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Terms and Conditions
Please read these Terms of Service (“Terms”) carefully before using the Miner Family Insurance (the “Company”) Resources (as defined below), applying to become an insurance agent for the Company, or otherwise seeking affiliation with the Company.
PLEASE CAREFULLY READ AND UNDERSTAND THESE TERMS. THEY CONTAIN AN ARBITRATION AGREEMENT, JURY AND CLASS ACTION WAIVERS, LIMITATIONS OF LIABILITY AND OTHER PROVISIONS THAT AFFECT YOUR LEGAL RIGHTS.
Use of Resources
Your use of the Company’s website, customer relationship management software, agent portal, leads, or your receipt of any commissions or other compensation from any insurance carrier affiliated with the Company (collectively, “Resources”) is conditioned on your acknowledgement, agreement, and compliance with these Terms. These Terms apply to all insurance agents that sell or market any products through their affiliation with the Company or in connection with use of any of the Resources.
By using the Company’s Resources, you agree to be bound by these Terms. If you disagree with any part of the Terms, you must immediately notify the Company and discontinue your relationship with the Company.
All Resources are provided “as is.” The Company makes no warranties, express, implied or otherwise, regarding the accuracy, completeness or performance of any Resource.
Outbound Communications and Compliance with Law
In connection with your activities pertaining to the marketing and sale of insurance products that involve the Company in any way (including any use of the Company trademarks or any Resource), you agree that you will not:
- sell any leads purchased from the Company or with the Company’s assistance unless expressly authorized by the Company to engage in the sale of leads;
- use (or engage others to use on your behalf), any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
- purchase or use leads that have been generated using any automatic telephone dialing system, autodialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
- contact any lead without evidence of proper consent or, if no consent exists, without screening against the federal Do-Not-Call (“DNC”) Registry and any applicable state DNC list;
- contact any lead that requested to opt out of communications;
- if involved in the sale or marketing of a Medicare Advantage, Medicare Part D or MAPDP product:
- use telephonic solicitation, including text messages, door-to-door solicitation, email solicitation without an opt-out function or approach potential enrollees in common areas;
- call a prospective enrollee who has not given permission to the entity with which you are affiliated to be contacted by a plan or sales agent;
- use communications and marketing materials that are inaccurate, misleading, have not been approved by CMS or the applicable carrier if approval is required, or otherwise do not comply with the Medicare marketing guidelines;
- fail to obtain an appropriate Scope of Appointment prior to a one-on-one telephonic or in-person marketing appointment; or
- enroll a prospective enrollee into a Medicare Advantage plan on an outbound call; or
- contact leads or use the Resources in any way that violates any federal or state law including, without limitation, marketing laws, the Telephone Consumer Protection Act of 1991 (“TCPA”), the Telemarketing Sales Rule (“TSR”), CAN-SPAM Act, the Health Insurance Portability and Accountability Act (“HIPAA”), the California Consumer Privacy Act (“CCPA”), or to the extent applicable, Medicare laws, regulations and guidance.
Communication with Agent
As an agent, you authorize the Company to contact you in connection with the sale of insurance products. The Company may contact you by phone, email, text, voicemail, or other methods. You may opt out of communications by communicating to the Company your preference to opt out.
Independent Contractors
Except for employee agents, the Company’s agents are independent contractors of the Company and are not employees of the Company. Non-employee agents have the right to determine the method, manner, and means by which they perform their services. Nothing herein shall be construed to create a partnership, joint venture, or an agency relationship between non-employee contractors and the Company.
Trademarks
The Company’s name and logo, and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on the Company’s website are the trademarks of their respective owners.
Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Resources, including your violation of law.
Limitation on Liability
TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY (OR ITS EMPLOYEES, OFFICERS, DIRECTORS OR AGENTS) BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE RESOURCES, REGARDLESS OF LEGAL THEORY, AND EVEN IF THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE COMPANY’S LIABILITY TO YOU ARISING FROM THESE TERMS, OR THE USE OF OR INABILITY TO USE THE RESOURCES, SHALL AT ALL TIMES BE LIMITED TO THE GREATER OF $1,000 OR THE AMOUNTS PAID BY YOU TO THE COMPANY FOR ACCESS TO AND USE OF THE RESOURCES.
