Why should I get RV insurance in Arlington?

When you are in the Arlington, TX area, you are going to have immediate access to the wide-open space throughout the state of Texas. Those that want to be able to see as much of it as possible should get an RV. With an RV, you will have a vehicle that you can drive safely and relax in when you are not driving. As you are shopping for an RV, you should also carefully consider your insurance needs. There are several reasons that you should get this insurance.

Insurance Offers Important Protections

The main reason that you should be getting an RV insurance policy is that it can offer you very valuable protection. An RV in the state of Texas can give you both property and liability insurance protection. These can help ensure that you are covered if a bad situation arises that could result in a loss for you.

Insurance is a Requirement

You should also get RV insurance because it will be a requirement for you. To drive the vehicle in Texas, you will be obligated by law to at least have a liability insurance policy. If you want to take out a loan, you will also need RV insurance to comply with your loan agreement. 

As you are shopping for RV insurance in the DFW area, it would be a good idea to learn more about your options. A great way that you can do this is by contacting the Rickey McGill Insurance Agency. At the Rickey McGill Insurance Agency, you will receive the support and guidance that you need to choose a new policy. They will help by evaluating your situation and needs to help you find a policy that is right for you. 

What is covered with motorcycle insurance in Texas?

Owning a motorcycle in the Arlington, TX area can be an excellent option for anyone that is looking for a fun and efficient mode of transportation. While there are plenty of benefits that come with owning a motorcycle, there are responsibilities as well. One responsibility that you need to take seriously is your need to get insurance for the bike, which can include many different forms of coverage. 

Liability Insurance

One important component of a motorcycle insurance policy in this area of Texas is liability insurance. Those that operate a motorcycle are always at risk of causing an accident. If you are deemed liable for damages, you will have to pay for these expenses out of pocket. However, if you have a motorcycle insurance policy, you are going to have the coverage you need to cover these costs. Due to the importance of this coverage, it is also a requirement for people to have when they use a public road.

Protects Motorcycle

You will also want to get a motorcycle insurance policy because it will protect your asset and investment. When you get a motorcycle, you will want to make sure that your asset is covered. If you get a full motorcycle insurance policy that has collision and comprehensive coverage, it can help to ensure you are reimbursed for a variety of situations that could cause a loss, including theft or damage.

As you are shopping for motorcycle insurance in the Arlington, TX area, it is vital that you work with someone that is experienced and that you can trust. The team at the Rickey McGill Insurance Agency can answer any questions you have about your insurance needs and options. The Rickey McGill Insurance Agency has insurance professionals who will be able to assess your individual situation to ensure you pick the right policy to meet your needs. Contact our office for more information.

Is Boat Insurance Legally Required In Texas?

In most states, Texas included, there is no legal requirement that you carry boat or watercraft insurance. If you own a boat in Arlington, TX, you are free to buy insurance or skip it at your discretion, legally speaking. But you’re going to have a hard time getting your boat in and out of the water.

This is because most owners of docks, piers, and wharves are going to insist that anyone docking their watercraft at least carries some basic liability. The people who own these docks are just covering their ends: A boat-on-boat collision is unlikely to happen out on the open water, but it’s very likely if an inexperienced pilot comes cruising in a little too quickly to dock their boat, or if they don’t know to tie their boat down to keep it from smashing into other boats. So when that happens, if the other boat’s owner doesn’t carry insurance, or if they simply sail away before anyone can see who was responsible, then the dock owner is the one who’s likely to be sued. So it makes sense that dock owners are not going to want to risk that.

And of course, it’s just common sense to at least buy basic comprehensive coverage on your boat, and gap insurance if you’re still paying it off. A lot can happen out on the open waters, and you want to make sure that you’re protected.

If you’re still shopping around for boat insurance in Arlington, TX, get in touch with us at Rickey McGill Insurance Agency, and let’s see what we can do for you. You can stop by the offices, call us, or visit the Rickey McGill Insurance Agency website and we’ll get you the protection you need.

Do You Need Recreational Insurance?

Having too much fun is not a crime. Still, when that fun is accomplished on the back of a recreational vehicle, you want to ensure that you have recreational insurance to protect you against any potential liabilities. Whatever your preference in toys; whether it is boats, ATV’s, classic cars, motor homes, or something weird, we welcome your call to Rickey McGill Insurance Agency in Arlington, TX. We can help build an insurance policy designed to protect your active lifestyle.

Your Recreational Toys and Your Insurance

The value of peace of mind cannot be overstated, and that is true whether you are sitting on your couch and worried about your home, or camping and playing in the woods with your various recreational toys. In either of those two instances, sufficient insurance is the key to such a relaxed attitude.

