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Oklahoma Insurance Blog

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

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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

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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

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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?

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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

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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.

The Basics of Flood Insurance

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If you are a homeowner in Tulsa, OK, you may have heard of flood insurance and wonder if it’s something you should consider. Flood insurance helps protect your property against the financial losses resulting from flooding.

Here’s what you need to know in Oklahoma:

What Is Flood Insurance? 

Flood insurance protects your home or business from damage caused by flooding due to heavy rainfall, storms, hurricanes, or other covered disasters. It covers the cost to repair or replace damaged property (including personal possessions like furniture) and provides you with additional living expenses if your home becomes uninhabitable due to flooding. 

Do I Need Flood Insurance? 

Whether or not you need flood insurance depends on your geographic location and the likelihood of flooding in your area. Contact a Greater Tulsa Insurance Inc expert is the best way to determine if you need flood insurance. We can help you assess the risk of flooding in your area and determine if purchasing a policy would benefit you.  

Understanding Coverage 

When considering purchasing a flood insurance policy, it’s essential to understand what types of coverage are available and how much coverage is necessary for your particular situation.

Typically, there are two types of coverage: Building property coverage and personal property coverage.

Building Property Coverage

This type of coverage helps with repairs and replacement of your existing home and other structures like garages or gazebos.

Personal Property Coverage

It includes coverage for items like furniture, clothing, and appliances damaged due to flooding.

Contact Us Today

Understanding and having access to flood insurance can help alleviate some of the financial burdens of unexpected floods. If you’re a homeowner in Tulsa OK, and want more information about flood insurance options available through Greater Tulsa Insurance Inc., reach out to us today!

How Does Landlord Insurance Differ From Home Insurance?

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If you have purchased investment properties that you plan on renting out, you may learn that you do not need home insurance on the property. Instead, you need a type of insurance product referred to as landlord insurance. If this is your first time purchasing an investment home, you may find yourself wondering what the differences between home insurance and landlord insurance are.

Our team of insurance experts at Greater Tulsa Insurance Inc., serving the greater Tulsa, OK area, explains how landlord insurance differs from home insurance. 

How Does Landlord Insurance Differ From Home Insurance?

Landlord and home insurance are very similar to each other. They both cover the main structure of your home, such as protecting the roof in a hail storm or paying for damage caused by a burst pipe. However, the major difference between landlord insurance and home insurance is what belongings are covered inside of the home.

Home insurance covers all of your belongings, such as furniture, clothing, jewelry, and art. Landlord insurance does not. This type of policy may cover large items that are found in your rental home, such as your appliances, but that is all that the policy covers. A renter will need to purchase renters insurance to ensure their belongings are covered in the event of a fire, theft, or other unexpected events. 

Contact Us Today

Landlord insurance is similar to home insurance, but it is not exactly the same. If you are looking to rent out your home and no longer live in it yourself, you need to purchase landlord insurance rather than home insurance. The team at Greater Tulsa Insurance Inc., serving the greater Tulsa, OK region, can help you with all of your insurance needs. Reach out to us today to obtain an estimate for a landlord insurance policy. 

3 mistakes you don’t want to make when you purchase recreational insurance

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At Greater Tulsa Insurance Inc., our insurance company offers recreational insurance. We can provide recreational insurance coverage to owners of recreational vehicles who are located in Tulsa, OK. 

When you purchase recreational insurance, it’s important that you avoid a few common mistakes.

Here are three mistakes you don’t want to make when you purchase recreational insurance:

Failing to purchase as much recreational insurance as you should

You don’t necessarily have enough recreational insurance just because you’re meeting liability requirements to drive on public roadways.

If you really want to protect yourself financially, you should purchase additional coverage to avoid financial loss in the event of a bad accident. 

Being unaware of discounts that are available to you when you purchase recreational insurance

There are quite a few different types of discounts that are frequently offered by insurance providers that sell recreational insurance.

You may be eligible for a discount if you pay for your entire insurance premium upfront rather than monthly. You also may be eligible for discounts if you have a spotless driving record or if you are the original owner of your recreational vehicle. 

Getting a quote from only one insurance provider before purchasing a recreational insurance policy

It’s never a good idea to purchase a recreational insurance policy from the first company you get a quote from. Consult numerous insurance providers and get quotes from them before choosing so that you know you’re getting competitive rates. 

Give Us A Call

When you’re in the process of purchasing recreational insurance, you might have a lot of questions about your options. When you’re looking for answers to your insurance questions, you can get in touch with us at Greater Tulsa Insurance Inc. We’re here to answer your questions about recreational insurance in Tulsa, OK. Get a quote on one of our policies today!

 

Does Renters Insurance Cover My MacBook?

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At Greater Tulsa Insurance Inc., we believe renters insurance is a great way to protect your belongings and yourself in the event of disaster or theft. But it’s essential that you know what’s covered and what isn’t before you purchase your policy. Greater Tulsa Insurance Inc in Tulsa, OK can help you navigate this important insurance coverage. 

If you’re wondering if renters insurance covers your MacBook, this will help answer that question. 

What is renters insurance?

Renters insurance is a type of policy that provides coverage for the personal belongings you have in your home. If your computer, furniture, and other items were stolen or damaged by fire, renters insurance would help you pay for the loss. However, covering your items doesn’t mean they’re 100% safe from damage.

If you’re wondering what exactly this type of policy won’t cover, there are a few things to keep in mind. Like other types of insurance policies (auto insurance, homeowners’ insurance), there are exclusions on certain kinds of property and losses that could occur. 

In what situations does renters insurance cover my laptop?

All renters should have insurance if they own a Macbook or other laptop. Renters insurance can cover your laptop for theft, so you are covered if someone steals it from you. In the event of a fire or any other covered peril that damages your computer, coverage is available. However, renters insurance won’t cover preventable accidental damage, such as dropping your laptop or spilling water on it. 

Renters should know what’s covered under their policy before they purchase.

When shopping for renters insurance, you must know what your policy covers. This will help you ensure you’re getting the right coverage at an affordable price. Contact our renter’s insurance specialists at Greater Tulsa Insurance Inc in Tulsa, OK if you have questions about your coverage.

Do I need RV insurance for a 5th Wheel?

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Many people use the term RV as a catchall for any kind of home on wheels. However, there are differences. There are many homes on wheels that aren’t motorized. Typically, RVs are motorized, which qualifies them as a vehicle of some kind, requiring insurance similar to car insurance. However, a 5th wheel isn’t motorized and isn’t classified as an RV.

Our Tulsa, OK team at Greater Tulsa Insurance Inc. understands that insurance requirements and differences between various travel trailers can be confusing. We’re here to take the guesswork out of insurance requirements. 

Do I need RV insurance for a 5th Wheel?

A 5th wheel isn’t motorized and isn’t considered an RV. As a result, RV insurance isn’t a requirement if you own a 5th wheel. A 5th wheel is considered a travel trailer because it must be towed and you aren’t required by law to carry insurance on the 5th wheel. However, you may want to anyway. You will need to invest in travel trailer insurance to cover any physical damage. However, keep in mind that travel trailer insurance may not be optional if you’re financing your 5th wheel. Often, a lender will require you to carry insurance for physical damage until your 5th wheel is paid off. 

Get RV Insurance Today

Travel trailers are non-motorized homes on wheels. Only owners of motorized RVs are required to carry liability insurance similar to auto insurance. Technically, an RV is still a vehicle, even though it’s a home on wheels. If you have questions about what kind of insurance would be best for your 5th wheel, call us at Greater Tulsa Insurance Inc. in Tulsa, OK. We can help you explore your options and find the coverage that is best for you.

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