Agreement to Arbitrate
Any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Resources shall be settled by binding arbitration. You and the Company are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. The agreement to arbitrate shall survive any termination of these Terms. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, in Dallas, Texas. The arbitrator will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section above as to the types and amounts of damages for which a party may be held liable.
Waiver and Severability
The failure of the Company to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of the Company. If for any reason a court of competent jurisdiction or an arbitrator finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.
SMS Terms & Conditions
By providing your phone number and opting into SMS communications, you agree to receive text messages from Miner Family Insurance, including but not limited to appointment reminders, order alerts, account notifications, and marketing messages related to our services
- Message Frequency: Messaging frequency may vary depending on your interaction with our services and your preferences.
- Message & Data Rates: Message and data rates may apply. These rates depend on your mobile carrier and service plan.
- Opt-Out Instructions: You may opt out of SMS communications at any time by texting "STOP" to (405) 724-2389. You will receive a confirmation text confirming that you have been unsubscribed. After opting out, you will no longer receive SMS messages from us unless you opt back in.
- Help Instructions: For assistance, text "HELP" to (405) 724-2389 or visit our website at www.minerfamilyinsurance.com.
- Privacy: Your information is subject to our Privacy Policy.
For further questions or concerns, you may contact us at jojojosh@minerfamilyinsurance.com.
Frequently Asked Insurance Questions
Get straightforward answers to the most common questions Oklahoma homeowners, drivers, renters, families, and business owners ask about insurance coverage, costs, claims, and choosing the right protection. If you don't see your question here, our licensed agents are happy to help.
Does homeowners insurance cover foundation issues in Oklahoma?
Most standard homeowners policies do not cover foundation damage caused by soil movement, settling, or drought — common in Oklahoma's clay-heavy soil. Foundation damage is typically only covered if it results from a covered peril, such as a burst pipe or a sudden, accidental event. Damage from gradual settling, expansive soil, or lack of maintenance is excluded by most carriers. If foundation movement is a concern for your property, ask your agent about an endorsement or a specialty policy — coverage varies significantly by carrier.
How much does home insurance cost in Oklahoma?
Oklahoma homeowners insurance averages higher than the national average, largely due to hail, wind, and tornado risk. Actual cost depends on your home's age, roof condition, construction type, location, claims history, and coverage limits. Getting quotes from multiple carriers matters more in Oklahoma than in lower-risk states, since wind/hail pricing varies widely carrier to carrier.
Is wind and hail damage covered by homeowners insurance in Oklahoma?
Yes, most Oklahoma homeowners policies cover wind and hail damage under standard dwelling coverage. Many carriers apply a separate, higher deductible specifically for wind/hail claims — often 1-2% of dwelling coverage rather than a flat dollar amount. Some older roofs may also be settled on an actual cash value (depreciated) basis rather than full replacement cost, so check your policy's roof settlement terms.
Do I need flood insurance in Oklahoma?
Standard homeowners and renters policies do not cover flood damage — it requires a separate policy, typically through the NFIP or a private flood carrier. Even homes outside designated flood zones can flood; lenders only require flood coverage in high-risk FEMA zones, but it's available regardless of zone.
What's the difference between actual cash value and replacement cost coverage?
Replacement cost coverage pays to repair or rebuild with new materials at today's prices, with no deduction for depreciation. Actual cash value (ACV) pays the depreciated value of the damaged item or structure — an older roof or HVAC system would be paid out at a fraction of replacement cost. Many Oklahoma carriers now default to ACV roof settlement once a roof reaches a certain age, so confirm which basis applies before a storm hits.
How much car insurance do I need in Oklahoma?
Oklahoma requires minimum liability limits of 25/50/25 ($25,000 per person / $50,000 per accident bodily injury / $25,000 property damage). These state minimums usually aren't enough to protect your assets in a serious accident — most agents recommend at least 100/300/100 if you own a home or have savings to protect. An umbrella policy is worth considering once your net worth exceeds your liability limits.
Does my auto insurance cover a rental car?
If you carry comprehensive and collision on your own vehicle, it typically extends to a rental car for physical damage. Your policy may not cover loss-of-use fees the rental company charges during repairs, and liability limits still apply. Check with your agent before declining the rental company's own coverage, especially for out-of-state or extended rentals.