Should something happen to your recreational vehicle while you and your family are out enjoying the weekend, the realization that relief is just a claim filing away. Typically speaking, this means that you will leave the house knowing that, at worst, you will only be responsible for covering any deductable. What is the best policy plans for your situation?  Let’s sit down and discuss your individual needs and situation.

Ask Our Team of Experts at Rickey McGill Insurance Agency

Rickey McGill Insurance Agency in Arlington, TX is staffed with a team of friendly, knowledgeable insurance agents who are looking forward to sitting down and having that conversation with you. Only you know what level of peace of mind you might need, but we are here to help you make those choices with an ideal policy. You should be able to enjoy your toys without worrying about problems should something go wrong, and that is our goal in formulating a policy for your recreational life.

Renters Insurance Coverage Options

Too many Arlington, TX renters rely on their landlord’s insurance to cover any losses faced due to fire, water damage, theft, and more. Unfortunately, as a landlord’s policy is geared toward protecting themselves against loss, many renters find themselves in trouble when tragedy does strike.

Here at Rickey McGill Insurance Agency, we want to be sure that you are taken care of, too. So, we designed this quick guide to help you understand the basic renter’s insurance options you have available to you.

Liability

Renters’ liability insurance is similar to auto liability coverage. If someone is injured on your property and you are responsible for it, or if someone else’s property is damaged and you are at fault, renters liability insurance may help cover the expenses up to your policy coverage limit.

Personal Property

Personal property coverage may help cover expenses of repairing or replacing personal objects if the damage or loss is due to a covered event. Personal property includes your possessions such as clothing, furniture, electronics, jewelry, and so on.

Your coverage is based on the value of that property and what you are covering. As we continuously purchase new things and the value of our possessions can increase or decrease, it is important to update your policy regularly. Otherwise, the amount of coverage you have may not be enough to help cover expenses you incur due to loss or damage.

Loss of Use

Should your residence be uninhabitable for some reason, such as a fire, loss of use coverage can help cover transportation to another location, hotel bills, and more. While your landlord likely has property insurance, there is no guarantee that his or her coverage will take care of living expenses for you should you have to stay elsewhere.

It is best to have your own protection in place so that you are not left out in the cold if the worst happens. You can later consider asking your landlord for help or even filing a lawsuit, but you must first be sure you have somewhere to stay in the meantime.

Renters insurance is a critical step in protecting yourself in the face of tragedy. Let Rickey McGill Insurance Agency of Arlington, TX help you get the protection you need.

Utilize Local Insurance Agency To Protect Your Motorhome in Arlington, TX

Having a motorhome can be fun, exciting, and essentially become your home full-time if that is what you choose. With such an investment as a motor home, you must have motorhome insurance to protect yourself legally as much as possible. 

We at Rickey McGill Insurance Agency are based in Arlington, TX, and are dedicated to going above and beyond for our clients. We have served residents in our area since 1877. When you are shopping for motor home insurance, here are a few details you need to know about. 

By Texas state laws, you are required to have at least liability insurance when your motorhome is on the road. Now, it is recommended that you look into full coverage options. However, you do not have to. Full coverage not only helps you cover the basics in the case of you being at-fault in an accident, but it also comes with collision and comprehensive coverage as well. In addition to the latter, as your motor home is a very important investment to keep safe, full coverage also covers other scenarios as well for you. Situations such as theft, storm damage (important for those that travel frequently), vandalism, hit and runs, and hitting an animal (unfortunately, this is a common situation that happens). 

Are you ready to speak with one of our agents to find suitable motorhome insurance? Our friendly agents will make sure that you are provided with all of the necessary information you need before and after you make your decision. To reach us in our office, please feel free to call us at (817) 861-3400. The team at Rickey McGill Insurance Agency in Arlington, TX are prepared to help you get started.

The Basics of Motorcycle Insurance in Texas

Any injuries sustained on a motorcycle are potentially much more severe than inside a car. The National Highway Traffic Security Administration found motorcyclists to be 26 times more likely to be injured than a passenger in a vehicle. The most common cause of motorcycle incidents are blindsided collisions. This can potentially cause severe injuries to the driver of the motorcycle. The most common type of injuries include damages to the spine or head, both extremely critical areas of the human body.

Motorcycle insurance is separate from auto insurance. One big mistake people make is to get less coverage for their motorcycle, which can be cheaper than a vehicle. However, it is important to note that when you have motorcycle insurance, you are not only protecting your own motorcycle but also protecting yourself, other people, and other people’s property. The rate of insurance will depend on the age and history of the diver, type of motorcycle, and the actual limits of the specific policy. High value or vintage motorcycles are expected to have higher premiums. Additional features such as roadside insurance can increase the premium, but they provide excellent value for the benefits they offer.

