We get many life insurance questions at Rickey McGill Insurance Agency of Arlington, TX. Many of these questions involve misperceptions about life insurance that prevent many from seeking coverage.

There are misperceptions about costs and health exams. Some avoid even applying for life insurance because of their age or health conditions.

The reality is that life insurance is more accessible than ever. More companies are accepting applications from a variety of people with insurable challenges. Here is why you shouldn’t allow health issues to stop you from getting life insurance:

Health Examinations Have Been Relaxed

Many companies will consider your application without a health exam. Of course, the larger the policy and the more questionable health issues you may face, the more likely insurability or rates will be impacted.

Companies Are Specializing in Higher Risk Applicants

Some life insurance companies are tapping into the market of applicants who may have previously been uninsurable. These may include consumers with diabetes, high blood pressure, and even cancer. Rates may be adjusted, but protection may still be available.

Size, Weight, and Age Aren’t Necessarily Deal Breakers

Applicants who may be a bit older or overweight may not immediately be dismissed from coverage. Even if you face health challenges, you should still apply.

There Are Options

Don’t assume your physical condition or limitations may disqualify you from life insurance coverage. There may be a few more hoops to jump through, and premiums may be adjusted upward, but you may still be able to access coverage.

Contact Rickey McGill Insurance Agency to Learn More

Contact us at Rickey McGill Insurance Agency of Arlington, TX, to see what life insurance plans you may qualify for. By answering a few questions, we can establish your eligibility and determine how you may be eligible.

If you have health or physical issues, don’t take it as a given that you are not qualified. Learn more by reaching out to us today.

Everything is bigger in Texas, including a commercial insurance policy that can safeguard businesses from unexpected shutdowns, damages, natural disasters, and theft. Learn how to get Texas-sized protection for your business from the commercial insurance experts at Rickey McGill Insurance Agency in Arlington, TX. 

Commercial Insurance Basics for Arlington, TX Business Owners

Comprehensive commercial insurance acts like a virtual safety net for your business, protecting your beloved enterprise from unexpected perils. Commercial coverage kicks in when your business is threatened by unexpected shutdowns caused by cyber theft, natural disasters, or vandalism. A comprehensive policy can provide coverage for your products, critical customer data, commercial vehicles, and inventory. 

Commercial Liability Protection

Safeguard your Texas-based business from the devastating financial effects of lawsuits related to slip-and-fall accidents, product defects, or advertising injuries. A licensed commercial insurance agent can help you choose the best policy options to offset the costs of legal fees, judgments, and reputation management. 

Comprehensive Property Protection 

Nothing is worse than having to shut down your business operations because of loss of use of property due to vandalism, theft, fires, or natural disasters. Commercial Property Insurance can safeguard your buildings, equipment, inventory, and physical assets to help your business quickly recover from shutdowns related to loss of use. 

Workers Compensation Protections for Business Owners 

Workers’ compensation insurance can shield your business and its employees from financial losses associated with on-the-job accidents, which can lead to exorbitant medical bills and lost wages. When choosing the best commercial insurance to meet individual business needs, one size does not fit all. Commercial insurance experts understand the benefits of commercial insurance and can answer policy-related questions. 

Contact Rickey McGill Insurance Agency and get a commercial insurance quote today! 

Recreational insurance is unique. Automobile insurance is to insure cars and trucks. Boat insurance is for boats. RV insurance is for motor homes classified as recreational vehicles. Keep in mind that this is not the same as recreational insurance, which covers injury or damage caused by vehicles manufactured to have a good time.

Recreational Vehicle Vs. Vehicle of Recreation

For the most part, a vehicle is something someone uses to get from Point A to Point B. A recreational vehicle, commonly known as an RV, is both a means of transportation and a place of residence. A vehicle of recreation is a vehicle that is largely ridden just for the experience of riding. A motorcycle could fall under this, but as many people have a bike as their major or sole means of transportation, this is largely a form of insurance on its own. A boat is often taken out into deep waters and may be used for fishing purposes, so it falls under its own form of insurance. That leaves pleasure crafts such as personal watercraft (PWC) or all-terrain vehicles (ATV).  

PWC and ATV

PWCs and ATVs are both objects of transportation that generally can only carry the driver and one or maybe two passengers at a time and are driven for fun more than as a means to get to a certain destination. The PWC (sometimes referred to by the generic trademark Jet Ski or its major competitor Sea Doo) is operated on water, usually with the shore within sight. Many states require the PWC to be 100 to 200 feet from shore to build up enough speed to cause a wake. An ATV is for land. As the name suggests, ATVs can handle all terrain, whether rocky, sandy, muddy, or rooty. Insuring an ATV in Texas is not required, but it may be a good idea anyway. 

Rickey McGill Insurance Agency Serving Arlington, TX

If you are in the Arlington, TX, area and need recreational insurance, please get in touch with Rickey McGill Insurance Agency. We’re happy to help you. 

While renters insurance in Arlington, TX can help in all rental situations, you may have to consider other factors depending on the property type you’re renting. At Rickey McGill Insurance Agency, we want you to make informed decisions regarding renters’ insurance, so here are some things to keep in mind regarding renters’ insurance for different property types.

Renters Insurance for Apartments

If there’s theft or fire or some other event that affects the things you own, you’ll want your own insurance policy that will help repair or replace those things. Equally, suppose an accident occurs on the property, and you have some share of the blame for it. In that case, you’ll want your liability coverage available to see you through any lawsuits or payments that will otherwise have to come out of your pocket.

Renters Insurance for Condos

Your condo association’s policy will cover many things but may not cover your personal property. You can use renters insurance to cover your belongings and any personal liability. The condo association may even require you to have certain forms of renters’ or homeowners’ insurance, so make sure you review your bylaws carefully. You’ll want to find gaps in coverage and look for insurance options that will bridge or cover those gaps.

Renters Insurance for Rental Homes

You’ll need to protect your belongings. Again, the property owner will have insurance, but it will typically not cover your belongings or liability. Even if the homeowner’s policy covers some of your things or liability, you may find there are places where it won’t help you at all. As a house comes with more responsibility, you’ll want to make sure you know exactly what the property owner’s policy might cover and what gaps you’ll have to fill in.

If you rent in Arlington, TX, or maintain a home you don’t own, you need renters insurance. If you’re unsure of how renters insurance works for your type of property, or want more information on renters insurance, contact us at the Rickey McGill Insurance Agency today.

If you own a motorhome in Arlington, TX, you need to purchase insurance coverage. Luckily, you can buy motorhome insurance from Rickey McGill Insurance Agency.

You’ll be happy to know that motorhome insurance can save you from dealing with numerous problems. Here are four issues you can avoid with motorhome insurance. 

Losing your motorhome due to theft

Insurance coverage can compensate you for losses you face as a motorhome owner that are the result of theft. If you invest in comprehensive coverage, your motorhome insurance policy should cover you for theft. 

Losing your motorhome due to a natural disaster

A motorhome can be destroyed due to a natural disaster such as a tornado or a hurricane.

Without insurance coverage, you won’t be compensated for damage to your motorhome that results from natural disasters. If you invest in insurance coverage, you can be compensated for natural disaster damages. 

Failing to meet legal requirements

Motorhome owners shouldn’t forget that they’re legally required to buy insurance coverage. If you take your motorhome on public roads, you need to make sure that you’ve purchased a motorhome insurance policy. 

Facing financial loss because you’re held liable for accidents

Motorhome owners could potentially be required to pay any costs that result from an accident for which they are held liable. Fortunately, a motorhome insurance policy includes liability coverage that will pay for any costs that result from an accident for which the policyholder is held responsible. 

Get the motorhome insurance you need from Rickey McGill Insurance Agency. If you own a motorhome in Arlington, TX, you can call us today for a quote on a motorhome insurance policy. 

Whether you’re a digital nomad or a retiree, there’s something inherently enticing about living full-time out of your RV. However, before you head out from Arlington, TX in your RV, you’ll want to get your insurance situation squared away, and thankfully, we’re here to help at Rickey McGill Insurance Agency!

Full-timers Coverage

When you’re planning on living out of your RV, instead of just driving it around on road trips, you’ll want what the state of Texas calls "full-timers coverage" on your RV. The main components of full-timers coverage include personal property and liability coverage.

Personal Property Coverage

You can get collision coverage for your RV that covers damages to the RV itself, but what about the stuff that’s inside your RV? If you get into an accident on the road and the property inside your RV is damaged, personal property coverage ensures you’re not left high and dry when it comes time to file a claim.

Liability Coverage

No one wants to think of an instance when you cause an accident and are considered "at fault," but if this situation happens to you, you can have peace of mind with liability coverage. When you have liability coverage, you’ll be covered if you cause damage to other vehicles or people’s property in an accident that’s considered your fault. In addition, you’ll also be covered for medical bills to other parties up to a set limit.

At Rickey McGill Insurance Agency, we can help you navigate the world of Arlington, TX area RV insurance before you get on the road as a full-time resident of an RV. Contact our team today to learn more about your policy options.

For those who live in the Arlington, TX area, getting a motorcycle can be a smart idea to get around. When you have a motorcycle, you will have a fun vehicle that you can use to get around the community quickly and efficiently. When looking for your next motorcycle, it is also important to consider your insurance needs. There are various scenarios when a motorcycle owner will need coverage. 

