Does My RV Insurance Apply in Mexico and Canada?

Whether you are considering taking your RV on an extended road trip or just a weekend getaway, one of the first questions to ask is whether your Coppell, TX insurance coverage extends beyond the U.S. borders. In this post, The Select Insurance Agency explains more.

Does My RV Insurance Cover Mexico? 

The answer to this question depends on your purchase policy and the company that wrote it. Many insurers offer an endorsement or rider that provides coverage for trips outside the United States, but this coverage will likely come at an additional cost.

It is also important to remember that Mexican law requires vehicles entering their country to have valid liability insurance issued by a Mexican company. This means that even if your policy covers you in Mexico, you will still need to purchase additional insurance once you cross the border.

Does My RV Insurance Cover Canada? 

Similar to trips into Mexico, most U.S.-based insurers provide an endorsement or rider, allowing customers to extend their coverage into Canada for an additional cost. However, unlike Mexican law, which requires vehicles crossing their border to carry additional insurance from a local provider, Canadian law does not make any such requirement for vehicles entering from the U.S. Therefore, if your policy covers travel into Canada, no additional insurance should be necessary for trips there.

There’s more to see beyond Coppell, TX! Before hitting the open road, though, it is important to know whether or not your current policy covers travel outside the United States (specifically Mexico and Canada). Contact The Select Insurance Agency for more details.

Can You Afford to be in An Accident? Get Auto Insurance

Do you live in the Coppell, TX area? Are you a licensed driver? Make sure you have car insurance. The Select Insurance Agency can help.

Very few of us could afford the fallout following a car accident. The medical expenses, lost wages, and the possible lawsuit that could result can be devastating financially. Car insurance provides financial protection.

If you are at fault in an accident, you could be held responsible for the expenses resulting. This could include legal fees, the injured party’s medical costs, or their lost wages if they cannot work. The liability portion of your policy will help pay for these expenses. Liability coverage is standard in most vehicle policies.

The collision portion of the policy helps pay for damage done to your car after an accident, regardless of who is at fault. If someone rear-ends you, the damage is covered. If you rear-end someone, the damage is covered.

Comprehensive coverage helps cover the expenses of any damage to your vehicle in a non-collision accident. This would include damage due to vandalism, theft, weather events, or natural disasters. For example, if you are parked in your driveway, and a huge tree branch falls on the roof of your car during a storm, this coverage will help pay for the cost of repairs to your roof.

It is illegal to drive without car insurance in 48 out of 50 states. State law mandates the amount of liability coverage each driver needs to have. Don’t risk driving without this coverage. You could lose your license and be fined a hefty amount.

The Select Insurance Agency can provide you with a quote or answer any questions. Contact our office today. You will be glad you did.

Why You Need Home Insurance

Owning a home is a huge responsibility. Part of that responsibility is always to have a home insurance policy. This is a crucial way to protect your home and meet your lender’s requirements. Today, all lenders require a home buyer to have a home insurance policy for it. Your home insurance protects you and your home in several important ways. If you don’t have home insurance, it’s time to get it right now. Call us at The Select Insurance Agency in Coppell, TX.

Home Coverage

Your home is worth a lot, making it important to protect that investment. When you have home insurance, it gives you dwelling protection which is essential to have. If a damaging event occurred and your home became damaged or destroyed, your home insurance would pay for the necessary repairs. If a covered event destroyed your home, the policy would even pay to rebuild the whole house. No homeowners should be without a home policy.

Liability Coverage

There are many other types of protections afforded by home insurance, one of which is protection against liability. As the property owner, you would have to pay for someone’s medical bills if they got injured while on your property. It’s essential to stay covered against this type of occurrence so that you aren’t left paying exorbitant medical bills on your own. 

Item Protection

Your home insurance also covers all of your belongings. It’s valuable coverage that you need to protect you against the loss of your possessions. The things you own are worth quite a bit, so they need to stay protected by your insurance policy. 

Get the Protection of Home Insurance

Call us at The Select Insurance Agency in Coppell, TX when you need a home policy.

Can You Split a Life Insurance Policy Between a New Wife and an Ex-Wife?

At The Select Insurance Agency, serving the greater Coppell, TX area, we provide insurance products, including life insurance, to our customers. We love to answer any of their questions, helping them make the right decision regarding their insurance policies. We are occasionally asked whether a life insurance policy can be split between two people, such as a new wife and an ex-wife. Read on to get the answer to this question. 

Can A Life Insurance Policy Be Split Between Two Parties? 

In many cases, you can split life insurance policies as you wish. Most policies allow you to name beneficiaries and list the percentage of the policy the individual will be given should you pass away. This allows you to split your policy between your children or a current and ex-spouse. 

What Are the Alternatives to Splitting a Life Insurance Policy? 

If you do not wish to split your life insurance policy, an alternative would be to obtain two different policies, listing the beneficiary as a different party for each policy. However, in many cases, it is more costly to have two policies than one with a higher payout amount. 

Life insurance helps protect your family in case you unexpectedly pass away early in life. If you have kids with two different people or have kids with your ex and have a new partner you want to provide for, you may need to split your life insurance payout, or you may need two separate policies to protect all of your loved ones. Regardless of the situation, the agents at The Select Insurance Agency, serving the greater Coppell, TX area, can help you. Contact us now to learn more. 

Is Texas Marketplace Dental Insurance the Right Fit?

Each state has a marketplace for insurance, and Texas is no exception. The Texas dental marketplace is often the place to start for those who don’t have employer-provided dental or might need a supplemental policy. Unfortunately, we don’t need the mainstream media to tell us just how confusing some of these marketplace plans might be, which is why the Select Insurance Agency has some guidance on the Texas dental marketplace for those in Coppell, TX, and the surrounding area.