It is vital to get yourself educated on the basics of motorcycle insurance so you can make an informed decision. You can get education and guidance through a registered local insurance agency. Rickey McGill Insurance Agency serving Arlington, TX has agents that are well-versed in the legal requirements of the state of Texas. We can guide you through the policies that are most suited to your needs, goals, and preferences. We can guide you through the process and determine the level of coverage you should get in your situation. Rickey McGill Insurance Agency is certified and has a great reputation for getting things done. You can get in touch with our team in Arlington, TX by phone, e-mail, or stop on by and give us a visit.

When Should You Purchase Boat Insurance During The Year?

If you are a boat owner, you will likely need to have some boat insurance during the months when the boat is being used. But, when is the best time to purchase boat insurance during the year? Most people will have their boats in a dry dock or parked on their property when they are not using it. In this case, home or renters insurance may cover the boat.

Boat Insurance Coverage

If you are only planning to use your boat during certain months of the year, you can cancel coverage and buy a new policy before you put your boat in the water again. This strategy will help keep you from maintaining unnecessary coverage and then allows you to have the policy in place when you are ready to use your boat again. Before making any changes to the coverage, or buying boat insurance, consult with an experienced insurance agent.

Insurance Agencies

Having boat insurance in place is a requirement in some situations, but having the right amount of coverage requires the assistance of a skilled insurance agency with agents who know how these policies work. We can suggest the correct type of coverage or options that match your current needs. In addition, we can help explain all of the fine print associated with each policy so you can be informed about how coverage works throughout the year. Consult with Rickey McGill Insurance Agency serving the residents of Arlington, TX before settling on a policy. 

Call or stop by Rickey McGill Insurance Agency serving Arlington, TX to find out more about boat insurance and policy options. Our agents are ready to answer your questions and help you get started.

What You Should Know About Umbrella Insurance in Texas

You may have homeowner’s insurance, car insurance, and other types of insurance to protect your family and your assets, but what if your insurance needs go beyond your current coverage? In that case, umbrella insurance will provide the extra coverage that you need. At the Rickey McGill Insurance Agency in Arlington, TX, we help clients find the right policies. Here’s what Texas residents need to know about umbrella insurance. 

Umbrella Insurance Coverage  

In Texas and other states, you can get personal insurance coverage as well as commercial insurance coverage. What is umbrella coverage for? If you reach your coverage limit on another insurance policy, your umbrella insurance can cover the excess. Umbrella insurance has proven especially helpful for protection against lawsuits. Texas residents often choose umbrella insurance if their homes or businesses come with a significant lawsuit risk. For example, a lot of Texans have open land, swimming pools, and other properties that may lead to a lawsuit in case of injury. Umbrella insurance gives these homeowners and business owners some extra peace of mind. 

Texas Has Choices 

There’s no shortage of insurance choices in Texas. Your umbrella insurance options come in a wide range of coverage choices. All of these options can get complicated, and you’ll want to make sure that you get the right coverage for your needs. One way to make the most informed choice is to talk to an independent insurance provider. The right provider can help you match your umbrella insurance to your coverage needs. 

Rickey McGill Insurance Agency

Want to talk to an insurance agent about your policy options? The Rickey McGill Insurance Agency is ready to help. Contact us today, or visit our office in Arlington, TX. We’ll answer your questions and help you find your umbrella policy.

Why do I need condo insurance in Texas?

Congratulations on being a condo owner in the great state of Texas. Owning a condo is a significant investment, and like owning a free-standing home, it needs to be protected. Talking to the agents at Rickey McGill Insurance Agency in Arlington, TX can help you to be able to relax and enjoy your new home. There are several reasons that you need condo insurance; all of them are important. 

Condo association insurance

Your condo association carries a policy that covers the exterior of the building, so things like the roof and the exterior walls are not your responsibility. They also cover common areas like the parking lot and the community pool, gym, or hot tub. This is all great for you, fewer things to worry about. However, their insurance does not reach inside your walls.  

Your responsibility

If you have a mortgage, your lender will require that you carry condo insurance to protect their investment in your condo. You are personally responsible for your appliances, kitchen cabinets and countertops, bathroom fixtures, and anything inside the exterior walls. Your personal items are also your responsibility to cover, imagine losing your electronics, clothing, and furniture. Loss can come in a variety of ways, including fire and theft. 

Beyond just the loss of everything you own, you need to protect yourself against the possibility of someone being injured while visiting you. Being sued can cost you thousands, and your condo liability insurance will help to make sure that your assets remain safe. 

At the Rickey McGill Insurance Agency, our experienced staff is always ready to help to meet your condo insurance needs. If you live in or near Arlington, TX, why not give us a call or stop by our office for a no-obligation quote. You will be glad you did, and your condo will thank you too!