Do Texans Need Motor Home Insurance?

If you love to travel around Texas in your motor home, you are not alone. Many people enjoy traveling around the state, but they need to do so with the right motor home insurance. Insurance protects everybody on the road, and having the right coverage is crucial.

Rickey McGill Insurance Agency serves the Arlington, TX area and understands the impact of good insurance. If you plan to travel this year, here’s what you need to know about motor home insurance requirements in Texas.

Texas Requires Liability Insurance

In order to drive your motor home and have it registered in Texas, you must carry liability insurance. It needs a policy separate from your auto insurance policy if you can drive it on its own (and it is not towed by another vehicle).

Liability coverage is a guarantee that you will be able to cover some of the expenses incurred if you cause an accident. When you have a large vehicle like a motor home, you are smart to carry liability insurance.

Lenders May Have More Requirements

If you are still paying for the loan on your motor home, you may be required to carry additional insurance. This may include collision coverage, which covers the motor home if it is damaged in an accident, and comprehensive coverage, which covers your motor home if it is damaged in an incident unrelated to a collision.

Get Motor Home Insurance Today

Motor home insurance is required in Texas, and it is important that your policy meets your needs. If you aren’t sure exactly what your needs are, contact Rickey McGill Insurance Agency to make sure your policy meets the requirements for Arlington, TX.

How to Know You’re Getting Enough RV Insurance Coverage

If you own and operate an RV in Texas, having quality RV insurance on board while you travel will give you the necessary legal protection and peace of mind. The type and amo7nt of RV insurance you will want to consider depends on your RV itself. RVs come in different types and sizes that change the class of insurance you need. The classes of RVs are:

Rickey McGill Insurance Agency of Arlington, TX will work with you to determine if you need liability, collision, or comprehensive coverage, as well as additional policies to cover equipment and accessories, emergency expenses, towing, and full-time coverage. There are a range of RV insurance options to choose from based on what you are looking for and our friendly agents are here to help.

Getting the Right Amount of Coverage

To determine if you are getting the right amount of insurance coverage, consider the type of RV, age, amount of protection you want, and mandatory amounts required to operate legally on roadways. There are different styles and classes of RVs that include:

  • Class A – Large RVs like bus style or motor coaches up to 75 ft long are included in this class.
  • Class B – Camper vans and small converted vehicles fall under this class of RV.
  • Class C – Fifth-wheel and vans with cab over designs are part of the Class C RVs.

Affordable RV Insurance in Texas

Give us a call, or use our online contact form to get in touch with us at Rickey McGill Insurance Agency of Arlington, TX to discuss your RV insurance options. Our team works with the best companies to find affordable, quality policies for your insurance needs.

A Guide to Texas Motorcycle Laws

There are many great places to ride in and around Arlington, TX. Rickey McGill Insurance Agency wants to make sure that you are riding safely and in line with the law. Please refer to our handy guide below for more information on Texas motorcycle laws.

Licenses

A license to operate a motorcycle is required by law. The Texas Department of Public Safety will grant a license to motorcyclists that satisfy all the requirements for a regular driver’s license and complete a motorcycle safety course approved by the state. 

Helmet Law

All motorcycle drivers and their passengers must wear a helmet if they’re under the age of 21. Those over this age must wear a helmet unless they have  health insurance that covers motorcycle injury or have completed a motorcycle training course. However, it is still prudent to wear one to avoid head trauma in an accident.

Passenger Law

Passengers may only ride on motorcycles with designated fixed seats, footrests, and hand holds. They must be over the age of 5. All motorcycle passengers are subject to the same helmet laws as drivers. 

Traffic Laws

In addition to following normal traffic laws, there are a few that are specific to motorcyclists. Motorcyclists are not allowed to engage in lane splitting, which is the act of riding between lanes to pass traffic. It is also illegal to engage in lane sharing. Lane sharing is the act of riding side by side with another motorcycle in a single road lane.

Insurance Laws

Motorcycles are subject to the same insurance requirements as cars. Texas law mandates drivers have minimum liability coverage of $30,000 for each injured person, $60,000 per accident, and $25,000 for property damage. 

Rickey McGill Insurance Agency, now serving Arlington, TX, can help meet your insurance needs. Contact us today to get yourself on the road quickly.

Learn About Boat Insurance

Taking your friends and family out on the lake in your own boat is a great feeling. Knowing that your boat is fully protected by a great boat insurance policy is an even better feeling. At Rickey McGill Insurance Agency, serving Arlington, TX, we can help you find the best insurance product for you and your family. Keep reading to learn more about boat insurance. 

Is Boat Insurance Necessary?

Although some areas will allow you to operate a boat on open water without an insurance policy, you should understand that doing so can leave you vulnerable. You have invested money in your boat and the only way to protect that investment is through adequate insurance. 

It is also important to note that operating a boat carries with it certain risks. If your boat is involved in an accident, or someone is hurt on your boat, you could be held liable for their medical expenses or even for legal fees. Boating insurance is a great way to protect yourself against these types of expenses. 

