Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Whether it is a fifth wheel headed for Beavers Bend or a Class A living full time in a park outside Tulsa, an RV is a vehicle and a residence at once. Harvey Insurance writes Oklahoma coverage that treats it as both.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Insuring a motorhome under a standard auto policy does not work, and the reasons go beyond size. An RV carries the contents of a household, which an auto policy has no provision for. It parks for weeks at a time, creating campsite liability an auto form never contemplates. If it is your primary residence, you need the equivalent of homeowners liability and personal property coverage attached to a vehicle. And in Oklahoma specifically, there is hail: a large fiberglass roof sitting in a storage lot is one of the most hail-vulnerable assets a household owns, and roof and skin damage claims here are frequent and expensive. Add total-loss replacement provisions on newer units, emergency expense coverage when a breakdown strands you far from home, and the policy starts to look nothing like auto insurance.
Get a Free RV QuoteThe pieces that separate an RV policy from an auto policy.
Three exposures shape most claims in the state.
Oklahoma hail lands hard on a large, flat, mostly unprotected RV roof. Storage-lot hail claims are among the most common and costly losses on these policies.
I-35, I-40, and I-44 carry sustained crosswinds across open country. High-profile vehicles are disproportionately involved in wind-related loss-of-control incidents.
Most Oklahoma RVs are used a few weeks a year and stored the rest. Fire, theft, rodent damage, and storm losses all happen during that stored period.
Use pattern drives the right structure more than the price tag does.
Living in the RV changes the policy form required. Getting that wrong is a coverage denial waiting to happen, so we ask directly.
What is inside a well-equipped RV adds up quickly. We set the personal property limit against an honest inventory rather than a default.
We do not recommend suspending coverage in the off-season in a hail state. The savings are small and the exposure is the entire unit.
FAQ
RV Insurance is not the only thing we write in Oklahoma. Most households end up combining a few of these, which is usually where the savings turn up.
Weekend camper or full-time residence — tell us how you travel and we will write the right form.
Get a Free RV QuoteCoverage Areas
We write RV coverage across Oklahoma — Beavers Bend and the Broken Bow cabin country, Lake Murray and Turner Falls in the south, Robbers Cave and the eastern hills, Grand Lake and Tenkiller in Green Country, the Wichita Mountains in the southwest, and the OKC and Tulsa metros in between.
We write RV coverage across the whole state — these are simply the Oklahoma cities we are asked about most. Don’t see yours? We almost certainly cover it too.