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

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Oklahoma Insurance Blog

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.

Flood Insurance Claims: Navigating the Process After Disaster Strikes

Experiencing a flood can be a distressing and overwhelming ordeal in and around Tulsa, OK. In such moments, clearly understanding the flood insurance claims process can alleviate stress and help expedite the recovery journey. 

Flood Insurance Claims

Step 1: Assess and Document the Damage

The first crucial step is to assess the extent of the damage caused by the flood. Take photographs or videos of all affected areas, including structural damage, personal belongings, and visible water levels. Detailed documentation is vital in substantiating your claim.

Step 2: Contact Your Insurance Provider

Promptly contact your flood insurance provider to initiate the claims process. The sooner you inform them, the quicker the assessment can begin. Be prepared to provide essential information, such as your policy number, contact details, and the date of the flood event.

Step 3: Schedule a Claims Adjuster Visit

An adjuster will be assigned to assess the damage in person. Their role is to evaluate the extent of the loss and determine the coverage applicable to your policy. Walk them through your property during the visit, highlighting the damage documented.

Step 4: Document Your Conversation

During the adjuster’s visit, take notes and document the details of your conversation. Record their observations, assessments, and any recommendations.

Step 5: Provide Documentation

Your flood insurance provider will require specific documentation to process your claim. This may include your policy information, a detailed list of damaged items, repair estimates, and other relevant documentation. Make sure to organize and submit these materials promptly. The timeline for receiving compensation can vary, but your insurance company will communicate the timeframe.

Greater Tulsa Insurance Inc. Can Help You

At Greater Tulsa Insurance Inc., we can answer all your questions concerning flood insurance. We assist the Tulsa, OK region. Contact us today.

Tips for dealing with difficult tenants

If you’re a landlord here in the Tulsa, OK area, chances are you’ve had to deal with difficult tenants at some point. While it can be frustrating and stressful, there are ways to handle the situation in an effective and professional manner. Here are a few tips from us at Greater Tulsa Insurance Inc. for dealing with difficult tenants.

Dealing with difficult tenants

1. Communicate clearly:

Open communication is key when dealing with difficult tenants. Make sure to clearly explain your expectations and provide feedback if they violate any of your rules or policies. This will help avoid confusion and prevent further issues down the line. 

2. Be understanding:

Difficult tenants may have legitimate issues that need addressing, so be sure to consider their point of view before making any decisions or judgments about them as people. If possible, try to empathize and listen to their complaints without immediately getting angry or defensive.

3. Follow the law:

When it comes to tenant-landlord disputes, make sure you know your local laws regarding eviction and other legal matters related to tenant/landlord relationships. This will help protect your rights as well as those of your tenant in case things get out of hand or a legal dispute arises. 

4. Stay organized:

Keep track of all tenant interactions (including phone calls and emails) in addition to paperwork such as rental agreement contracts or maintenance requests from the tenant themselves. Having everything documented will help in case any disputes arise later on that require evidence of previous communications between both parties involved. 

We Can Help!

For more tips or information on a landlord’s insurance policy, give us at Greater Tulsa Insurance Inc. a call today. We are proud to serve the Tulsa, OK area and would be happy to help you find the right policy.

Do I Really Need Recreational Insurance to Have a Good Vacation?

Yes, you do! If you have an adventurous family, your weekends may include spending time on recreational vehicles. Whether you go to Yahola Lake to waterski or ride ATVs and snowmobiles to blaze new trails, it’s important to cover your vehicles. So, before you get in the RV for your summer vacation, find out how Greater Tulsa Insurance Inc. in Tulsa, OK can help you snare the best policy for your toys. 

Why You Need Recreational Insurance

To have a great vacation, you have to leave the stress and worry behind. With the right recreational insurance, you can live your best life knowing your watercraft, RV, ATV, or other recreational equipment is covered by great insurance.

Along with responsible ownership, recreational insurance is the best way to keep your family’s prize possessions available and ready for action. Speak to a knowledgeable agent today for insights and advice on the most affordable way to get comprehensive coverage that suits your active lifestyle. 

Types of Recreational Insurance

On the road, off the road, and on the water, you need reliable insurance in case something unforeseen damages your recreational equipment. Here are some of the most popular coverage types to give you peace of mind while you’re on vacation. However, we can help you cover more unusual equipment as well. 

Marine Insurance Coverage

Personal watercraft like Jet Skis and WaveRunners are fast and fun. Cover these vehicles with marine insurance to protect your financial investment.

Insurance for Off-Road Vehicles

Do you love to get around on snowmobiles, dune buggies, ATVs, and golf carts? These convenient vehicles require unique insurance coverage. Let our agents help you cover your vehicles to suit your lifestyle or transportation needs.

Motor Home Coverage

Driving an RV allows you to rest your head in your own home every night. However, your auto policy might not fully cover your RV for all on-road and off-road damages. 

Travel Trailer and Fifth Wheel Insurance

Coverage for travel trailers and fifth-wheel trailers can be written for seasonal or permanent coverage. 

We Are Here to Help

Contact Greater Tulsa Insurance Inc. in Tulsa, OK to set up an appointment for a free recreational insurance quote today!

The 5 Things Renters Insurance Helps Protect

If you’re looking for renters insurance, or if you already have a policy and you’re considering updating or changing it, working with Greater Tulsa Insurance Inc. can help. We serve the Tulsa, OK area to provide residents with the policies and coverage options they need. Renters’ insurance can give you protection, but it can also help with your peace of mind.

Understanding what a renters policy covers and what it doesn’t is the place to start. You should be comfortable with the coverage you’re choosing, and that’s much easier when you have all the information you need to make a knowledgeable decision.