What Does Boat Insurance Cover?

Boat insurance will generally provide coverage in the following areas:

  • Property damage- If your boat is damaged due to fire, natural disaster, burglary, or an accident, you can be reimbursed for your losses. 
  • Collision coverage- If your boat causes damage to another vessel, this type of coverage will pay for repairs to the other vessel. If you do not have this type of coverage, you could be required legally to pay these costs. 
  • Liability coverage- If your boat causes injury to others or someone is hurt on your boat, you could be held responsible for medical bills or legal fees. Liability coverage will pay for these expenses. 

If you would like to learn more about our services, please contact us at Rickey McGill Insurance Agency, serving Arlington, TX. 

Boost Your Liability Coverage With Umbrella Insurance

When you already have a home and auto policy in place, you still may not have enough coverage for liability. You can fix this problem with an umbrella insurance policy. If you are interested in getting more liability coverage, call us today at Rickey McGill Insurance Agency in Arlington, TX to find out more. 

Coverage for Accidents

When an accident happens and your car or house are involved, you can be found liable for the accident and all of the costs that go with it. These costs can be substantial, so it’s important to never go without liability insurance. When you have your auto and home insurance already, you will have some liability protection as a part of each of those policies. However, it is often not enough coverage to pay for a serious accident. For that, many people get umbrella insurance to add to the liability coverage of the home and auto policies. 

A Higher Maximum Payout

When you get an umbrella insurance policy, it works alongside your other policies. First, the car or home insurance, depending on where the accident happened, will pay for your liability costs. However, if there are still bills due after your home or auto insurance have maxed out, you have your umbrella insurance that comes in and pays the rest of it. With an extremely high maximum payout, chances are that this policy will pay the rest of what you owe so that you are left scrambling to pay the overage. 

Get Your Umbrella Policy

If you have auto and home insurance, don’t take it for granted that you have enough liability coverage. Chances are that you don’t have enough for the sky-high costs of a serious accident. That’s why umbrella policies are so popular. If you are interested in one of these policies, contact us at Rickey McGill Insurance Agency in Arlington, TX to make an appointment with an agent to discuss it. 

Condo insurance FAQS

For many people, owning a condo is a way to own a home without much maintenance to worry about. It is also, in many cases, an affordable way to get into a pricey housing market. Arlington has a very competitive housing market. If you are purchasing a condo and getting your first condo insurance, you may have questions. You aren’t alone. Many condo owners have questions. At Rickey McGill Insurance Agency in Arlington, TX, our experienced staff can help with advice and answers. 

Is condo insurance mandatory in Texas?

Condo insurance is not mandatory in Texas. If, however, you have a mortgage on your condo, your lender will require you to show proof of condo insurance. Read your covenant to see if you are required to have condo insurance. 

Doesn’t the condo association have insurance on my condo?

Yes, indeed, the condo association does have insurance on your condo. They have building insurance covering the exterior of the building and liability coverage on the common areas you share with other residents. What they don’t have is insurance on the interior of your condo and your personal possessions. 

What does condo insurance cover?

Condo insurance has several types of coverage:

  • Building– Even though the condo association covers the exterior of your condo, the walls, ceiling, kitchen cabinets, and other structural things inside your unit are covered by your condo insurance.
  • Contents-Your personal possessions, furniture, decor, electronics, jewelry, and clothes are all covered.
  • Liability-You need your own liability coverage for the interior of your unit in the event some on is injured while visiting. 
  • Loss of use- If your condo gets damaged by a covered hazard, you will get funds to help pay for a place to stay. 

Contact Rickey McGill Insurance Agency in Arlington, TX when you have condo insurance questions. 

Examining Life Insurance and Term Life Insurance

Rickey McGill Insurance Agency provides coverage to the Arlington, TX community. For over 30 years, we have helped local residents find the coverage they need to enjoy a comfortable life. We strive to treat all of our clients with respect and kindness. We have positive relationships with multiple carriers throughout the South. We will help you find the coverage you need to protect your assets.

Examining Term Life and Life Insurance

While you are enjoying a comfortable life in Arlington, TX, things can change at any moment. You should have a plan in place if something unexpected happens. Consider the significance of life insurance. Life insurance allows there to be a smooth transition of your assets once you have passed away. Things may be uncertain, but your life insurance coverage provides a foundation for your loved ones to lean on. Life insurance assists your funeral arrangements. Your loved ones can also use your life insurance to continue managing your assets or doing great things in the future such as pursuing a college education.

One of the most common life insurance policies is term life insurance. Term life insurance provides coverage over a specified period of time. Generally, the terms of the policy last for 20 years. Term life policies are considered low risk compared to whole life policies. The coverage is generally fixed. You also have the option to renew the terms of your policy every year. This allows you to lock in coverage when you need it most.

Rickey McGill Insurance Agency Will Help You Find Coverage

Visit our website to learn more information about life insurance.  

