arlington

Seasonal Storage Implications for Motor Home Insurance

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For most people, a motor home isn’t in constant use year-round. It’s driven in the warmer months, then parked once travel slows. Putting it into storage may seem like the end of responsibilities until next season, but insurance doesn’t go on pause. How coverage is handled during downtime can make a big difference if something unexpected happens. Your insurance representative at Rickey McGill Insurance Agency serving Arlington, TX, can help.

Coverage While Parked

It’s tempting to think insurance isn’t necessary once a motor home is off the road. The truth is, risks don’t disappear in storage. Fires, theft, vandalism, and even storm damage can occur when a vehicle is sitting still. Comprehensive coverage is what protects against these events, and dropping it during the off-season can leave you exposed to costly losses. Liability may not be as important while parked, but keeping broad protection in place is still the safer choice.

Tailoring Policies to the Season

Insurance companies recognize that motor homes are often used seasonally. Some offer storage-only coverage or adjustments that reduce liability while preserving comprehensive protection. These options can help lower your premiums without leaving gaps. Reviewing policies before storing a motor home makes it easier to find the balance between savings and security. One of our experienced agents can explain what works best for each situation.

Why Routine Checks Still Matter

Insurance helps, but prevention is always valuable. Checking on a stored motor home occasionally lowers your risk and can prevent claims altogether. For example, make sure your doors are locked, your covers are secure, and the facility is in good condition. Insurers take note when owners demonstrate good care, which may help with rates over time.

Seasonal storage is part of owning a motor home, but insurance should remain part of the plan. With the right coverage through Rickey McGill Insurance Agency serving Arlington, TX, and a little preparation, you can avoid unpleasant surprises and be ready to travel again when the season starts.

Insuring Your Home Away from Home: What You Need to Know About Condo Insurance

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Owning a condominium can offer an exciting retreat from your primary residence, without the full responsibility of maintaining a standalone house. However, it’s crucial to ensure your condo is adequately protected. Here’s what you need to know about condo insurance.

What is Condo Insurance?

Condo insurance, typically known as HO-6, is different from homeowners’ insurance. It works in conjunction with your condo association’s policy.

Usually, your condo association’s policy covers the overall structure of the building, as well as common areas such as hallways, lobbies, and the building’s roof. Their policy typically does not cover what’s inside your unit, including structural components like walls and flooring, appliances, and personal belongings. Understanding the details of your building’s insurance policy can help ensure that your personal HO-6 policy fully covers your condo.

What Condo Insurance May Cover

Your individual coverage will depend on your policy. Typically, condo insurance covers the gaps left by your building’s policy. Condo insurance may offer dwelling coverage for interior repairs, liability protection in the event that someone is injured in your unit, personal property coverage to protect against stolen or damaged belongings, and loss of use coverage in the event that you’re temporarily unable to access or use your condo due to damage.

Rickey McGill Insurance Agency: Proudly Serving Arlington

At Rickey McGill Insurance Agency, we’re proud to serve condo owners in Arlington, TX. Whether you’ve recently purchased your first condo or you’re looking for a new vacation home, we’re excited to get to know you and help you find the right policy for your needs. Reach out to us or stop by the office to chat and learn more about our coverage options.