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 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.

A Look At Some Common Misconceptions About Motorhome Insurance

Rickey McGill Insurance Agency proudly serves the Fort Worth and Arlington, TX community by offering different types of insurance coverage. We strive to help our clients find policies that will allow them to protect their assets.

Motorhome Insurance

Having a motorhome is a fun way to travel around Arlington, TX. However, you must protect your asset. Motorhome insurance covers you if your motorhome collides with another vehicle or animal. You’ll also be protected if your motorhome is stolen or damaged due to a severe storm. However, while you are researching different motorhome insurance policies, be aware of some common misconceptions.

Many people believe that motorhome insurance isn’t necessary because they can cover their motorhome under another policy. This is a mistake. Having a specific motorhome insurance policy is the only way to ensure that your motorhome will be fully covered. Also, keep in mind that your policy may differ based on the type of motorhome that you have. Not all policies are the same.

It’s important that you are fully aware of the type of RV that you have. Class A motorhomes are large enough to fit an entire family. Class B motorhomes are smaller and considered more efficient. Class C motorhomes are considered mid-tier sized. Make sure that your research policies are specifically designed to cover the type of motorhome that you have. If you are renting a motorhome, do not rely on the owner for coverage. Make sure that you have your own policy in place. You should also take into account the location where you will be operating your motorhome. If you plan to store it somewhere for a while, you may need different coverage than constantly driving your motorhome around.

Rickey McGill Insurance Agency Will Help You Protect Your Assets

Visit our website today to learn more information about motorhome insurance.  

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.


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.

Safe Driving Tips for New RV Owners

If you’re used to driving a small car, navigating an RV through Texas traffic can be a challenge. By taking some practice runs around Arlington and beyond, you can become more accustomed to your RV before hitting the road. These RV safety tips from Rickey McGill Insurance Agency in Arlington, TX can also help you enjoy safer RV road trips.  

Plan Your Routes for Easier Travels

When you drive an RV, factors like low bridges, narrow roads, and congested city traffic can make a big difference in your travels. By planning your routes, you can avoid situations that make maneuverability more difficult as a new RV driver. Even buying gas can be tricky in an RV. Look for gas stations that provide you with ample space for reaching pumps and parking.

Driving Habits

Your driving habits will be different in an RV than a compact car. Your turns will need to be wider to avoid hitting the curb or crossing into the lane of another driver. Braking will take more time, so you’ll have to start braking sooner and maintain longer distances behind other drivers to avoid rear-end collisions. As you’ll be going slower, you’ll also need to be on the lookout for impatient drivers who will try to pass you at any given moment.

Watch the Weather

Driving an RV in severe rain or windstorms, on icy roads, or in foggy weather can be treacherous. Before hitting the road, listen to the weather forecast to avoid driving in bad weather. If you do hit inclement weather during your road trip, be ready to find a safe place to stop and wait it out.

RV Insurance for your Next Trip

Make sure you have ample RV insurance coverage to protect you on the road. For quality RV coverage at affordable costs, contact Rickey McGill Insurance Agency in Arlington, TX.