for your vehicle repairs if you’re hit by a driver who has no insurance or insufficient insurance to cover the cost of your damages. It also protects you from hit and run drivers.
  • Roadside Assistance – If you’ve ever had your car falter in the middle of nowhere, you’ll appreciate the protection that roadside assistance has to offer. Roadside assist covers the cost of towing your vehicle to a repair shop, so you’re not left stranded on your own.
  • Liability – North Carolina requires that you carry minimum liability coverage to protect others in accidents you cause. If your vehicle is registered in the state, your coverage must come from a licensed North Carolina insurance provider.

To get a quote for auto coverage in Nashville, NC, contact your Steiner Insurance Group agent today.

How can commercial insurance protect my business?

Owning a small business is a dream and goal that a lot of people share. When you are looking to start your own business in the Tusla or Norman, OK area, it is vital that you protect it as well as you can. One of the best ways to protect a business is by getting a full commercial insurance policy. This type of insurance offers several forms of coverage that could prove valuable for your company.

Protects Against Liability Risk

One way that your business can be protected is by providing you with protection against liability risk. Anyone that offers a service or product to a customer will routinely take on liability risk. If you are deemed liable for a bad accident, you could be facing serious settlement costs. Fortunately, with commercial insurance, you can receive protection against this risk.

Protects Business Assets

Another reason that you should get commercial insurance is that it can protect your business assets. A business owner is going to have to invest some capital to build inventory and buy other assets. When you get the right insurance in place, you can protect these assets. With insurance, you will be covered for costs needed to repair or replace these assets following damage or theft. 

As you are looking for a commercial insurance policy in the Tulsa or Norman, OK area, it is important that you receive guidance and support from someone that is experienced and truly understands this unique form of insurance. The team at the Steiner Insurance Group can offer you the support that is needed to choose the right policy for your situation. The Steiner Insurance Group is able to do this by carefully assessing all of your needs and helping you build a policy that is curtailed to your necessities. 

Partner Carriers


  • american-modern
  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers