Skip to content
Click to Call
Greater Tulsa Insurance Inc

2604 W Kenosha St, #143
Broken Arrow, OK 74012

Get Directions

Oklahoma Insurance Blog

Do You Need Flood Insurance If You Aren’t In a Flood Zone?

Posted on by admin

If your home isn’t located in a high-risk flood zone, you might think flood insurance isn’t necessary. After all, if the risk is low, why pay for extra coverage? At Greater Tulsa Insurance Inc. in Tulsa, OK, we often encounter this question. However, flood damage can occur nearly anywhere, even in the least expected places.

Flooding Can Occur Outside Risk Zones

Flood zones are determined based on historical data and environmental factors, but they don’t predict every possible scenario. Heavy rainfall, broken water mains, or unexpected drainage issues can lead to significant water damage, even in areas marked as low or moderate risk. In fact, a large percentage of flood claims come from properties outside of designated flood zones. That means skipping flood insurance could leave you vulnerable.

Your Homeowners Policy Doesn’t Cover Flooding

One of the biggest surprises for homeowners is discovering that standard homeowners insurance typically doesn’t cover flood damage. If water seeps into your basement or floods your living room during a storm, you could be left covering the entire bill for cleanup, repairs, and replacements. Flood insurance is a separate policy, and it’s the only way to truly protect your home and belongings from this kind of loss.

It’s About Being Proactive, Not Fearful

Flood insurance isn’t just for coastal homes or riverside properties—it’s for anyone who wants a sense of security. If you’ve invested in your home, it makes sense to protect it from risks that may be rare but extremely costly when they do occur.

At Greater Tulsa Insurance Inc. in Tulsa, OK, we’re here to help you understand your flood risk and make smart coverage decisions. Contact our team today to explore your options and get the protection your home deserves.

Landlord Insurance is the Protection Every Property Manager Needs

Posted on by admin

Ownership and management of rental properties can be gratifying, but they come with their share of concerns and risks. From property damage to challenging tenants, the business of renting or leasing property can often present numerous hurdles. These types of situations are precisely why property owners and managers in the greater Tulsa, OK area rely on the trusted, experienced, and professional team at Greater Tulsa Insurance Inc. for all their landlord insurance inquiries and requirements.

Essential Protection with Landlord Insurance

If you rent or lease property, it’s more than just property and assets; it’s also a source of income. Whether it’s a supplemental or primary revenue stream, renting and leasing property is a business. This is one of the many reasons to consider landlord insurance – what happens when a destructive tenant, storm, or even a fire renders your property uninhabitable? If you rent out a property, you not only lose the structure, but you also lose the revenue it generates.

The silver lining is that even during the rebuilding and repair stages, the right commercial insurance can help offset those lost revenues. This is one of the many reasons why property managers in the Tulsa, OK area collaborate with Greater Tulsa Insurance for the protection every landlord needs.

Landlord Insurance for Tulsa Area Property Managers and Owners

If you lease or rent property in or around Tulsa, OK, and would like to learn more about safeguarding yourself and your property with the right landlord insurance solutions, we can help. Contact us to learn more and schedule an appointment with our friendly and professional team at Greater Tulsa Insurance Inc. today for the protection you need and deserve.

Do Classic Car Projects Require Insurance?

Posted on by admin

There’s a unique thrill in seeing the potential in a car that others might dismiss as a rust bucket. You can envision the gleaming new paint job and the roar of a refurbished classic car on the road. However, it’s crucial to understand the insurance requirements in South Kingstown, RI, to ensure your project car stays in the garage and not the impound lot.

Understanding State Requirements

Rhode Island mandates that every registered car driven on public roads must have car insurance. That means if your vehicle is registered in your name, it’s best to get insurance. You’ll also need insurance from a company like Kingston Insurance Agency LLC to take your project car for test drives on the road.

Many people opt for car insurance for project cars for various reasons. A coverage gap often results in higher premiums, so it’s best to get coverage as soon as the vehicle is registered with you.

