Category: Motor Home Insurance

Most people don’t use their motorhomes year-round and typically enjoy them during the summer but store them in the winter. Since you’re not using the vehicle during that time, you may be tempted to cancel your insurance policy until you’re ready to hit the road again. However, you’re responsible for your vehicle at all times, and if it incurs damage while it’s stored away, it could cost you greatly.

Motorhome Insurance for a Stored Vehicle

So, is it necessary to keep your insurance during the off-season? The answer varies, depending on where you’re storing the vehicle, the type of vehicle, and your location. For example, if you live in an area prone to natural disasters, your vehicle will be more likely to get damaged. While it’s your decision, you should consider the risks of stopping your coverage.

Unforeseen Damages

You can’t control theft or vandalism that could occur even in a secure storage facility. Additionally, the damage could happen due to it sitting there, undriven, for months. You may only know there are issues with your motorhome once you’re ready to use it again, and without insurance, you’re the one covering the bill. Outdoor storage also poses risks, as your motorhome is exposed to potential catastrophes like flooding, falling trees or branches, hail damage, etc., which are unavoidable. 

Looking for Comprehensive Motorhome Insurance Options in Oklahoma?

You don’t need to make these decisions alone. Insurance Source Solutions can guide you through the entire process, helping you determine the type of insurance you require while your motorhome is in storage and explaining Oklahoma-specific rules and regulations.

Learn more about insurance options for your stored motorhome by calling Insurance Source Solutions today.

National parks are also home to some of America’s most iconic landmarks and historical sites. If you’re looking for an unforgettable road trip experience, consider taking your motorhome to one of America’s national parks. There are dozens of them to choose from, each with its own unique charms and attractions. Insurance Source Solutions, serving the residents of Oklahoma with motorhome insurance, is happy to assist with guidance on making the most out of your trip. 

Here are a few tips to help make your visit go smoothly:

1. Choose a national park that interests you and research the best places to stay in a motorhome within that park. Some popular options include campgrounds and RV parks, which typically offer easy access to hiking trails, picnic areas, and other outdoor activities.

2. Once you have chosen your destination, be sure to reserve a spot at the campground or RV park well in advance, as these popular destinations can fill up quickly.

3. Before you set out on your trip, plan your route carefully and make sure you have enough gas to last the journey. You will also want to pack all of your camping gear, including a tent, sleeping bags, cooking supplies, and food. You may also want to bring along a few extra supplies, such as an emergency kit and first aid kit, just in case.

4. When you arrive at your destination, take some time to explore the park and familiarize yourself with the rules and regulations for motorhomes and other types of vehicles. Some parks only allow motorhomes with a tent on top, while others restrict the size of your vehicle or how far off-road you can go.

Get Motorhome Insurance Today

Before your trip, make sure to get coverage for your motorhome. For more motorhome vacation tips, call Insurance Source Solutions today. We proudly serve the state of Oklahoma.

Motorhome insurance is vital in Oklahoma for several reasons. It’s also essential to have the right type and amount of coverage. Learn more about why motorhome insurance is necessary for Oklahoma and what kind of coverage you should consider.

Motorhome Insurance is Required in Oklahoma

Did you know that motorhome insurance is required in Oklahoma? That’s right. If you own a motorhome or are thinking about purchasing one, you’ll need to make sure you have the proper insurance coverage. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

Why is motorhome insurance required in Oklahoma? There are a few reasons. First, it protects other drivers on the road. If you’re in an accident, your motorhome insurance will help pay for any damages you cause.

Second, it protects you and your family. If you’re in an accident, your motorhome insurance will help pay for any injuries or damages you sustain. Finally, it protects your investment. Your motorhome is an enormous investment, and you want to make sure it’s adequately protected in case of an accident or other unforeseen event.

What Options Are Available?

There are a variety of motorhome insurance options available in Oklahoma. Depending on your needs, you can choose from liability-only coverage to full coverage. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

Liability-Only Coverage

Liability-only coverage is the most basic type of motorhome insurance. It will protect other drivers on the road if you’re in an accident. However, it won’t cover any damages to your motorhome or injuries you sustain.

