Insurance

Insuring Your RV for International Travel: What You Need to Know

Posted on by admin

Taking your RV across borders can be an exciting way to explore new destinations. However, before you hit the road, it’s important to understand how insurance works when traveling internationally. Proper coverage ensures you’re protected no matter where your journey takes you.

Check Your Current Policy

Most standard RV insurance policies only provide coverage within the United States and Canada. If you’re planning to travel to Mexico or overseas, your existing policy may not apply. Review your documents carefully or speak with your insurance provider to confirm any limitations.

Special Coverage for Mexico

U.S. and Canadian insurance policies are not recognized in Mexico. Mexican law requires all drivers to carry liability insurance from a licensed Mexican insurer. You can purchase a temporary policy that covers liability and, in many cases, add protection for physical damage and theft.

International Travel Riders

For extended trips or travel outside North America, you may need an international insurance rider or a specialized policy. These options can help cover medical expenses, liability, and damage to your RV in foreign countries. Always request documentation in the local language if required.

Protecting Your Belongings

Your RV likely carries valuable personal items. Ask about personal effects coverage, which can protect belongings such as electronics, camping gear, and clothing against theft or damage while abroad.

Plan Ahead for Secure Travels

Insurance requirements vary widely by country. Research regulations for each destination and secure coverage before leaving home. Carry physical proof of insurance and keep digital copies as backups to ensure you’re prepared.

Call Rickey McGill Insurance Agency in Arlington, TX

At Rickey McGill Insurance Agency, we’re proud to serve Arlington, TX, and we’re here to help you find the right RV insurance policy for your needs. Contact us today to learn more about your options.

Custom Bikes, Custom Coverage: Protecting Your Modifications in Arlington

Posted on by admin

In Arlington, a motorcycle is more than just transportation—it’s a canvas in motion, a rolling autobiography written in chrome, leather, and the rasp of a tuned exhaust. But for every new part you bolt on, every panel you repaint, there’s an important question lingering in the background: if something happened tomorrow, would your insurance recognize what your bike has become?

The Value Shift No Policy Should Ignore

Modifications don’t just add shine—they transform the bike’s entire DNA. They impact its performance, profile, and even its place on an insurance underwriter’s checklist. A showroom model is easy for an adjuster to replace. But a low-slung, one-of-a-kind build with a hand-welded frame, airbrushed tank, and precision-machined forks? That’s not a warehouse item—it’s a unique creation. Without proper coverage, the payout after an accident could treat your masterpiece like a mass-produced machine.

This matters because the market doesn’t forgive gaps in documentation. Without photos, receipts, and a record of upgrades, it’s your word against the policy fine print. In the insurance world, proof isn’t optional—it’s your armor.

Threats That Don’t Wait for the Open Road

Most riders think about collisions. Fewer consider the freak hailstorm parked over an Arlington street, the fire that jumps from a neighbor’s garage, or the slow vandalism of rust after a flooded storage unit. Every upgrade you’ve made could be at risk long before your tires touch asphalt. While you can’t bubble-wrap a bike, you can build a safety net with the right language in your policy—a net that accounts for what you’ve created.

How Rickey McGill Insurance Agency in Arlington Can Help

At Rickey McGill Insurance Agency, serving Arlington, TX, we don’t lump a custom ride in with a stock commuter. We listen, document, and design coverage that keeps pace with your creativity rather than lagging behind it. Because a bike like yours isn’t just a purchase—it’s a living creation you’ve built, rebuilt, and made unmistakably yours.

Before the next mile, the next mod, or the next “what if,” give us a call. Let’s ensure your coverage is as deliberate, distinctive, and unapologetically custom as the machine you ride.

Does Boat Insurance Cover Hail Damage?

Posted on by admin

Hail is a significant risk in many parts of the Lone Star State. Some areas of Texas have reported hailstones measuring more than five inches in diameter! If you live in Arlington, TX, it’s wise to look for boat insurance that covers hail damage to protect your investment.