Choosing the Right Coverage

Many companies offer classic car insurance for cars that meet classic car requirements. This coverage is often ideal for car projects because it has limited mileage, and many people don’t drive car projects while they’re working on them. It also offers a lower premium.

Consider where you’ll be working on the car when selecting coverage. Cars parked outside may require natural disaster coverage in case there’s hazardous weather, such as hail. Few people opt for full coverage insurance on vehicles that are just sitting in a garage. Remember, you can always change your coverage once the car is drivable.

We understand how important your new project is to you. Experienced agents at Kingston Insurance Agency, LLC, will discuss your situation with you to determine the best level of coverage that meets your needs. Contact us to learn more today. We’re currently serving the South Kingstown, RI area.

Why Recreational Insurance Is A Must-Have For Outdoor Enthusiasts

Posted on by admin

For outdoor enthusiasts, owning just one recreational vehicle often isn’t enough. We’re not just talking about RVs that you drive to go camping. The term "recreational vehicle" encompasses boats, jet skis, four-wheelers, dirt bikes, and everything else you need to live life to the fullest. You shouldn’t have to worry about damage and expenses. That’s why you need recreational insurance.

Different Levels of Coverage

Recreational vehicle policies at Greater Tulsa Insurance Inc. vary. Policy owners can opt for basic liability insurance to ensure they don’t have to pay out-of-pocket expenses if an accident happens or to meet legal requirements. More extensive coverage is available to protect your vehicles from things like someone else hitting them.

Legal Requirements

Tulsa, OK requires RV owners to carry minimum liability coverage if they drive an RV. However, towed RVs don’t need RV insurance. Other vehicles driven on public roads, including golf carts, are held to the same standard. However, dirt bikes driven on the road require motorcycle insurance, not recreational vehicle insurance.

Assurance for Your Peace of Mind

Oklahoma doesn’t mandate insurance for vehicles not driven on the road, such as four-wheelers, but insurance can still give you assurance. Many homeowner’s insurance policies offer limited or no coverage for off-road vehicles, meaning you’re stuck with a loss if there’s a natural disaster or someone steals your new four-wheeler.

Greater Tulsa Insurance Inc. offers recreational insurance to outdoor enthusiasts in Tulsa, OK who need to enjoy life without worrying about medical expenses if there’s an accident. Our customer service agents will work with you to determine if you are legally required to carry insurance and which policy best meets your needs. Contact us today to learn more.

Can You Split a Renters Insurance Policy?

Posted on by admin

In today’s world, sharing a rental with roommates or a partner can be a financially savvy move. This might lead you to look for other ways to save money. For instance, since you already split rent and utilities, should you also share an insurance policy? Is this possible in Oklahoma, and is it financially desirable? Splitting insurance can be complex, with both advantages and disadvantages. Let’s explore what splitting a renters insurance policy would entail. Regardless of your decision, you can get started with us here at Greater Tulsa Insurance Inc. in Tulsa, OK!

Can you share a renter’s insurance policy with a roommate or partner?

When considering sharing an insurance policy, the first question is whether it’s legally viable. Some states, like Florida, prohibit it. Fortunately, Oklahoma does not bar you from sharing insurance with someone else in the household. The next question is, is it the right move? While it may seem like a good idea, there are some potential issues with sharing an insurance policy. These include a rise in costs as more people are added to the policies, potential disputes during a claim or if you disagree with the other policyholder, and removing someone from the shared policy and getting your own if they leave. If you’re considering sharing a renters insurance policy with someone else, consider all aspects before making your final decision.

Protect Your Belongings and Yourself With Greater Tulsa Insurance Inc.

Whether you choose to share a policy or go solo, Greater Tulsa Insurance Inc. in Tulsa, OK, is ready to help you find a renters insurance policy that suits your needs. Contact us now!

Tips for Insuring Your Hobby

Posted on by admin

At Greater Tulsa Insurance Inc., we understand that your hobbies are more than just pastimes—they’re a part of who you are. Protecting them is crucial, whether photography, collecting, or any other passion. Let’s explore some key tips for securing your hobbies without breaking the bank.

