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

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Oklahoma Insurance Blog

Why Recreational Insurance Is A Must-Have For Outdoor Enthusiasts

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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?

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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

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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

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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

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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?

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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

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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.

Is My Jewelry and Coin Collections Covered on My Renters Insurance

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If you are currently a renter or planning to rent in Tulsa, OK, contacting Greater Tulsa Insurance Inc. is a great idea to help you find the perfect insurance to protect your property. This is particularly important if you have valuables such as high-end jewelry or coin collections. It’s important to note that most renters’ insurance policies, much like homeowners’ insurance policies, cover personal property up to a specific dollar limit. Suppose you have diamond jewelry, Rolex watches, precious gemstones, or an impressive coin collection. In that case, you may want to have a conversation with our expert team of agents about "scheduling" these items to ensure they are appropriately covered.

What Does Scheduling on An Insurance Policy Mean?

Scheduling is an insurance term that refers to getting additional coverage for your special personal property. Scheduling or itemizing these items will slightly increase your premium, but it will be covered if the item is lost, stolen, damaged, or goes missing. Usually, there is no deductible on scheduled property. We can discuss this detail when you visit us.

What Does Renters Insurance Typically Cover?

Renters insurance policies vary, but they usually:

  • Allow you to rent since many landlords in Tulsa, OK require renters to have insurance
  • Cover clothing, accessories, and personal belongings up to a specific limit
  • Cover furniture, heirlooms, and special property up to a certain limit
  • Provide peace of mind knowing your valuables are covered

Contact Greater Tulsa Insurance Inc. For Renters Insurance Today

The professional team at Greater Tulsa Insurance Inc. recommends having renters insurance even if your landlord does not require it. This protects you against losses from fire, theft, and other unexpected incidents. Protect your jewelry and other valuables. Contact us today, and we’ll ensure you’re adequately covered.

Recreational Vehicle Insurance Exclusions

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Are you aware of what your recreational vehicle insurance policy covers and does not cover? Review the information below. It will familiarize you with the types of situations that will require an insurance claim to be filed.

Coverage Types

Liability Protection

Liability protection prevents legal expenses from spiraling out of control and handles costs associated with repairing a vehicle or property. For instance, your liability insurance will protect you if you drive your recreational vehicle and hit another motorist’s vehicle.

Loss Of Use

Your recreational vehicle insurance policy may cover loss of use. This coverage applies to any damage that makes your vehicle inoperable. It will pay for vehicle repairs and may also cover the cost of purchasing a replacement RV.

Exclusions

Improper Care

Maintaining your recreational vehicle is your responsibility. If you fail to take care of your vehicle, the damage it endures will not be covered by your recreational insurance policy.

Any incidents that happen will need to be assessed during the claims process. If an insurance adjuster determines that damage occurred due to the failure to maintain your RV, your insurance claim will be denied.

Standard Wear and Tear

Your RV will undergo standard wear and tear. If you use your vehicle frequently, parts may break prematurely. In spite of this, you cannot expect your RV insurance policy to handle the cost of replacing any damaged items. Your insurance policy will not cover mechanical parts that break down from normal use.

Contact Greater Tulsa Insurance Inc.

Please schedule an appointment with one of our Greater Tulsa Insurance Inc. representatives. An agent serving the Tulsa, OK, region will provide additional information about RV insurance exclusions.

What You Should Know About Motorcycle Insurance

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Purchasing a bike is exciting. Not only are bikes an excellent vehicle to own, but they also present a really affordable way to travel. You need to be adequately insured to get the most out of your new motorcycle. Here at Greater Tulsa Insurance Inc., serving Tulsa, OK, and the surrounding areas, we want to help educate you on this important topic.

Required By Law

The first thing you need to know is that motorcycle insurance is required by law in order to operate the bike on the roads. A motorcycle is considered a street-legal vehicle, so the same insurance laws apply to other vehicles. You could face citations and other legal consequences if you fail to keep adequate insurance on your bike.

Investment Protection

You’ve invested money into your motorcycle purchase, and the best way to protect that investment is by purchasing the right insurance coverage. If your bike is damaged, lost, or stolen, and you don’t have insurance, the expense of repairing or replacing the bike will come out of your pocket. This could pose a financial difficulty for you. The best way to protect your investment is through a solid insurance policy.

Safe For Other Drivers

When all drivers have adequate insurance on their vehicles, the roads are safer for everyone. Although insurance can’t stop an accident from happening, it can protect every driver involved from the extreme expenses that accidents can create. This way, everyone has the peace of mind of knowing they can take care of these expenses without falling into financial ruin.

If you’d like to learn more about motorcycle insurance, please get in touch with us at Greater Tulsa Insurance Inc. in Tulsa, OK. 

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