If you have recently purchased a motorhome, you know how expensive these vehicles can be. The prices of some of the latest models are equivalent to the costs of a small home in Edmond, OK, so it’s imperative that you properly insure your home away from home. Motorhomes come in different sizes, which can affect the insurance premium of the policy you buy from TLC Insurance Associates.
Three Motorhome Classes
Consumers will find three motorhome types: Class A, Class B, and Class C. Class A motorhomes are the largest and can measure up to 75 feet long, sleeping up to eight to 10 people. These are usually luxury vehicles with residential appliances, upgraded flooring and furniture, and ample underbelly storage with considerable water and waste tanks. Weight can range up to 40,000 pounds. Class B vehicles are smaller and more maneuverable. Class B is the smallest, sleeping two to four people. They sometimes have kitchen and small bathroom facilities and are agile enough to fit into regular parking spaces. Class C motorhomes fall in between Class A and B at 20 to 31 feet, weighing 10,000 to 12,000 pounds. These are the most popular motorhome types, typically including a bedroom, shower, kitchen, and convertible dining-sleeping area. They can accommodate up to six people.
Size and Amenities Matter
The larger and more luxurious your motorhome is, the more you’ll have to pay for insurance coverage. Other factors will also impact cost, including the vehicle’s age, amenity types, reimbursement model usage rates, driving record and experience, and prior claim history. Of course, liability options will also have an impact.
TLC Insurance Associates, serving Edmond, OK, can help you select the most appropriate insurance policy and possible add-on coverage for your motorhome. Contact our office today for your appointment.
RV insurance shares some similarities to auto insurance but differs in ways every RV owner needs to understand. We’ll summarize the similarities and differences here. Edmond, OK and surrounding area residents can contact our TLC Insurance Associates team to arrange the RV coverage that suits your situation.
RV and Auto Insurance Compared
Oklahoma law requires automobiles and motorized RVs to carry the same minimum insurance as autos:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property liability per accident
Referred to as 25/50/25, even Oklahoma’s Insurance Department notes that 100/300/100 is the insurance industry recommendation. Of course, the need for increased coverage is particularly the case for RVs because they carry more people and can cause more damage due to their size.
Beyond liability coverage, RV insurance includes or allows for add-ons covering:
- Vacation Liability: Bodily injury and property damage coverage for others in and around your parked motorhome
- Personal property and attachments: Unlike autos, RVs contain household items such as appliances, satellite dishes, and clothing that need separate coverage, especially if you live in your RV full-time.
- HOA fees: Pays when an RV homeowners’ association charges for common area losses.
- Adjacent Structures: Covers carports and decks available in some RV locations
- Roadside assistance: RVs are larger than cars and generally exceed the size covered by auto roadside assistance plans.
- Temporary lodging: Helps pay your living expenses while your RV undergoes repairs.
Working With TLC Insurance Associates
Your team of experts at TLC Insurance Associates in the Edmond, OK area is ready to address your RV or other insurance needs. Give us a call or stop by the office today to ensure your RV has all the coverage needed.
Bikers should do their research and find quality insurance coverage. At TLC Insurance Associates, we can offer you a policy that will meet your motorcycle insurance needs in Edmond, OK.
The following are four ways to make it easier to get the motorcycle insurance you need:
Having a flawless driving record
The better your driving record is, the easier it will be to get a great deal on motorcycle insurance. Remember that your driving record in your car is just as important as your driving record on your bike as far as your motorcycle insurance provider is concerned.
You need to compare options from different providers. If you have never had auto or motorcycle insurance before, you might find that some insurance providers won’t insure you. However, you should be able to find a policy that you’ll be approved for if you shop around.
Investing in safety features for your bike
The safer your bike is, the better you look as a policyholder. Investing in safety features like anti-theft devices could improve your prospects when you’re on the market for motorcycle insurance.
Having good credit
You might be surprised to learn that insurance providers look at your credit score when they’re evaluating you as a policyholder. Putting some effort into paying down your debt and improving your credit is a good idea when you’re on the market for any type of insurance.
You’ll be more attractive to insurance providers if you have a good credit score that shows that you’re on top of your finances and that you’ll be a reliable customer.
Schedule A Consultation Today
Insure your bike in Edmond, OK with TLC Insurance Associates. Call or go online to get a quote on a policy that will meet your needs as a motorcycle owner.
TLC Insurance Associates wants its customers to choose the right insurance so their finances and health remain protected. That’s why we want to address a common question about boat insurance – whether your Oklahoma boat policy covers you if you navigate into international waters.
International Waters Requires Added Coverage
With the Texas Gulf Coast just a few hours’ drive down I-35, many Oklahoma boat owners head to Texas to explore its coasts. If you navigate into international waters, your boat policy needs to include a rider that covers travel outside the U.S. Most boat policies refer to domestic travel only, so if you stick to lakes and rivers in Texas, it still covers your boat.
International Waters Coverage You Can Add
Before you pull out of your Oklahoma City, OK driveway with your boat, add either international waters coverage through a rider or a separate policy. This specific coverage protects you from financial loss if your boat becomes involved in an accident. You can add the following types of protection with international waters coverage:
- Physical damage
- Medical expenses
- Personal property
- Emergency services.