Working with an agent can help you choose wisely.

Renters insurance is designed to help you protect:

  1. Your clothes and accessories: renters policies cover your personal belongings
  2. Your furniture: standard furniture coverage is part of the policy
  3. Any valuable personal items: you can get coverage for heirlooms, pianos, and other special property
  4. Your ability to rent: many landlords require you to have renters insurance
  5. Your peace of mind: knowing your property is protected is very valuable

Even if your landlord doesn’t require you to get renters insurance, it’s a good idea to make sure you have it. Your property deserves protection, and the landlord’s coverage on the structure won’t cover anything you have as a renter of the property. Unfortunately, renters can lose everything they own to fires or other serious issues if they incorrectly assume that the coverage on the property includes what they brought with them.

We Are Here To Help

Reach out to Greater Tulsa Insurance Inc. today if you’re in the Tulsa, OK area and in need of renters insurance. Our agents know the value of protecting what’s yours and want to make sure you have the right coverage. We can review your current policy to make changes or help you get a new policy that meets your needs.

Upgrading Your RV: How Changes Impact Your Insurance

For RV enthusiasts in Tulsa, OK, upgrading or modifying your recreational vehicle can enhance your travel experience and make your journeys even more enjoyable. However, it’s essential to understand how these changes can impact your insurance coverage.

The importance of updating your policies to ensure continuous protection for your RV:

Adding new features or equipment:

Upgrading your RV with new amenities, such as a satellite system, solar panels, or additional electronics, increases its value. As a result, you may need to adjust your insurance policy to cover the increased value and ensure you’re adequately protected.

Altering the RV’s structure:

Structural modifications, such as adding slide-outs, extending the length, or altering the interior layout, can also affect insurance coverage. These changes may require a policy update to reflect the updated value and potential risk factors.

Performance upgrades:

Enhancements that improve your RV’s performance, such as engine upgrades or suspension modifications, can impact your insurance rates. In some cases, these changes may result in higher premiums due to increased risk, while in others, they could lead to potential discounts if they improve safety.

Custom paint or graphics:

If you decide to invest in a custom paint job or add unique graphics to your RV, it’s essential to update your policy to cover the increased value of your vehicle.

Looking for RV Insurance in Tulsa, OK?

To ensure that your RV remains protected after upgrades or modifications, it’s crucial to work with an experienced insurance agency like Greater Tulsa Insurance Inc. Our knowledgeable team can help you review your existing policy and make any necessary adjustments to accommodate the changes to your RV. Contact Greater Tulsa Insurance Inc. today to talk about your insurance options and make sure your RV remains protected, no matter where your travels take you.

What Is the Difference Between Liability and Comprehensive Motorcycle Insurance?

Tulsa, OK has a thriving motorcycling community thanks to the easy access it offers to numerous outstanding riding routes. If you enjoy want to keep enjoying your motorcycle and protect your investment in it, it’s critical that you insure it sufficiently. As you have been shopping for the right insurance for your motorbike, you have likely come across suggestions that you should get either liability or comprehensive insurance. Some “self-appointed” gurus might have even suggested that they are similar. 

Well, we at Greater Tulsa Insurance Inc. are insurance pundits with years of experience in the field. We can tell you that liability and comprehensive motorcycle insurance are very different.

Let’s explore their differences: 

Firstly, the liability motorcycle policy covers damage your bike can do to other vehicles in case of a crash. It doesn’t cover any damage to your motorbike during the accident. 

On the other hand, comprehensive insurance offers greater coverage than liability insurance. It covers damage to your motorbike and other vehicles during an accident. It also protects your bike from damage by natural elements such as storms and wildfires. Keep in mind that liability insurance offers no coverage for natural elements. 

You should know that most comprehensive motorcycle coverages have a deductible. Therefore, you must cater for a designated amount of damage out of pocket. The amount of deductible you opt to pay will impact your comprehensive policy premiums. If you have higher insurance deductibles, you will have lower premiums and vice visa. In contrast, most motorcycle liability insurance policies don’t feature deductibles. 

Reach Out To Us

Need unrivaled motorcycle insurance offering in Tulsa, OK? Welcome to Greater Tulsa Insurance Inc. – our reputable insurance gurus are ready to help you pick the best insurance protection for your bike. Contact us today for more ins and outs of motorcycle insurance.

Why You Should Have Boat Insurance

Every boater should have boat insurance, even when it isn’t required of them. In Oklahoma, boat insurance isn’t required by law, but it’s important to have it to protect you financially. Boat insurance can help you in the event of an accident or other incident that causes damages that you have to pay for. When you own a boat, call us at Greater Tulsa Insurance Inc. in Tulsa, OK to get your boat insured with a boat policy.

Why Boat Insurance

Accidents and Other Incidents

Like vehicles on land, vehicles in the water can have accidents. They can collide with each other or into property like docks. These accidents can mean that you are liable for the cost of the damages done to other property or to people who need medical attention as a result of the accident. If this happens to you and your boat, it could mean owing thousands for damages. If the accident is judged to be your fault, you would have to come up with all of the money yourself if you aren’t insured. It’s always best to be insured just in case. 

Types of Coverage

Boat insurance coverage types are much like auto insurance coverage. There are a number of different types, and you can choose the types that you want on your policy. It’s important to at least have liability coverage that pays for someone else’s damages when you are at fault. This can save you an enormous amount of money. You might also want to get comprehensive coverage. This is a type that pays for a number of different risks that can happen to your boat when it isn’t out on the water. 

Get Boat Insurance Today

Don’t go on the water without boat insurance. To get started, call us at Greater Tulsa Insurance Inc. serving the greater Tulsa, OK region.

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