tx

Roommates, Shared Bills, and Insurance: What Arlington Renters Often Overlook

Posted on by admin

Housing costs have increased drastically nationwide. This has led many renters in Arlington, TX, to consider roommates to make renting more affordable. That’s great, but it also introduces some additional risks when it comes to protecting your belongings and home. Many renters assume their policy automatically covers everyone living in the household, but more often than not, that’s not the case. Our experts at Rickey McGill Insurance Agency can help you understand when roommates are covered, or not covered, by your renters insurance.

Why Each Roommate Needs Their Own Policy

Living with a roommate complicates your insurance needs. Even if your roommate already has their own renters insurance, it won’t automatically protect your personal property. Their property is covered and only theirs. Each policy only covers the individuals named on it, meaning your furniture, clothes, and laptop are usually excluded. In shared spaces, this distinction is crucial, especially if theft, a fire, or water damage affects everyone’s property. Maintaining your own renters insurance guarantees:

  • Your possessions are covered, even if your roommates aren’t.
  • You’re covered if you cause damage or injure someone else. 
  • You have a place to stay if your unit becomes uninhabitable because your roommate started a BBQ in the living room.

How To Simplify Coverage With Shared Expenses

One benefit of living with a roommate is splitting certain bills. Renters insurance isn’t one of them. At Rickey McGill Insurance Agency, serving Arlington, TX, we can help educate each tenant on how to protect their belongings with the right renters insurance. Our experts will make sure that the policy fits your and their budget while keeping the coverage clear and separate. It often even makes sense for all roommates to coordinate and compare their policies to ensure everyone has the protection they need.

Protect Your Space and Your Peace of Mind

The bottom line? Before signing a new lease or adding a roommate to your existing lease, make sure your renters insurance is built for shared living. Contact Rickey McGill Insurance Agency to discuss your options. We’re currently serving Arlington, TX. 

Seasonal Storage Implications for Motor Home Insurance

Posted on by admin

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.