Hail can damage boats in several ways. It may break glass, crack or dent surfaces, and harm canvas, seals, and electronic devices. Additionally, storms often bring heavy winds or lightning, which can inflict further damage.

Insurance Coverage

To protect yourself against hail-related losses, it’s crucial to carry comprehensive boat insurance. While this type of coverage is generally optional, it may be required by your lender if you financed your vessel with a loan.

Comprehensive insurance covers a wide range of severe weather events, including high winds and lightning. It also insures boats against other losses, such as theft, animal strikes, falling trees, and vandalism. Additionally, this insurance may cover damage caused by a fire in a storage building.

Hull Insurance

Hull or marine hull insurance typically combines collision and comprehensive coverage. It protects against collisions with objects, like docks and other boats, as well as the weather-related events mentioned above.

Considerations

Keep in mind that a deductible often applies, so minor repairs may not be covered. You’ll also need to document the hail damage thoroughly. Be sure to take photos and report the damage to your insurer as soon as possible.

If you’re looking for dependable boat coverage, turn to the experts at Rickey McGill Insurance Agency in Arlington, TX. Our independent local agency can help you select the ideal policy to protect your investment adequately. To get started, call 817-861-3400 for a free quote from Rickey McGill Insurance Agency.

How Umbrella Insurance Protects You From Life’s Big Surprises

Posted on by admin

If you’re in Arlington, TX, and have questions about umbrella insurance, you’re not alone. Connecting with us at Rickey McGill Insurance Agency is the best way to get your questions answered and find a policy that suits your needs. You may be unsure whether you need this type of policy or think it won’t benefit you, but nearly everyone can gain from the added protection of umbrella insurance. Here’s what you should know.

Umbrella Policies: An Additional Layer of Protection

Even if you already have insurance for your car, home, and other valuable assets, it can be highly beneficial to increase your coverage. Standard homeowners and vehicle policies come with set limits, which the insurance companies determine. While you can choose coverage up to those limits, you can’t exceed them. Umbrella insurance provides a policy that activates once the limits of your other policy have been reached, offering extended protection.

Policy Limits Can Be Exhausted Quickly

Even if your insurance policies have high limits, a severe accident or natural disaster can deplete those limits faster than you might expect. You don’t want to be left wondering how to cover additional expenses for repairs or replacements after your primary insurance has been exhausted. Umbrella coverage steps in to fill the gap, offering extra security and protecting your assets from unforeseen events.

Our Agents Are Here to Assist

Contact us today at Rickey McGill Insurance Agency if you’re in Arlington, TX, and have questions about umbrella insurance. We can provide quotes from multiple insurers and help you find a policy tailored to your situation. With an umbrella policy, you can enjoy peace of mind and the added protection it brings.

Three Deaths that May Not Be Covered by Your Arlington, TX Life Insurance Plan

Posted on by admin

Life insurance is not something you think of when you are young and free. It becomes a necessity as you get older and start your own family. You should want them to be protected if you were to die and become unable to take care of them. If you have a life insurance plan with Rickey McGill Insurance Agency, you are likely under the impression that your Arlington, TX family is fully protected and will get a large payout if you pass. This may not be the case. The following are three deaths that may not be covered under your life insurance plan.

1. Death While Committing an Illegal Act

If you are committing an illegal act while you pass away, there is a good chance that your life insurance company will not pay out to your family. For instance, if you die in a car crash while stealing a car or while using illegal drugs. There are sometimes exceptions to this rule if you were unaware that you were committing an illegal act when you passed away.

2. Suicide

Check your life insurance plan to see if it includes a suicide clause. Most life insurance plans do. This means that your family will not get a payout if you commit suicide. If you are considering suicide, you should also seek resources immediately to help you.

3. Certain Homicide Cases

If you are killed as a result of a homicide, the life insurance company will investigate the case. If the beneficiaries of your policy aren’t found to be liable for the murder, they won’t be paid out. This is often called the "Slayer Rule" in the life insurance industry. In many cases, a contingency benefactor will get the settlement instead. The payment could also go to the policyholder’s estate and be doled out as part of the will.