Those with a Loan

A situation when you need to have a full motorcycle insurance plan is when you have taken out a loan. Motorcycles today can be pretty expensive. Accordingly, taking out a loan to finance the purchase can make sense. If you are going to buy a bike, you will need to ensure you follow all rules set in your loan agreement. This will almost always require you to carry a full motorcycle insurance plan until the loan is paid off in full.

Those Driving on Public Roads

Like in other states, all motorists in Texas must carry liability insurance. When you have a motorcycle insurance plan, you can receive this coverage. This will ensure you have the financial resources to cover damages if you are at fault in an accident. This coverage will keep you in good standing and help you avoid penalization.

For those who live in the Arlington, TX area, getting a proper motorcycle insurance plan is always a good idea. When shopping for a new insurance plan, calling our team with the Rickey McGill Insurance Agency would be a great idea. When you call us at the Rickey McGill Insurance Agency, you can receive all the support you need to build a plan that will cover your motorcycle and keep you in compliance. 

Summer has arrived in Arlington, TX, so it’s time to consider the boating season. Boating is a great way to get outside, relax, and enjoy the water with family and friends. However, it’s important to remember that, like with any other vehicle on the road, accidents can happen on the water too. Rickey McGill Insurance Agency explains boat insurance for sailboats and powerboats – so you can be sure you’re adequately protected when on the water.

Insurance for Sailboats

If you own a sailboat, your insurance coverage needs will be slightly different than if you own a powerboat. However, you may want to consider a few other coverage options. For example, sailboats have masts and rigging that can be vulnerable to damage in bad weather or collisions. That’s why it’s a good idea to ensure your policy includes mast, rigging, and sail damage coverage. You may also want to consider liability coverage to protect you if someone is injured while on your sailboat.

Insurance for Powerboats

Powerboats come in many different shapes and sizes, which means they require different types of coverage depending on what kind of boat you own. One thing all powerboats have in common, though, is that they have a motor. That means you’ll need liability coverage that protects you in case someone is injured, or your boating activities damage their property. You’ll also want to ensure your policy includes coverage for damage to your boat’s motor.

With the right insurance policy in Arlington, TX, you can relax and enjoy the water with peace of mind, knowing that you’re adequately protected in case of an accident or damage to your boat. Contact Rickey McGill Insurance Agency today to cover your valuable assets. Happy boating!

Understanding how different insurance products work is essential to making good insurance choices. Here at Rickey McGill Insurance Agency, serving Arlington, TX, and the surrounding areas, we want to help our clients increase their knowledge of insurance products. Keep reading to learn more about umbrella insurance. 

How Does Umbrella Insurance Work?

Umbrella insurance is a special insurance policy designed to pick up when another insurance policy has been exhausted. This type of coverage can help protect you from unexpected liability expenses. If you exhaust an insurance policy and there are still expenses left to be paid, those expenses will come out of pocket for you. This could be difficult to handle financially, affecting your financial stability for years. 

What Is Policy Exhaustion?

We say that a policy has been exhausted if it has paid out up to the maximum payout amount, but there are still expenses left. These expenses then become your responsibility.

Who Needs Umbrella Insurance?

Anyone can benefit from this type of coverage, but certain people should seriously consider investing in this product. For instance, if you have many assets you want to protect, umbrella insurance is a good idea. This will help to decrease the chances of having your assets taken for liability expenses. You also might want to consider an umbrella policy if you are involved in hazardous hobbies or sports or work a job with a high occupational threat. 

If you would like to learn more about umbrella insurance, don’t hesitate to contact us at Rickey McGill Insurance Agency, serving Arlington, TX, and the surrounding areas. We will happily answer your questions today and help you find the policy for your needs. 

Condos can be a great way to break into the housing market. They are also ideal for those who are too busy or not interested in doing a lot of exterior home and garden maintenance. They are similar to homes when insuring them, but the coverage is somewhat different. At Rickey McGill Insurance Agency in Arlington, TX, we know the questions to ask to ensure you have the right coverage. 

Property

Property coverage for a condo is slightly different from a freestanding home. The condo association master policy covers the exterior of the building. How far into the unit it goes depends on the policy. It can be walled in or all in. It is essential for you to know when choosing the amount of coverage that you need. 

Contents

Content coverage, like home insurance, comes in two types. You can choose the current value or replacement cost. Suppose you have expensive items of jewelry, antiques, or electronics. In that case, it is vital to have appraisals and endorsements to cover the amount above the coverage allowed by the policy. 

Liability

Liability is also shared with the condo association. Your responsibility will be anything that involves the interior of the unit and family members. The condo association covers the unit’s exterior, the public, and shared areas. 

Loss of use

If a covered hazard damages your condo and becomes uninhabitable, you will need to find another place to live while it is being repaired. Loss of use insurance will pay for your accommodations and may even pay for meals. 

At Rickey McGill Insurance Agency in Arlington, TX, our team is ready to answer any questions you may have about condo insurance. Give our office a call today, or stop by.