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. 

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.

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.

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!

Situations Where You Need Commercial Liability Insurance

When visiting your business, a client falls on loose carpeting, your employee leaves the water running in a customer’s home, someone files a lawsuit claiming misleading information in one of your ads — all these situations can lead to court battles and financial disaster if your Arlington, TX business isn’t properly covered.

To review your coverage to ensure it pays for the associated medical and legal expenses and punitive damages, call Rickey McGill Insurance Agency. In the meantime, here is some information on commercial liability insurance that every business owner should know

What Does Commercial Liability Insurance Cover?

Commercial liability insurance covers your legal defense and damages if you are held liable in a court proceeding. A lawsuit can have many negative impacts on your business and is one of the most frequently used types of coverage.

Bodily Injury and Property Damage Liability

Bodily injury and property damage protect you from legal liability and pay for bodily injury or property damage experienced by others. It covers events that occur at your place of business or elsewhere if the incident involves the negligent act of you or an employee.

Personal Injury and Advertising Injury

These types of coverage protect you from liability for several offenses, including libel, slander, copyright infringement, false arrest, wrongful evictions and using someone else’s ad ideas.

Medical Payments

This type of coverage includes injuries for non-employees due to an event that occurs on your business premises or as part of your business activities. Approved medical payments claims pay for surgical, medical, ambulance, hospital and funeral expenses for someone hurt or killed in an accident at your premises or deriving from your business operations.

Contact Rickey McGill Insurance Agency today to set up an appointment for a quote on general liability and other commercial insurance coverage for your Arlington, TX business.


Does Home Insurance Cover Roof Damage?

Discovering that your roof has been damaged is never fun. You may notice water stains in the attic or see visual damage as you drive up to your house. Roof leaks and other perils are written into many homeowners policies. However, one of the things your insurance company looks at is what caused the damage at your Arlington, TX property. Rickey McGill Insurance Agency can help you explore what options to choose to protect your home and belongings, but here’s some basic information on homeowners insurance to get you started.

Events That May Be Covered

It’s important to understand what is and isn’t covered by the policy you’re considering. Ask your agent about each policy’s open peril list. This list contains the types of events the insurer pays for, which may include fire and smoke damage, volcanic eruption, lightning, explosions, riots, vandalism, snow and ice weight, theft, bursting pipes, and many other events.

Open perils typically include most sudden and accidental incidents, unless the cause is specifically excluded in your policy. It’s not a good idea to file claims related to normal wear and tear since that’s considered a maintenance issue and the owner’s responsibility. For example, your insurance might pay for damage caused by a storm that topples a tree onto your roof. However, If the shingles on your roof are worn and the roof starts to leak as a result, you may have to fix the damage out of your own budget. 

Some events, like floods, are specifically excluded and require separate policies. Other hazards may be subject to varying coverage due to the risks in your area. Your agent is the best resource for understanding your options for hazards typically excluded from regular homeowners insurance. These events include landslides, mudslides, and earthquakes, as well as flooding, animal infestation, mold and foundation settling, and damage. 

Contact Rickey McGill Insurance Agency today for more information on the types of coverage available for your Arlington, TX home. Feel free to set up an appointment for a quote on covering roof damage and other events.