Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A lot of Grand Lake collector cars live at a house their owner does not. Harvey Insurance writes coverage that describes that arrangement honestly instead of pretending the car is in your driveway.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Grand Lake o’ the Cherokees runs on second homes, and second homes hold second cars. It is a familiar pattern here: something interesting kept in the garage at the lake place, driven on weekends and through the season, and left alone for weeks at a stretch the rest of the year while the owner is back in Tulsa, Joplin or somewhere further. Insurers care about that pattern more than owners expect, and for practical reasons rather than fussy ones. The garaging address on the policy should be where the car actually sits, because that address drives the rating and it is what an adjuster verifies. A property standing empty for weeks is a different theft and vandalism profile than an occupied house. Freeze damage on a car sitting through an unheated Oklahoma January is a real loss and one that owners rarely anticipate. And there is a coverage question that has nothing to do with the car at all: whether the homeowners policy on a seasonally occupied lake house is written correctly for a dwelling that is regularly unoccupied, because a great many are not. We would rather write the collector policy and look at the house it lives in at the same time, since in this town the two questions are genuinely the same question.
Get a Free Collector QuoteA car kept somewhere its owner mostly is not.
Lake garages, lake roads, and the local scene.
Where most of these cars live, at an address that is often not the owner’s primary residence.
Winding, scenic and short — ideal for a car that is meant to be enjoyed rather than commuted in.
The seasonal gatherings that give an area this size a genuine car culture.
The historic road through northeastern Oklahoma, an easy day out from the lake.
Unheated garages and rented bays through the months nobody is at the lake.
FAQ
Tell us where it actually lives and we will write it that way.
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Also in Grove: Grove boat insurance and Grove RV insurance.
Part of our Oklahoma classic & collector car insurance coverage.