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Oklahoma Insurance Blog

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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.

How Can I Make My Motorcycle Insurance More Affordable?

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Motorcycle insurance can be expensive, especially if you live in a high-risk area. However, there are ways to make it more affordable. 

Here are some tips that can help you save money on your motorcycle insurance policy:

Shop Around

The first step to finding affordable motorcycle insurance is to shop around. There are many different insurers, so you’ll want to compare rates before committing to a policy. You can use an online comparison tool from our website to get quotes from multiple insurers in just minutes.

When you’re comparing rates, be sure to look at more than just the price. You’ll also want to consider the coverage options, deductibles, and discounts that each insurer offers. By doing your research, you can find an affordable policy that still meets your needs.

Maintain a Clean Driving Record

One of the best ways to keep your motorcycle insurance rates low is to maintain a clean driving record. Insurers typically offer lower rates to drivers who have no accidents or traffic violations on their records. Even with violations, talk to a professional agency such as Greater Tulsa Insurance Inc. in Tulsa, OK to see what can be done.

Consider Dropping Collision and Comprehensive Coverage

If you’re looking for ways to save money on your motorcycle insurance, you may want to consider dropping collision and comprehensive coverage. These types of coverage are optional, and they can add a significant amount to your premium. You may not need these types of coverage if you have an older motorcycle.

Take a Motorcycle Safety Class

Taking a motorcycle safety class can also help you save money on your insurance. Many insurers offer discounts to drivers who have completed a motorcycle safety course. These courses teach you how to safely operate a motorcycle and avoid accidents.

Contact Us Today

The best way to make your motorcycle insurance more affordable is to shop around and compare rates. At Greater Tulsa Insurance Inc. in Tulsa, OK, we can help you find the best motorcycle insurance policy for your needs and budget. Give us a call today to get started.

Do I Need Year-Round Boat Insurance?

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If you’re a boat owner in Tulsa, OK, you may wonder if you need to ensure your vessel year-round. The answer depends on a few factors, such as your boat type and how often you use it.

Let’s dive deeper into the subject to help you decide whether to insure your boat year-round.

Is Boat Insurance Required in Oklahoma?

Oklahoma does not require boat owners to have insurance, but if you finance your vessel, your lender will probably require you to have a policy. Even if insurance isn’t needed, it’s still a good idea to have coverage.

If your boat is damaged or stolen, it can help you avoid financial ruin by providing liability and property damage coverage. It can also provide liability coverage if an injury occurs on your boat.

Contact Greater Tulsa Insurance Inc. to speak with a boat insurance agent.

What Kinds of Boat Insurance Coverage are Available?

There are two main types of boat insurance coverage: property damage and liability.

Property damage:

This coverage protects your boat if it’s damaged or stolen, and it can also help pay for repairs if your boat is involved in an accident.

Liability:

This coverage protects you financially if you’re sued for accidentally injuring someone with your boat or if it damages someone else’s property.

Also, remember that you can tailor your policy to suit your needs. For example, you can add extra coverage for certain types of damage or purchase a policy offering higher liability limits.

What Affects the Cost of Boat Insurance?

A few factors can affect the cost of your boat insurance, such as your boat type, the size of your vessel, and where you keep it docked. Other factors impacting your rates include your age, driving record, and boating experience.

Give Us A Call

The best way to get an accurate estimate of your boat insurance costs is to contact Greater Tulsa Insurance Inc. and speak with a boat insurance agent. We can help you find the right policy in Tulsa, OK for your needs and budget.

How Can I Find Out If My Property Is In A High-Risk Area For Flooding?

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The Flood Map Service Center by FEMA displays information like flood zones, floodways, and the risk rating of your home. There’s also information on levees, coastal barriers, the base flood line, and topographical and infrastructure data. For advice in Tulsa, OK, you can contact Greater Tulsa Insurance Inc. 

What to Know About High-Risk Flooding Areas 

Flooding is a problem in all regions, although some are more vulnerable than others. You may face increased insurance rates as well as probable damage to your house depending on the amount of hazard your property faces—low, moderate, or high risk. 

The maps provide a risk assessment based on previous flood occurrences and patterns. Most properties in high-risk flood zones are located near water. Non-flood zones account for more than 20% of flood-related property insurance claims, so no one should believe they’re secure. Flooding may become more prevalent as a result of climate change.

 According to Popular Science, nearly 15 million American properties are in significant danger of flooding in 30 years. More than three million are virtually guaranteed to be submerged during that period. There are various methods for preventing flooding in your home. One of them is to employ a flood sensor. 

These can detect leaks from equipment such as your water heater and washing machine and weather-related basement leaks. You’ll be notified of any unwanted water that appears in your home. Private flood insurance plans are available, but you can also get government-sponsored coverage via the National Flood Insurance Program (NFIP). 

Contact Us Today

Floodplains and flood zone classifications can alter over time due to new buildings and changes in terrain. Make a strategy to examine the flood zone classification of your property every five years or so. 

Keeping track of your flood zone designation helps you prepare for a potential flood and assures you have the correct type and amount of flood insurance at all times. For help, call Greater Tulsa Insurance Inc. in Tulsa, OK.

How Often Should I Review My Life Insurance Coverage?

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Getting life insurance is one of the most intelligent decisions that you can make in your life. However, it’s critical that you regularly review your life insurance. Many Tulsa, OK residents have been asking us – how often should I review my life insurance? We at Greater Tulsa Insurance Inc. advise that you review your life insurance with the help of your insurance agent annually. This will ensure that you have the proper kind and level of coverage to offer maximum protection to your loved ones. If you have permanent life insurance, reviewing your policy at least once a year provides an excellent opportunity to ensure that it’s helping you meet your overall financial goals.

Are There Other Times That It’s Advisable I Review My Life Insurance?

Your life insurance needs are bound to change as your life changes. Therefore, it is good practice to schedule a life insurance review whenever there is a significant event in your life. Some of these major life events are getting married, buying a house, getting divorced, accepting a new job, buying a business, becoming disabled, retiring, refinancing your home, and becoming an empty nester.

One of the most overlooked reasons for planning a life insurance review is undergoing a change in health. If your health starts deteriorating, you should review your life insurance to increase your coverage and consider additional coverage opportunities. On the other hand, if your health improves because you have lost weight, quit smoking, started exercising, or have gotten your blood pressure under control, you can get a better rate. This also applies if you have a risky job like being a roofer or have stopped pursuing a dangerous hobby like mountain climbing.

Do you need exceptional life insurance coverage in Tulsa, OK? At Greater Tulsa Insurance Inc., we are here for you. Contact us today for a personalized life insurance policy. 

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