Types of commercial insurance policies

Commercial insurance laws vary from one federal state to another. Commercial General liability insurance is not mandatory in Texas, but it cushions business owners against liability claims for property damage, bodily injury, and advertising injury. These federal laws can affect the kind of insurance policies you need for your small business. Suppose you are planning to initiate a business venture in Arlington, TX. In that case, it’s wise to invest in sufficient commercial insurance so that you can safeguard your business against incertitudes such as fires, employee injuries, and liability lawsuits.

Statistics show that Texas’s small business ventures account for about 4.4 million employees spread out in the entire state. Without the right commercial insurance policy in Texas, businesses can find themselves on the receiving end for thousands of dollars to cater to liabilities emanating from litigation and abrupt, unexpected eventualities. Suppose your business entity owns vehicles. In that case, it’s wise to procure commercial auto insurance to cater to the cost of injuries and property damage caused by your employee after an engagement in an accident, and he/she is deemed liable. Connect with us at Rickey McGill Insurance Agency, and our charismatic personnel will help you analyze various commercial insurance policies and choose the one that meets your needs.

What types of commercial insurance coverages offered at the Rickey McGill Insurance Agency?

  • Business liability insurance: It helps protect you, your employees, and your clients in the event of an accident at your business premises.
  • Commercial property insurance: Safeguard your company’s physical assets like furniture, equipment, your building equipment, and inventory from covered perils.
  • Commercial auto insurance: Helps guard your business venture and employees against various damages and accidents resulting from vehicles’ operation.
  • Commercial umbrella insurance: It provides your business with extra coverage beyond your standard liability policy.
  • Business interruption insurance: It compensates for lost income and keeps your business afloat if the covered perils force you to close for a short period.
  • Workers’ compensation: This policy is not mandatory in Texas but can protect your employees in the event of work-related accidental injuries.

Are you in need of commercial insurance in Arlington, TX? Our team of in-house experts can help you find the right coverage you need. Call us or visit Rickey McGill Insurance Agency offices today, and you won’t regret it.

Keep the Fun Rolling With Recreational Insurance

Your recreational vehicles add joy and adventure to your life. But the only way to make sure the fun never stops is to make sure these recreational vehicles are properly maintained and properly insured. At Rickey McGill Insurance Agency, serving Arlington, TX, we believe that to make the best insurance choices, it is vital that you have a solid insurance education. Keep reading to learn more about recreational insurance. 

What Qualifies as a Recreational Vehicle?

When people hear the term "recreational vehicle," they are thinking of traditional RVs such as motor homes and campers. The term recreational vehicle, however, can cover several other types of vehicles as well. ATVs, boats, jet skis, and some other types of vehicles all qualify under this category. To best understand this category of insurance, you will want to sit down with an insurance representative. 

What Does Recreational Vehicle Insurance Cover?

Recreational vehicle insurance works similarly to other types of insurance. Although you can customize policies to suit your particular needs, in general, a policy will provide coverage in the following areas.

  • Collision/Comprehensive – This type of coverage is in place to cover expenses incurred due to damage or loss of your recreational vehicle. This can include fire, natural disasters, accidents, and theft. 
  • Liability – This type of coverage operates to pay for expenses that might occur if your vehicle causes injury to someone else or damages someone else’s property. This is a significant type of coverage because, in many states, you must have liability coverage to operate your vehicle. This is also the best way to protect yourself if someone is injured to ensure you do not wind up paying medical bills or legal fees. 

If you would like to learn more about our insurance products, please contact our office at Rickey McGill Insurance Agency, serving Arlington, TX.

Why should I have renters insurance

Arlington, TX is part of the metro Dallas-Fort Worth area. It is a great place to rent with many college students and lovers of the Dallas Cowboys, whose home field is in Arlington. As one of the fastest-growing towns in the area, it has a lot of appeal to new residents. At Rickey McGill Insurance Agency in Arlington, TX, we are here to help you navigate all the insurance questions you may have as you look for your renter’s insurance. 

As a renter, you may assume your landlord’s insurance covers you. This is not the truth. Landlords’ insurance protects their property but not yours. If your apartment is damaged, you will be responsible for replacing all of your possessions yourself. Not a pleasant thought unless you are wealthy. Renters insurance offers several different types of coverage that are well worth paying for. 

Contents and Property

Things happen. It could even be that you are not responsible. For instance, if your neighbor has a fire, it could damage your unit as well as theirs. Even if the fire doesn’t reach your apartment, you could have smoke damage. If you have renters insurance, you will be able to replace any of your property damaged by a covered peril. Imagine losing all your clothes, your electronics, and furniture. 

Liability

Liability coverage protects you if someone is injured in your rental or by you or a member of your family. Getting sued can be very expensive, and this insurance will help. 

Loss of use

If your rental is so damaged that you can’t live there, finding a place to stay is important, especially after having sustained a loss. This insurance will pay for a hotel and then a short term rental until you can move back home. 

At Rickey McGill Insurance Agency in Arlington, TX, we know that our customers are our greatest asset, and we want to make sure that your insurance experience is enjoyable. Give us a call or stop at our office for a no-obligation quote.