Besides added insurance, you will need to pack your passports, boat ownership documentation, and other paperwork to explore international waters.
Contact Us Today
Before you leave Oklahoma City, OK, on your next Texas adventure, visit TLC Insurance Associates to upgrade your boat policy. Don’t get caught in international waters without insurance and appropriate documentation. Contact us today to add the necessary rider to your existing boat policy. Let us help you protect your boat, belongings, and medical health while adventuring in your boat.
When there are people who depend on you for your income, it’s important to have life insurance to protect them. Instead of leaving your loved ones in a bad financial situation, you can have something to leave behind to help them. There are two main types of this insurance to choose from. The one that’s best for you will depend on your needs and budget. Each comes with its own benefits. To get your life insurance policy, call us at TLC Insurance Associates in Edmond, OK.
Whole Life Insurance
This type is one that you can count on for the rest of your life. There is no expiration date for this kind of policy, and it will keep staying in effect for as long as you want it to. This type of policy can’t be canceled as long as you keep paying for it as agreed. No matter what age you reach, this policy will stay in effect. Many people choose a whole life policy for this reason. These policies also have a cash value that grows over the years. When you have this cash value, you can borrow against it if you ever have a financial emergency. This can be a way to get more peace of mind about your finances.
Term Life Policy
This type is good for a specific term that is determined in advance. You will be given a number of years that the policy will remain in effect. After that, you would have to get a new policy if you want to stay covered. It doesn’t build a cash value. However, this type is often chosen because it tends to be much more affordable.
Get Life Insurance Now
When you need a life insurance policy, you can call us at TLC Insurance Associates in Edmond, OK.
If you are in the Edmond, OK area, owning a car is a good idea as it will give you a reliable way to get around the city. When you do buy a car here, you need to ensure you also get insurance for it.
There are three key benefits that come with this coverage:
Protect Your Car
One benefit that you will receive when you do have an auto insurance coverage plan is that you can protect your car. When you are fully insured, you will have support if you need to replace or repair your car following an accident or other situation that results in a loss. This can prove to be a great financial investment if you are involved in a challenging situation.
It is also a good idea to have auto insurance coverage to receive liability coverage. When you drive a car, there is a chance you could cause an accident. If you do have this insurance in place, you will receive financial protection if you need to cover damages.
Comply with Auto Insurance Obligations
Having auto insurance coverage is also beneficial because it will ensure you comply with all such requirements. When you have a car, you will be required to carry insurance by the state of Oklahoma and if you have taken out an auto loan. When you have full auto insurance coverage, you will remain in good standing with all such requirements.
Reach Out To Us
If you are looking for a way to protect your car and receive other advantages, it would be a great idea to call our team with TLC Insurance Associates. For those who live in the Edmond, OK area, our TLC Insurance Associates team can give the support you need to assess your options and build a quality plan.
Edmond, OK area folks who are starting a new business can turn to the team at TLC Insurance Associates for all of their commercial insurance needs. Contact our office today to learn more about our services.
Find the right insurance partner for your new business
Starting a new business is an exciting and often stressful experience. It helps to have a good team around you and the right professionals to help you protect your hard work. New business owners can rely on their commercial insurance agent for help obtaining the coverage their new enterprise needs, no matter how specialized they may be.
When you partner with an experienced and knowledgeable insurance agency, you can expect to receive help finding the insurance solutions that are appropriate for your company. Commercial insurance is a vital part of protecting a growing business and is something that requires thought before acquiring a policy. Every company is different, and it’s important to find the policy that best meets a business’s unique needs.
Working with your commercial insurance partner from the start means that your new endeavor will be protected in its earliest stages and in the future as it continues to grow. Even as you are feeling overwhelmed by everything associated with getting a new business off the ground, it’s important that insurance isn’t overlooked. Meeting with a local agent during the planning stages of your business will ensure that it has the protection it needs from the very beginning.
Let’s work together!
The team at TLC Insurance Associates is proud to serve the commercial insurance needs of the Edmond, OK area business community. Contact our office today and set up an appointment to learn more about our commercial insurance services.
Do you own a home in the greater Edmond, OK area? If so, the team at TLC Insurance Associates is here to help you protect your home. Winter can be a time when many people experience damage to their homes due to weather-related events. Don’t forget to check your home insurance policy before winter hits our area!
Is it time for you to upgrade your home policy?
A comprehensive home policy can help you protect your home this winter. Upgrading your policy is often the right move for homeowners in our area due to the need for enhanced protection. Winter comes with many potentially damaging events like wind and ice storms, hail damage to roofs, broken windows caused by flying branches, and other similar weather-related events.
If it’s been a while since you have taken a close look at your home insurance policy, now is a good time to do so. Knowing that you have the right insurance in place can provide a lot of peace of mind when the winter weather begins. Our team is here to review all of the comprehensive policies that are available in our area with you. We can address any concerns or questions that you may have.
Don’t wait until we are hit by a major storm before you take a close look at your current policy. Seeing if now is a good time to upgrade and taking care of all of your insurance needs can help you avoid headaches in the future.
Protect your home today with a comprehensive homeowner’s policy
Edmond, OK area residents can rely on TLC Insurance Associates for help with all of their insurance needs. If it’s time to upgrade your homeowner’s policy, give us a call today!