Contact Us Today

At Rickey McGill Insurance Agency, we provide Arlington, TX residents with top-notch life insurance services. Contact us immediately if you have any questions or concerns about your level of life insurance coverage.

Do you legally need to carry commercial insurance for your business?

Posted on by admin

Operating a business in Arlington, TX, even a small one, can be more than a full-time job. Long days can be filled with worry and stress. Business insurance from Rickey McGill Insurance Agency can help alleviate some of that worry and stress.

There is no question about the value of business insurance. But is it a legal requirement?

With the exception of Workers’ Compensation and Unemployment Insurance, commercial insurance is not a legal requirement. However, there are plenty of reasons to secure it for your business.

Protection Against Property Loss

Business insurance can cover your assets and inventory from loss due to a variety of perils. These include fire, theft, and vandalism.

Income Loss Coverage

Business insurance can insure your income if your business cannot operate due to a covered peril.

Liability Claims Protection

One of the significant risks businesses face is an injury accident claim from a slip and fall or another peril. Business insurance can also help cover legal expenses associated with a lawsuit.

Cyber Crime Coverage

A business insurance policy can be customized to provide protection against a variety of cyber crimes.

Commercial Vehicle Coverage

If you use personal vehicle insurance to cover vehicles used for business purposes, you are risking your business. See us for appropriate commercial vehicle insurance.

Secure a Business Insurance Plan Today

If you are a business owner in the Arlington, TX area, connect with Rickey McGill Insurance Agency to get started on a business insurance program for your company. We are here to answer your questions and provide a quote. We look forward to helping you protect your enterprise.

My RV Took Flood Damage! Now What?

Posted on by admin

The beauty of owning an RV is the freedom to take it anywhere. But what if you find yourself in an unexpected situation like a sudden storm turning your motor home into a makeshift houseboat? What do you do then?

Recreational Insurance to the Rescue

With recreational insurance, things won’t be as dire as they seem. Most recreational insurance policies cover damage from storms and floodwaters. You are covered whether the water came through a broken window or damaged roof (provided the damage was done during said storm), or water damage from natural flooding. However, there are a few caveats. Damage due to your negligence is not covered, so it’s important to make repairs and use common sense. Water damage from a plumbing leak inside the RV may not be covered unless you have additional coverage. If you have taken flood damage, document everything with photos and lists. Contact your insurance provider as soon as you can possible to mitigate further damage.

Rickey McGill Insurance Agency: Serving Arlington, TX

Texas is a big state with many interesting sights for RV tourists. Before you travel throughout the Lone Star State, ensure your RV is insured so that any setback won’t ruin your trip. If you are in the Arlington, TX, area, please get in touch with Rickey McGill Insurance Agency for your recreational insurance needs. We will connect you with one of our knowledgeable, helpful, and courteous agents to help you find the policy that best suits your unique needs.

Can You Attach Add-Ons to Renters Insurance?

Posted on by admin

Renters insurance is an excellent tool for covering medical expenses, liability, and personal property. However, it doesn’t cover everything. This is where optional renters insurance coverage comes in, filling those gaps. For a little extra, you can get an added level of protection against unforeseen damage and theft. Rickey McGill Insurance Agency in Arlington, TX offers renters insurance riders for the following situations.

Pet Damage

Pets can be rough on carpets and walls. They may scratch, bite, or have accidents. Pet insurance covers these mishaps, ensuring your pet security deposit remains untouched.

Replacement Coverage

Typically, renters insurance pays for your belongings in cash, allowing you to purchase new ones with the insurance money. However, the total cost may be more expensive than the reimbursement check. Replacement coverage replaces damaged items with new ones, saving you the hassle of hunting for replacements.

Scheduled Personal Property Endorsement

If you own expensive valuables, this rider offers protection up to a predetermined price point. An approved appraiser determines the amount.

Flood Damage

People living in flood-prone neighborhoods in Arlington need flood insurance to cover water damage to their belongings.