Full Coverage

Full coverage is the most comprehensive type of motorhome insurance. It will protect other drivers on the road if you’re in an accident. It will also cover damages to your motorhome and injuries you sustain.

Motorhome insurance is essential in Oklahoma. Your broker with Insurance Source Solutions can help you find the right policy for your needs.

When you have a motorhome in Oklahoma, you have additional worries when you are on the road. Your minimum motorhome insurance requirements will cover you for liabilities, but you may want to have more coverage.

There are motorhome insurance add-ons that you can get to cover you for every potential risk when you are enjoying life’s adventures. At Insurance Source Solutions, we can help you design or update your motorhome insurance policy to make sure that you have every coverage that you need. 

Learn more about those add-ons here.

Total Loss Replacement Coverage

If there is damage to your motorhome that results in a total loss outcome, you can make a claim with a total loss replacement coverage rider on your policy. When anything such as theft, weather, or fire totals your motorhome, this coverage will help you to replace it. 

With your agent, you will determine the coverage, whether that is actual value or replacement cost. With actual value, depreciation will be considered when you make your claim. Replacement cost coverage provides a motorhome that is comparable to the one that was written off.

Campsite Coverage

When there is a problem with the vacation location that you have chosen, you can make a claim. This kind of problem is for coverage such as inclement weather destroying a campsite, or fire, or other such damage that could ruin a vacation. We want you to be sure that you will be protected against financial loss.

Roadside Assistance

When you have a breakdown on the road with your motorhome, it is going to create a horrifying memory for your life. That’s not going to be the case, as much, if you have roadside assistance. When you are getting the motorhome ready for the trip, make sure that you have this.

Get a Quote

These are just a few of the add-ons available for motorhome insurance in Oklahoma. At Insurance Source Solutions, we want to make sure you are covered for every potential risk on the roads when you are living the dream. Call us for a quote today.

With over 18,000 registered motorhomes, many residents in Oklahoma use RVs and similar vehicles for various reasons. But whether it’s for lodging or exploring the beautiful sceneries of Oklahoma, getting motorhome insurance must be high up on your priority list. 

Motorhome Insurance in Oklahoma

When you set out in your RV, you want to ensure that your invaluable asset is well-protected with the relevant insurance. While your motorhome is a type of vehicle, it doesn’t fall under auto insurance. That said, you need to get the right motorhome insurance. 

Is motorhome insurance mandatory in Virginia? Yes. Just like your vehicle, Oklahoma State requires you to obtain motorhome insurance with the below minimum coverages. 

• Property damage coverage: Pays for third-party losses when you are at fault. The state requires you to carry a minimum of $25,000 for property damage coverage.
• Bodily injury protection: Because accidents can’t be prevented entirely, this coverage covers medical expenses of accident-related injuries sustained by others where you are at fault. The state requires you to carry a minimum limit of $50,000 per accident involving multiple persons and $25,000 per person in one accident.

Are there other motorhome insurance options in Oklahoma?

Remember, the state’s minimum coverage requirements are just minimums. They won’t protect your motorhome from other perils like theft, vandalism, fire, and select natural disasters. In light of this, when you partner with Insurance Source Solutions, we will offer you the below motorhome insurance options for proper coverage:

• Collision coverage to cover damages when your motorhome is involved in an accident
• Comprehensive coverage to protect your RV against theft, fire, vandalism, and so forth
• Roadside assistance to bail you when your motorhome is disabled
• Full-timer coverage if you reside in your RV all year round
• Personal effect coverage to protect your personal belongings from theft, fire, and other perils stated in your policy

Motorhome Insurance in Oklahoma 

Because motorhome insurance agents are hard to come by, at Insurance Source Solutions based in Oklahoma, we ensure that you don’t have to hassle when shopping for motorhome insurance. Call us today, and our team will help you get the right insurance coverage for your motorhome. You know about motorhomes and open roads, but we know insurance.