Thomas Baste Insurance Agency, or TBI Agency, is a AAA Insurance company located in Oklahoma City, Oklahoma, United States offers Auto, Home, Business, Life, and Landlord Insurance.
Choosing the right insurance policy on your own can be confusing. Most of the time, You don’t even think about it until you need it. The problem is that when you need it, You usually find out that the insurance was not what you “thought” it was. TBI agency understands its customers because They are customers as well. They have the same questions, concerns, and needs as you.
Here at Thomas Baste Insurance, They strive to make each call, quote, service, and appointment personalized for you. They work hard to have a “Good Name”, How do They do this? They can think of genuinely caring for each individual who comes in contact with our team. After 17 years of service, they would have to be perfect. Unfortunately, that is not the case; but They work hard every day to be the best agency They can be.
AAA Insurance Products offered by Thomas Baste
01. AAA Thomas Baste Auto Insurance
At Thomas Baste AAA Insurance Agency, the team is able to assist you in acquiring the best auto coverage for virtually any domestic vehicle, including car insurance, motorbike insurance, boat insurance, recreational vehicle (RV) insurance, and many other types of insurance. For a number of years, they have served the inhabitants of Oklahoma as a reliable auto insurance broker, offering coverage for their vehicles. The reputation for providing individualized insurance and excellent customer service has been the foundation of their company’s success.
What types of vehicle coverage can you buy from TBI?
They can insure most vehicles as an independent broker. Their underwriters need to know the vehicle’s intended use, age, and value. They offer reasonable and comprehensive car, motorcycle, boat, RV, and other road vehicle insurance.
The also offered AAA Boat Insurace as well. If you are the proud owner of a boat, or soon will be, you will want to ensure that your boat is adequately insured. There are numerous sorts of boat insurance policies available; at a minimum, you should purchase protection against Storms, Fire, Collision, Capsizing, Explosions, Stranding, Theft, and Sinking.
02. AAA Thomas Baste Home Insurance
At Thomas Baste Insurance Agency, they provide Oklahoma homeowners with customized, comprehensive coverage that is priced competitively. Their team goes above and beyond for clients by providing customized care and a variety of online servicing choices that make insurance management simple and convenient. Also, Their team of house insurance experts is available to answer your concerns and assist you in obtaining the finest home insurance in Oklahoma.
What factors can influence the cost of homeowner’s insurance in Oklahoma?
The average cost of a homeowner’s insurance policy will vary from year to year. However, several key factors impact the cost of insurance and are used by insurers to determine your insurance rate and assess the risks.
- Property construction
- Property Location
- The age of the building
- Whether or not there is a swimming pool or trampoline
- If you run a business from your home
- The type of coverage you want
- The amount of coverage you need
- The replacement cost of rebuilding the property
Our insurers also provide discounts on home insurance for new homes, alarm systems, home/auto bundles, claim-free records, and more.
03. AAA Thomas Baste Business Insurance
Thomas Baste Insurance Agency works closely with Oklahoma business owners to provide a comprehensive selection of commercial insurance alternatives. The company was founded on providing individualized service to each of its customers. Today, their success is fueled by the fact that they take the time to comprehend the complex requirements of each firm they represent.
What types of Insurance should a small business buy?
Regardless of the sector, you work in or the size of your business, you’ll need to buy commercial insurance to cover your liabilities and make sure your assets are protected. Whether you’re a sole trader, a contractor, a freelancer, or the owner of a small business with staff, buying the right level of commercial coverage is essential.
- Commercial Auto Insurance
- General Liability Coverage
- Commercial Property Insurance
- Business Owners Policy
- Professional Liability Coverage
- Product Liability Insurance
- Workers Compensation Coverage
- Data Breach Insurance
- Commercial Umbrella Insurance
- Unemployment Insurance
- Directors and Officers Coverage
- Excess Liability Insurance
- Business Life Insurance
- Employer Health Insurance
- Non-Owned and Hired Insurance
- Equipment Breakdown Insurance
Aside from buying the right type of commercial insurance for your business in Oklahoma, you need to make sure you have the right coverage levels to meet any customer or contractual obligations.
04. Life Insurance in Oklahoma City
At Thomas Baste AAA Insurance Agency, their knowledgeable staff is available to assist you in selecting and purchasing the best life insurance coverage. They have always thought that getting to know their clients is the first step to doing excellent business. By taking the time to completely comprehend your needs, they are able to provide you and your family with customized coverage.
AAA Whole Life Insurance Oklahoma
In addition to protecting loved ones, whole life insurance also builds financial value over time. A death benefit is paid out if the insured dies, and the cash value is a savings component that grows over time. Whole life insurance policies often have consistent premiums over the duration of the policy. This policy pays money whenever the policyholder reaches a specific age or passes away.
However, the cash value component of a Whole Life policy is what causes the premium to be higher than that of Term Life.
AAA Term Life Insurance Oklahoma
Term life insurance is the cheapest option because it has no cash value. A Term Life policy pays a lump payment to a beneficiary upon the insured’s death. If the insured is still living at the end of the insurance period, you can’t get your money back.
Term life insurance is for those who don’t need it forever. It helps dependants but ends when children are independent or you retire.
AAA Universal Life Insurance Oklahoma
Universal Life gives policyholders more control over premiums. This flexible coverage provides lifelong protection for dependents. It lets you build monetary value and pays a beneficiary a death benefit. The flexibility allows you to adjust the death benefit and the timing or amount of premium instalments.
Universal and Whole Life insurance both allow cash-value loans and withdrawals. Variable life insurance offers additional investment opportunities that require more management.
Buying life insurance protects those who depend on you financially if you die unexpectedly. Thomas Baste Insurance wants to make sure you have the correct life insurance at the best pricing.
05. AAA Thomas Baste Landlord Insurance in Oklahoma
At Thomas Baste Insurance Agency Oklahoma, They’re here to help you obtain the greatest coverage at the most affordable rates. From the moment you speak with or meet a member of the team, you’ll understand why they have acquired a stellar reputation during their 17-plus years in the company. By taking the time to fully comprehend your needs, they are able to customize a policy that will protect both you and your assets.
If you rent out a property, landlord insurance will safeguard you from potentially catastrophic financial losses. This type of policy provides coverage for various liabilities in addition to the property itself.
Liability Insurance for Landlords
In the event that someone is injured on your property and you are found to be responsible for that injury, the liability component of your insurance is designed to help you pay for your legal fees or another party’s medical expenses.
Property Insurance for Landlords
The property part of your coverage safeguards the rental property itself. This includes any maintenance equipment that you keep on-site in addition to the residence itself.
Here is a brief summary of the coverage your landlord insurance may provide:
- Dwelling – This will assist in covering the cost of repairing your condo, home, or apartment if it is destroyed by wind, lightning, fire, hail, or another covered peril.
- Additional Structures – This coverage will assist in paying to restore detached structures on your property, such as a fence or garage if they are damaged by a covered peril.
- Personal Property – Only if utilized for property maintenance – If you maintain equipment on the property for the purpose of performing routine maintenance, such as a snowblower or lawnmower, then this portion of your landlord insurance could assist in covering any damage to these things.
Obviously, your landlord insurance policy will be subject to policy limits and deductibles. They can help you to determine the appropriate limits and deductibles for your unique circumstances.
As you can see, there are numerous options to consider when purchasing auto, home, life, or Landlord insurance. At Thomas Baste AAA Insurance Agency in Oklahoma, They are here to help you navigate these alternatives and determine which form of coverage best meets your needs. Their ultimate goal is to assist you in making a well-informed selection by providing you with easy-to-understand insurance prices and detailed explanations of each relevant option.
