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

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Oklahoma Insurance Blog

Recreational Vehicle Insurance Exclusions

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.


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

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. 

Why should I invest in a full boat/watercraft insurance plan in Oklahoma?

If you are in the Tulsa, OK area, you will likely want to find ways to beat the heat and enjoy the warm summer months. Investing in and owning a boat is a great way to have fun here. For those living in this part of Oklahoma, there are a lot of factors to consider when shopping for a boat. One part of this is ensuring you have proper insurance. You will need to have a boat/watercraft insurance plan in this region for various reasons. 

Insurance Covers Watercraft

A great reason to ensure you have boat or watercraft insurance is that it will help to cover the asset. When you invest in a significant asset, you need to know that you have support to replace or repair it in some situations. With the right insurance, you will have this support if the boat is stolen or damaged in any accident. 

Liability Insurance Coverage

Possibly, even more importantly, you will get liability coverage when operating the boat. There is always a chance an accident could occur when you are using a boat. When you have the right insurance, you can get the support you need if you are found liable for an accident when using the boat and need to cover any damages. 

You should always have insurance for your most valuable assets in the Tulsa, OK, area. This includes getting insurance for your boat or other watercraft. When you want this type of insurance here, you can help yourself by calling our team at Greater Tulsa Insurance Inc. Our team at Greater Tulsa Insurance Inc. knows the value of this coverage and can offer the guidance necessary to build a new plan. 

How Flood Insurance Protects You Financially

As a homeowner in Tulsa, OK, it’s critical to have two distinct policies for complete financial protection: Home Insurance and Flood Insurance. If you lack either, your home risks exposure to significant damage, potentially leading to a complete loss. Greater Tulsa Insurance Inc. is here to ensure you balance your priorities with the right insurance policies. Let’s delve into the importance of Flood Insurance.

Understanding Flood Coverage

Homeowners sometimes neglect flood insurance, assuming that their home insurance policy would cover flood-induced damages. However, most home insurance policies specifically exclude floods. Without flood insurance, you lack any guarantee of coverage against flood-related damages. You need to procure a flood insurance policy to protect against this specific type of disaster. Backed by the National Flood Insurance Program, these flood policies provide reliable coverage, reducing your worry about potential financial losses.

Analyzing Flood Claims

If you reside outside a flood zone, you may question the necessity of Flood Insurance. After all, insurance against floods is only required for residents within flood zones. Yet, a surprising 20% of claims for flood damage originate from areas outside flood zones. When a flood occurs, you must be prepared and hold coverage to fund the necessary repairs – regardless of location. Flood Insurance gives you this layer of protection, whether mandatory or not.

Greater Tulsa Insurance Inc. is here to assist if you need to secure flood coverage for your home. Give us a call, and we’ll be ready to serve you.

Landlord Insurance for Short-Term Rentals

The Need for Landlord Insurance for Short-term Rentals

If you’re renting on platforms like VRBO, Airbnb, HomeAway, or others, it’s highly probable that you need some form of landlord insurance in addition to your homeowners’ coverage. Here’s how we at Greater Tulsa Insurance Inc., catering to Tulsa, OK, and neighboring communities, break down the reasons why.

Landlord Insurance vs Homeowner’s Policy

The key distinction between these two is that landlord insurance covers your property against damages when occupied by a renter, while your homeowner’s policy only covers damages when you, the homeowner, are residing there.

When you lend your home, even for just a night or two, it is classified as a commercial property. Without landlord insurance or an additional rider on your homeowner’s policy for an extra premium, you stand unprotected against damages to your home during the rental period.

If your guest wreaks destruction in your home, only landlord insurance will bail you out.

Simplifying Property Protection for Short-Term Rentals

We at Greater Tulsa Insurance would like to remind our clients that while insurance is crucial if you’re running a short-term rental, you need not jump a lot of hoops to get it. We can simplify the process to get you the coverage you need.

Depending on the situation, Greater Tulsa Insurance Inc. can often consolidate an "Airbnb rider" or similar coverage update with existing homeowner policies for customers in the wider Tulsa, OK, area. Following any casualty caused by your guests, you can file claims the same way you’d report any other casualty to your home.

A separate landlord insurance policy might better serve your needs in other scenarios. Schedule time to speak with a Greater Tulsa Insurance Inc. agent to find the right insurance for all your home

Tips for Insuring Your Hobby

 At Greater Tulsa Insurance Inc., we understand that your hobbies are more than just pastimes – they’re a part of who you are. Whether it’s photography, collecting, or any other passion, ensuring they are protected is crucial. Let’s explore some key tips to keep your hobbies secure, without breaking the bank.

Understand Your Coverage Needs

Every hobby is unique, and so are its insurance needs. It’s vital to understand what’s covered under your current policy and where additional coverage might be necessary. 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 in determining the right amount of coverage, and in case of a claim, ensure you receive the appropriate value.

Consider Specialized Insurance Options

Depending on your hobby, specialized insurance options in Tulsa, OK might be available. These policies are tailored to specific needs, offering 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; we’re your neighbors and fellow hobby enthusiasts! Let’s ensure together that your hobbies are safeguarded.

I Rent a Condo: What Type of Insurance Do I Need?

You’re about to move into a condo building in Tulsa, OK, and the building management has told you that you must get insurance before taking possession of the unit. You don’t own the condo but are merely renting it. What type of policy should you get? Ask the agents at Greater Tulsa Insurance Inc. for advice on buying the right policy.

