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.  

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.

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.

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.

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.  

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. 

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.

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!