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Auto, Home & Life Insurance Quotes

Auto Insurance
Home Insurance
Life Insurance

BASIC COMPONENTS OF CAR INSURANCE

Liability recommendations If your net worth is:
  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100
Collision coverage recommendations
  • If your car is less than 10 years old, consider buying collision coverage to protect the value of the vehicle.
  • If your car is more than 10 years old, buy collision if your car is worth $3,000 or more.
  • Buy collision if you can’t afford to replace the vehicle in the event of a total loss from an accident.
Comprehensive coverage recommendations
  • If your car is less than 10 years old, you should consider buying comprehensive.
  • If your car is more than 10 years old, buy comprehensive if your car is worth $3,000 or more.
  • Buy comprehensive if you live in a region prone to flooding, hail or animal strikes.

Basic Homeowner Terms to Remember

Dwelling refers to the amount needed to rebuild your home and replace the possessions inside. Liability is the amount of coverage to cover the cost of damages that you or other people covered by your insurance policy are responsible for causing. Personal property - Items or collections of items of particularly high value, usually over $2,500 are insured with a rider in your home insurance. Gun collections, antiques, jewelry, and heirlooms are just a few examples of items that might benefit from having a rider in place.
While the coverage can vary from state to state or from one geographical region to another, homeowners policies typically offer coverage for the following:
  • Fire/smoke
  • Lightning strikes
  • Windstorms
  • Hail
  • Explosion
  • Vandalism
  • Theft
  • Snow, sleet or ice
  • Falling objects
  • Damage from an aircraft
  • Damage from a motor vehicle

Term & Whole Life Insurance

Life insurance provides financial security and financial resources to help your family cover medical bills, funeral costs, college tuition, mortgage or rent and many other living expenses if something should happen to you.
OAW has a wide range of life insurance solutions, you can choose a policy that works for you and your family. Ask your local Agent if term life, universal life, or whole life insurance suits your needs and your budget.


The type and amount of coverage that you should have is determined by your mortgage, debts, income and additional expenses, like childcare or education.

Term Life -  Provides death benefit protection without any savings, investment or cash-value components.Term life insurance is available for set periods of time such as 10, 15, 20 or 30 years. Term Life is a popular choice because of the significantly lower cost. However, if you outlive the policy, you may find yourself in a challenging situation to try to by another life insurance policy.

Whole Life - Provides a death benefit and has a cash-value account. As the name implies, the policy does not have an expiration date for your coverage. Rates are significantly higher than term coverage