Condo or Renter’s Insurance?

In the simplest terms, if you rent the space where you live, renter’s insurance is what you should buy. The two types of insurance are similar, but condo insurance covers the dwelling structure, whereas renter’s insurance does not. If something happens to the dwelling structure, the condo building’s master policy covers damage, as well as a separate policy the condo owner has. Nevertheless, if you rent a condo, you are still liable for any mishaps that occur inside the unit.

Why You Still Need Renter’s Insurance

Even though the condo owner will have an insurance policy that covers the unit where you live, it may not provide coverage for your personal belongings. Renter’s insurance will compensate for your belongings if a fire, theft, or other covered incident occurs.  You may also buy a policy that pays for temporary lodgings if your unit becomes uninhabitable.  If an accident happens inside your condo and someone is injured, you may also be liable for the injuries. Renter’s insurance will protect you in such instances.

Buying renter’s insurance is easier than it sounds. The amount of insurance you need is primarily based on the worth of your personal belongings, such as clothes, furniture, electronics, etc. If you are wondering how much you need, contact Greater Tulsa Insurance Inc., serving the greater Tulsa, OK community, to get started on a renter’s insurance policy that covers your needs.

I only drive my RV once a year. Do I need insurance?

There are a wide variety of recreational vehicles. Some are motorized; some aren’t. However, only motorized RVs require insurance because they are actually houses on wheels. Motorized RVs are similar to cars because they can be driven on streets and highways. All states require motorized vehicles to carry liability insurance. Greater Tulsa Insurance Inc. is dedicated to helping Tulsa, OK RV owners get the insurance coverage they need.

What is RV Insurance?

RV insurance is designed to protect your RV, other drivers, and you in the event of an accident or wreck, just like conventional auto insurance. However, RV insurance, like car insurance, has different coverage levels. Liability coverage will only cover damage to other people’s property, vehicles, and injuries if you cause physical harm or damage during a wreck. Motor home insurance is similar to auto insurance in that state laws require motor homeowners to carry liability insurance. This coverage pays for accidents that you are responsible for causing or deemed at fault. However, it’s possible that you may be required to carry more than liability coverage if you are financing your RV. Lenders usually require more than liability coverage until your loan is paid in full. 

I only drive my RV once a year. Do I need insurance?

Yes. If you own a motorized RV or motor home, you’re legally required to carry liability insurance. However, you may have to carry more if you finance your RV. This requirement is usually part of a loan agreement, not a state requirement. Auto liability coverage is a state requirement, however. If you have more questions about RV insurance, we’d be happy to answer them. Call us at Greater Tulsa Insurance Inc. in Tulsa, OK.  

What Everyone Should Know About Motorcycle Insurance

Insurance policies and coverage options are likely the last thing you want to think about when it comes to enjoying your bike. In fact, it can be so overwhelming and seem so unnecessary that you may feel that you don’t need it. That being said, nearly every state requires a minimum amount of coverage though the specific requirements may vary greatly. Fortunately, Greater Tulsa Insurance Inc. can help motorcycle owners in Tulsa, OK navigate the legal requirements as well as the financial impacts of choosing the right insurance policy.

Below are a few things you should keep in mind:

It Covers More Than Just Your Motorcycle

Insurance can help you cover more than just the repairs to your bike after an accident. Certain policies can assist with medical bills – for you and your passenger – as well as the cost of repairs to someone else’s property. Some plans even offer roadside assistance and rental coverage in the event your motorcycle breaks down on a trip.

You Should Have It Even If You Don’t Ride Often

No matter if you ride a couple of times a year or use your bike as your main mode of transportation, accidents happen. Whether they are caused by you or someone else, the last thing you want is to be left responsible for the full cost of repairs and medical expenses. Motorcycle insurance can assist with these expenses, protecting your personal finances along the way.

Protect Your Motorcycle With Help From Greater Tulsa Insurance Inc.

If you need help finding the right coverage at a price you can afford, contact the team here at Greater Tulsa Insurance Inc. today. We’ll help you find the best policy options in Tulsa, OK so that you can focus on the ride. Contact us today to get started!

Do You Need Boat Insurance In the Winter Months?

Taking your boat out on the waterways can be one of the most enjoyable things you’ll do in the summer. But what about in the winter months? That’s the time when you store your boat, and you want to make sure it’s still protected. If you’re in the Tulsa, OK area, reaching out to Greater Tulsa Insurance Inc. can help you decide whether to change, cancel, or adjust your current boat insurance policy while your boat isn’t in the water.

Boat Insurance In Winter 

Keep in mind, if you’re thinking about canceling your coverage during the winter months, that your insurance policy isn’t just to protect your vessel and its passengers out on the water. You may also have coverage that protects you from loss due to theft or other types of damage. You don’t want to lose that protection during the wintertime, especially if you store your boat out in the open or in a storage facility instead of at your home.

Rather than assume coverage isn’t needed when you’re not actively using your boat, talk with an agent about the insurance options you have. It may be possible to adjust your coverage during winter, or it might be easier and safer to simply keep the policy you currently have. Either way, though, you want to make sure you know the details. The best way to do that is through working with a trusted professional to get all the information you need.

We Are Here To Help

If you’re in the Tulsa, OK area, get in touch with us at Greater Tulsa Insurance Inc. and let us help you find the right boat insurance for your needs. Whether you just got a boat and are looking for the right way to protect it, or you’re thinking about adjusting coverage for winter, we can help you make the right choice for your situation and goals.

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