Understand Your Coverage Needs

Every hobby is unique, and so are its insurance needs. Understanding what’s covered under your current policy and where additional coverage might be necessary is vital. For instance, a standard home insurance policy may not cover high-value collectibles or specialized equipment.

Appraise Your Hobby Assets

Knowing the value of your hobby items is essential. Consider getting a professional appraisal for expensive or rare items. This will help you determine the right amount of coverage and ensure you receive the appropriate value in case of a claim.

Consider Specialized Insurance Options

Depending on your hobby, specialized insurance options may be available in Tulsa, OK. These policies are tailored to specific needs and offer better protection than general policies for unique items or activities.

Review and Update Regularly

Your hobby and its assets might evolve over time. Regularly reviewing and updating your insurance coverage ensures continuous protection.

Contact Us Today

At Greater Tulsa Insurance Inc., we’re here to help. Whether you’re in Tulsa, OK, or the surrounding areas, reach out to us for personalized advice and solutions for insuring your hobbies. We’re not just your insurance provider but your neighbors and fellow hobby enthusiasts! Let’s ensure together that your hobbies are safeguarded.

Customizing a Motorcycle Insurance Policy

Posted on by admin

When you buy bike insurance from Greater Tulsa Insurance Inc., you might consider the state minimum required policy, but that only provides you with liability coverage that protects other drivers on the roads of Tulsa, OK, and beyond, as well as pedestrians. You need to also protect your investment in your motorcycle and your own well-being. Adding coverage to an essential policy can do that.

Customizing Your Motorcycle Insurance

Customize your motorcycle policy to cover damage to your bike incurred in collisions, including single-vehicle accidents, vandalism, storm damage, and much more. You can add roadside assistance and medical coverage, too. Let’s consider the four types of coverage that protect you and your bike and what each type of coverage does.

  • Collision: This type of coverage protects you from financial loss when your bike is damaged in an accident, even a single-vehicle accidentccident.
  • Comprehensive: Comprehensive covers damage to your vehicle from various perils, such as vandalism, hail, fire, etc.
  • Medical: MedPay provides medical coverage whether you or another party caused an accident. It also covers passengers.
  • Roadside assistance: Phone a toll-free number to obtain emergency services anywhere in the U.S., including tire changes, gas service, a tow truck, and locksmith services.

You can increase the coverage of your liability insurance, too. This protects you from out-of-pocket expenses if you cause an accident.

Consider scheduling coverage for any motorbike improvements you made, such as a custom paint job or an added sidecar. This scheduling process covers the specific improvement.

Contact Us Today

Don’t get caught without the right motorcycle insurance. Contact Greater Tulsa Insurance Inc. today for an auto insurance review. Let us help you upgrade your motorcycle insurance before you hit the roads in Tulsa, OK.

Consequences of Experiencing Flood Damage without Flood Coverage

Posted on by admin

Flood insurance is an important add-on that homeowners can opt for in addition to their regular homeowner’s insurance policies. Many homeowners refrain from adding flood insurance to their policies because they wrongly believe they’ll be covered should a flood occur. If you’re a homeowner in the Tulsa, OK area, you might consider not adding flood insurance to your policy. However, there may be very dire consequences if your home sustains flood damage and you’re not covered. Here are some possible consequences:

Potential Financial Strain

Many homeowners don’t have extra money to pay for the potentially high costs of repairing their homes following flood damage. If you’re an average middle or lower-class homeowner, being forced to pay for repairs out of pocket could result in immense financial strain.

Delayed Repairs

Without flood coverage, you might be faced with a delay in repairs. This delay could be weeks, months, or even years. This means that you can’t fully enjoy your home because of the damage, nor can you get the damage repaired because of lack of funds. This would leave you in limbo as you wait to save up money to return your home to its original condition.

