Types of Coverage
Aside from helping you with the cost of an accident, your auto insurance can help protect you (and your assets) from liability lawsuits. A policy that includes liability coverage with high limits, comprehensive and collision coverage for your car, and medical payments coverage for you and your passengers can save you thousands after an accident.
Most apartment complexes and landlords only have insurance that covers the damage to the actual dwelling, which leaves your personal possessions vulnerable. So, in order to protect your own items in case of fire, theft, or damage, you need your own policy, called an HO4 or renter’s insurance policy.
Umbrella policies act as a fail-safe for your savings and larger assets. If you are sued for damages that exceed the limits of your other insurance coverage, then an umbrella policy can prevent you from being wiped out.
While it is required by most mortgage companies, home insurance is still a good idea for anyone who has paid off their home and owns valuable electronics, jewelry, or other heirlooms that need to be protected from natural disasters or theft.
None of us like to think about when we pass on, but the last thing any of us want to do is to leave our loved ones in a difficult financial situation. Life insurance helps provide for the ones you care for. Purchasing it earlier in life can also help keep your premiums low as you get older.
As a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, break-in, severe weather and more. Landlord insurance helps cover loss of income in the event that your rental units become uninhabitable due to circumstances beyond your control.
There are many types of insurance available for business owners, depending on the needs of your specific industry. From General Liability to Workers Compensation to Commercial Auto Insurance. Give us a call today to find out which policies would have the greatest benefit to your business.
Get a Quote
Use the form below to contact us for a free insurance quote. A specialist in the field you’re interested in, will get back to you as soon as possible.
Meet Our Team:
Kyle Ryan Gray
I live in Norman, Oklahoma with my wife Kristi and my children Jacob and Abby. We are rooted in this community and active participants in the growth and advancement of our area.
My staff and I have lived in this market for more than thirty years. We are dedicated to providing guidance about how to adequately protect your family and assets while providing great value.
We know what you and your family have experienced in the past couple of decades here in Oklahoma and take our role in your protection seriously. We have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance and more.
Please allow us to show you how much we care!
Awards and Honors:
Farmers Toppers Club 2018
Farmers Toppers Club 2019
Hi there, I’m Nate Esparza. I’ve been with Farmers for a while now and been in the insurance field for a little over a year. I enjoy this job because I love helping and dealing with people on a daily basis and the job is always presenting new challenges so it never gets old.
I live in Edmond with my 2 beautiful girls, my gorgeous wife and 2 crazy Labradors. If I’m not at the office, you’ll find me hunting or fishing or tooling around in my garage. If you have an insurance need, reach out and let’s get you covered correctly and fully.
As a Commercial Insurance Specialist, my job is to review all types of property and liability insurance policies for you, along with your operating statements and property appraisals to ensure not only that you are in compliance with your loan documents, investor requirements and internal policies, but also that you are getting the best deal.
When it comes to understanding the insurance needs of your business, I’m ready to be on your team!
KYLE RYAN GRAY AGENCY
1404 N. Eastern Ave.
Moore, OK 73160
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