Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Oklahoma is a state full of things that do not fit on a homeowners or auto policy — boats on Grand Lake, campers headed for Beavers Bend, four-wheelers on family land, bikes on the Talimena. Harvey Insurance writes the coverage those actually require.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A homeowners policy will pay something toward a stolen fishing boat, and it is almost never enough. Standard forms cap watercraft at a token amount, exclude anything above a modest horsepower, and provide no liability at all once the trailer leaves the driveway. Auto policies are stricter still: a motorcycle, an ATV, or a motorhome is simply not a covered vehicle. That leaves a whole category of Oklahoma property — often worth more than the family car — effectively uninsured for the losses most likely to happen to it. Specialty policies exist because the risk profile is genuinely different: seasonal use, trailering, storage months, on-water and off-road liability, and replacement values that do not track a standard depreciation schedule.
Get a Free Specialty QuoteFive categories, each on a policy form built for how the thing is actually used.
Three factors drive most of the specialty claims we handle in the state.
Oklahoma hail is among the most destructive in the country, and boats, campers, and collector cars parked outside take it the same as a roof. Comprehensive coverage on the specialty policy is what answers.
Grand Lake, Tenkiller, Eufaula, and Broken Bow run heavy traffic from spring through fall. Collision and liability exposure on the water is a real and separate thing from anything the home policy covers.
From the Little Sahara dunes to the Ouachita foothills, Oklahoma off-road use happens away from the insured premises, which is exactly where a homeowners policy stops helping.
These policies reward paying attention to the details.
Agreed value and stated value are settled when the policy is written, not argued over after a claim. We put the number on paper up front.
Most Oklahoma toys spend more months stored than used. We make sure storage-period coverage stays in force rather than lapsing when the season ends.
Specialty policies frequently discount when written alongside home and auto. We check that math instead of quoting each piece in isolation.
FAQ
Specialty 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.
Boat, camper, four-wheeler, bike, or collector car — tell us what you have and we will quote it properly.
Get a Free Specialty QuoteCoverage Areas
We write specialty coverage statewide — Green Country and the northeastern lakes, the Oklahoma City and Tulsa metros, the Kiamichi and Ouachita country in the southeast, Lake Texoma along the Red River, and the ranch land and dunes across western Oklahoma.