As you can see, there are some serious consequences if your home were to sustain damage from a flood and you are not covered under flood insurance. Since Tulsa, OK is known as a high flood area due to high tornadic activity, it’s always wise to opt for flood coverage in addition to your regular homeowner’s insurance. If you need a new insurance provider, you may want to consider Greater Tulsa Insurance Inc. Greater Tulsa Insurance Inc. has been in business for years, and we take pride in providing top-notch coverage. Give us a call today for a quote.

Do I Need Landlord Insurance If I Rent A Room In My House?

Posted on by admin

Renting out rooms or parts of your home, either short-term or long-term, has its unique set of challenges, especially when it comes to insurance. Insurance companies have different approaches to insuring homes that offer room rentals. In this article, we’ll cover the essential aspects to prepare you for discussing your needs and options with your insurance agent. At Greater Tulsa Insurance Inc., serving Tulsa, OK, we provide solutions to meet your insurance needs when renting out a room in your house.

Landlord Insurance for Tenant-Occupied Property

Landlord insurance has historically provided coverage for properties rented out. Such properties are generally considered business investments, and landlord insurance for tenant-occupied properties usually includes:

  • Property damage: Coverage for damage inflicted on the unit by tenants or guests.
  • Liability coverage: Coverage for injuries sustained by tenants or their guests on the property.
  • Loss of rental income: Coverage for lost rental fees if the property is deemed uninhabitable due to a covered loss.

Additional coverage options are available for vandalism, burglary, and other concerns.

Room Rental for Owner-Occupied Property

Insurance companies differ in how they insure people who rent a room or rooms in a property they also live in.

Some insurers consider rooms rented temporarily covered by your home policy, while most require an additional rider or endorsement and increased premiums.

Owners who regularly rent rooms treat their homes as business property, so many insurers mandate landlord insurance for adequate coverage. Therefore, owners must work with their insurance agent to ensure they have the appropriate coverage for their homes’ mixed personal and business use.

Working with Greater Tulsa Insurance Inc.

At Greater Tulsa Insurance Inc., we take pride in serving the insurance needs of homeowners and landlords in Tulsa, OK, and the surrounding areas. Whether you rent out your property or not, give us a call today at (918) 984-9448 or visit us to ensure your property is adequately insured.

Enjoy Your Vacation More Fully With Recreational Insurance

Posted on by admin

Vacations are about having fun and shedding worries, and obtaining the right recreational insurance can provide that reassurance. Greater Tulsa Insurance Inc. is here to assist if you reside in the Tulsa, OK area and need coverage. We’re here to provide the requisite information and policy options that cater to your needs, allowing you to concentrate on the fun and adventures you’ll be having.

A recreational policy can cover vehicles that might not be protected under other policies, such as ATVs, dirt bikes, and similar vehicles. If it’s a toy for adults, it most likely requires this type of coverage. Not only should you cover it for protection, but you also need to protect yourself and your passengers. Policies come with different coverage options and limits, so selecting the one right for you is important. That’s where an agent’s assistance turns crucial.

Our trusted and committed insurance professionals can cater to all your insurance needs. We’ll provide you with quotes from multiple insurers and help you understand the differences between the policies. In doing so, you can make an informed decision in protecting your recreational vehicles, allowing you to use them with peace of mind. Whether you frequently use them or occasionally, it’s vital to ensure they’re covered.

Contact us today at Greater Tulsa Insurance Inc. if you’re in the Tulsa, OK area and are searching for recreational insurance options. We can secure a policy that aligns with your objectives and lifestyle, allowing you to vacation or simply enjoy your recreational vehicles nearer home with the utmost confidence.

Archives

Categories

Our Services

Servicing States

  • Oklahoma

Testimonials

Leave a Review

Partner Carriers

  • Allstate
  • American Modern
  • Burns & Wilcox
  • Chubb
  • Compsource Mutual
  • Foremost
  • Hagerty
  • Mercury
  • Openly
  • Progressive
  • RPS
  • Safeco
  • The Hartford
  • Travelers
Greater Tulsa Insurance Inc

Greater Tulsa Insurance Inc | Website Development by EZLynx® • Copyright © 2025. All Rights Reserved.