Water Backup

This rider focuses on plumbing issues that cause water to back up into your apartment and damage your belongings.

Identity Theft

If your personal information falls into the wrong hands, the criminal can wreak financial havoc on your life, taking several weeks to undo. Identity theft renters insurance eases this burden. It offers credit monitoring services, replaces lost or stolen documents, covers legal fees, and much more.

"Your insurance doesn’t cover it" is a sentence many homeowners dread. Optional renters insurance coverage gives you the "yes" you need to put your life back together after unexpected circumstances. We can tailor your policy to the services that matter most. For more information on renters insurance add-ons, contact Rickey McGill Insurance Agency in Arlington, TX.

How Motor Home Insurance Protects Your Personal Property

Posted on by admin

Understanding Motorhome and Personal Property Insurance

Purchasing a motorhome requires added insurance coverage that protects your new investment. However, the policy should also provide provisional coverage for your personal property. The Rickey McGill Insurance Agency of Arlington, TX staff can provide options that safeguard your motorhome and personal property.

What Personal Property is Covered

Motorhome insurance does protect your personal property from theft, loss, and damage. Some items that are included in a standard policy are clothing, shoes, laptops, mobile phones, and appliances. However, high-end items such as jewelry or fine art should have their own insurance policy. If these personal items are under a motorhome insurance policy, you will never gain full market value.

Add Comprehensive Coverage to Your Existing Policy

Adding comprehensive coverage to your existing motorhome insurance policy will expand the protection for your personal property. This is especially helpful if damage occurs in an on-road accident. Insurance brokers call the coverage "accidental loss or damage." The terms of the policy will cover personal property damage or loss from the accident.

Also, comprehensive coverage will protect you should your personal property be stolen or lost from the motorhome. The coverage pays for all costs of repairing or replacing the stolen or lost personal items. The addition of comprehensive coverage offers no delay in the claim process, even if the local authorities recover all stolen or lost personal property items. It is a worthwhile investment for all motorhome owners.

Your mobile home hosts many of your personal property, especially if the vehicle is your temporary residence while traveling from one location to another. The staff at Rickey McGill Insurance Agency of Arlington, TX can tailor an insurance policy that meets your specific needs. Call and schedule an appointment today.

Three Things You Should Know About RV Insurance

Posted on by admin

Are you planning to purchase a recreational vehicle in Arlington, TX? It’s crucial that you adequately protect your new investment. Given the high costs associated with these vehicles, finding the right insurance policy and understanding the nuances of its terms are vital. At Rickey McGill Insurance Agency, we can provide you with the appropriate policy to safeguard your investment.

1. Distinguishing Between Part-Time and Full-Time Living

Selecting the correct designation is where many RV owners falter. Insurance companies categorize RV owners based on their liability risk. Part-time RV users utilize their vehicles only occasionally. On the other hand, full-time RV users use their RV at least 150 days a year. Full-time users are further divided into those who maintain a physical home and those who don’t. Coverage for the latter will typically be more comprehensive. Hence, ensure you choose accurately.

2. Deciphering Actual Cash Value, Replacement Value, and Agreed Value

Understanding these terms can be challenging. If your RV is brand-new, you qualify for replacement value in the event of a total loss. You can choose between actual cash value or agreed value for those not qualifying for replacement value. Actual cash value provides a payout of your RV’s worth at the time of the loss. A third-party evaluation is necessary for the agreed value to ascertain the payout amount.

3. Importance of Personal Contents Coverage

Your RV stores a multitude of personal belongings, especially if it’s your full-time residence.Likeo home insurance, it’s beneficial to have coverage for your clothes, electronics, and other items. Specific risks, such as severe storms, can damage the interior contents even if your RV remains intact.

Your RV insurance policy can be tailored to meet your specific needs. The experienced professionals at Rickey McGill Insurance Agency, serving Arlington, TX, can explain your coverage options and design a customized policy. Contact our office today to begin the process of obtaining your quote.