What is an independent insurance agent, and how is it different from a captive agent?
and coverage across companies, while a captive agent (like a State Farm or Allstate agent) sells only that one company's policies. Independent agents can shop your policy across carriers as your rates or needs change, without you starting over with a new agent each time.
Does bundling home and auto insurance save money?
Yes, most carriers offer a multi-policy discount for bundling home (or renters) and auto insurance with the same company, often 10-20% off combined premium. Bundling can also simplify claims and renewal management since both policies run on the same schedule. An independent agent can compare bundled packages across several carriers rather than just one.
Why did my homeowners insurance get non-renewed or canceled in Oklahoma?
Non-renewal is increasingly common in Oklahoma due to rising claims costs from hail and wind losses; carriers periodically re-underwrite their books and drop higher-risk properties even with no claims history. Common triggers include an aging roof, prior claims (even weather-related ones), or a carrier pulling back from a region entirely. An independent agent can place you with a different carrier without a gap in coverage.
How much life insurance do I need?
A common starting rule of thumb is 10-15 times your annual income, adjusted for debts, mortgage balance, and years of income your family would need replaced. Term life insurance is generally the most cost-effective way to cover this need during working years, with whole life serving different long-term or estate-planning goals. An agent can run a needs analysis specific to your income, debts, and dependents.
What does general liability insurance cover for a small business?
General liability covers third-party claims of bodily injury, property damage, and certain advertising-related claims arising from your business operations. It typically does not cover employee injuries (that's workers' comp), professional errors (that's E&O), or damage to your own property or equipment. Most commercial leases and client contracts require proof of general liability before you can operate.
Do I need commercial auto insurance if I use my personal vehicle for work?
Yes — personal auto policies typically exclude coverage for business use, including deliveries, client visits, or hauling equipment, even if the vehicle is titled to you personally. A hired and non-owned auto (HNOA) or full commercial auto policy fills this gap depending on how the vehicle is used. Using a personal vehicle for business without telling your carrier can result in a denied claim.
What is an umbrella insurance policy and do I need one?
An umbrella policy adds an extra layer of liability coverage — typically $1 million or more — on top of your home and auto policy limits, kicking in once those underlying limits are exhausted. It's inexpensive relative to the protection it provides and is worth considering if you own property, have significant savings, or face higher liability exposure (teen drivers, a pool, rental property). Underlying auto and home liability limits usually need to meet a minimum before a carrier will write the umbrella.
Do I need non-owner car insurance if I don't own a car?
Non-owner car insurance provides liability coverage when you regularly drive a car you don't own — such as a rental or a borrowed vehicle — and don't have an underlying auto policy. It's often required to get an SR-22 filed after a lapse or violation, and it can also fill a coverage gap between owning vehicles.
How much does it cost to add a teen driver to my auto policy?
Adding a teen driver typically increases premium significantly — often 50-100%+ depending on the carrier, the teen's age, and their vehicle — since young drivers statistically carry the highest accident risk. Good-student discounts, driver's ed completion, and telematics/safe-driving programs can meaningfully offset the increase. Shopping the policy across carriers when a teen is added often finds meaningful savings, since carriers price youthful drivers very differently.
Is renters insurance worth it if my landlord has insurance?
Yes — your landlord's policy covers the building itself, not your personal belongings or your liability if someone is injured in your unit. Renters insurance is inexpensive (often $15-25/month) and covers personal property, liability, and additional living expenses if your unit becomes uninhabitable. Many leases in Oklahoma now require proof of renters insurance before move-in.
Can I switch insurance companies before my policy renews?
Yes, you can switch carriers at any point, not just at renewal — most policies can be canceled with written notice, and many carriers prorate any refund owed for unused premium. Timing a switch around a rate increase or non-renewal notice, rather than waiting for the renewal date, often avoids a lapse in coverage. An independent agent can time the switch so there's no coverage gap between the old and new policy.
What should I do immediately after a car accident in Oklahoma?
Check for injuries and move to safety if possible, then exchange insurance and contact information with the other driver and document the scene with photos. Oklahoma requires a police report for accidents involving injury, death, or significant property damage. Report the claim to your insurance company as soon as possible, even if you're unsure who's at fault — most policies require prompt notice.