Dental Plans with or without Health Coverage

Dental plans are sold both with and without health coverage. Purchasing a plan that includes health coverage may help you to get a bundle discount, but it could also result in unneeded coverage. If you get a combined policy, you will have a single monthly payment, whereas if you get a separate dental plan, you will have more than one payment.

Dental Plans with High or Low Coverage

Texas marketplace plans have two primary types – high and low coverage options. High coverage plans are more likely to cover expensive dental work such as crowns or bridges and have a lower copay. These plans will also have a higher monthly premium. Low-coverage plans are easier on the budget and work well for those most concerned about regular cleanings and minimal repairs.

Pediatric Dental Coverage

Pediatric dental coverage for those under 18 is often very affordable. The law requires that you are offered pediatric dental coverage, but you do not have to accept any of these policies. 

The Select Insurance Agency serves Coppell, TX. Please don’t wait until you get tooth pain; take charge of your dental health and contact us today!

Three things you might not know about workers comp insurance

Business owners must be adequately informed about their workers’ comp insurance needs. Those who run a business in Coppell, TX can purchase workers comp insurance from The Select Insurance Agency. 

The following are three things that business owners might not be aware of regarding workers comp insurance. 

Workers comp insurance is required for many companies.

Many companies have to invest in workers comp insurance to protect their employees. Workers comp insurance is one of the most commonly required and basic types of insurance that many companies carry. 

The exact responsibilities of a company regarding workers comp insurance depend on state laws where a company operates. 

Workers comp benefits are typically not taxed.

One of many advantages workers enjoy when they are compensated for a work injury by workers comp insurance is untaxed benefits. In most cases, workers’ comp insurance payments are exempt from taxes. However, there are some exceptions. For example, social security disability benefits may be taxed. 

Workers comp coverage can provide coverage for numerous types of injury. 

Workers comp insurance is a comprehensive benefit for workers who experience injuries. This type of coverage can compensate employees who experience various types of injury.

Some of the many on-the-job injuries for which workers comp benefits include slip-and-fall, overexertion, and repetitive motion injuries. 

If you’re on the market for workers comp insurance in Coppell, TX, we can assist you with meeting your insurance needs at The Select Insurance Agency. Contact us today to ask questions or get quotes on a workers comp insurance policy. 

Commercial Insurance Required in Texas

When you own a Texas business, there are specific laws about the type of commercial insurance you may require. While the state doesn’t mandate some of the types required in other states, you can get any kind of commercial insurance that you need, even if it isn’t required. If you need commercial insurance in Coppell, TX, you can give us a call at The Select Insurance Agency to find out more. 

Commercial Auto Insurance

This type of insurance is required for your business if it owns a vehicle. All Texas business-owned vehicles must include a few different kinds of coverage in their policies. The state mandates that these policies have to contain property damage liability coverage as well as bodily injury liability coverage. These protections pay for the damage done to someone else’s vehicle and the medical bills incurred by someone else after an accident. This is essential coverage to protect your business from lawsuits and substantial medical bills that it could be liable for. If you have a personal auto insurance policy on a company-owned vehicle, the policy will not likely pay after an accident. 

Workers’ Compensation Option

Unlike most states, Texas does not require its business owners to have workers’ compensation insurance for a company’s employees. But, it’s a good idea to get this insurance anyway. Suppose someone were to have an accident while on the job. Your business would likely be liable for all their medical bills and lost wages. These can be paid to your employee by the policy instead of coming straight from your business. 

Get Commercial Insurance for Your Business

To get the insurance you need in Coppell, TX, call us at The Select Insurance Agency.

Toy Insurance 101: Everything You Need to Know

Do you have children? If so, you know they can be rough on their toys. One day they are playing with them, and the next, they are broken. It’s enough to make any parent want to pull their hair out.

Luckily, there is a solution: toy insurance. What is toy insurance, and how does it work? This piece will discuss everything you need to know about toy insurance to decide if it’s right for you.

What Is Toy Insurance?

Toy insurance covers your expensive toys and fun items and can help you avoid costly repairs or replacement costs. These toys include collectibles, heirlooms, and other play things with high sentimental and financial value to you. You can also insure recreational vehicles, expensive antique electric guitars, and other things you and your family enjoy.

How Does It Work?

Toy insurance typically covers accidental damage, theft, and loss. If you or your child accidentally breaks an insured toy, the insurance company will reimburse you for the cost of repairs or replacement. The same goes for theft and loss – if the toy is stolen or lost, you will be compensated up to the amount you were insured for.

Some insurers also offer coverage for wear and tear, meaning that you will be reimbursed for repairs even if the damage is not accidental. However, this type of coverage is typically only available on higher-end policies.

What Are the Benefits of Toy Insurance?

The main benefit of toy insurance is that it can save you a lot of money in the long run. If you have an expensive toy that your child loves, it is worth insuring it so that you are not left with a hefty bill if something happens to it.

Another benefit is that it can give you peace of mind. Knowing that your toys are covered in case of an accident can help you to relax and enjoy your time with your family without having to worry about the cost of repairs or replacement.

Finally, toy insurance can be a great way to protect your investment. If you have a collection of antique toys or other high-value items, insuring them can ensure that you get compensated if they are damaged, stolen, or lost.

Cover Your Expensive Toys With Toy Insurance Today

If you’re interested in toy insurance, contact The Select Insurance Agency of Coppell, TX. We would be happy to help you find the right policy for your needs. Whether you want to cover your child’s favorite toy or an entire collection, call us at 972 315 7299.

How Much RV Insurance Should I Have When It Is in Storage?

Located 24 minutes northwest of Dallas, our agents at The Select Insurance Agency in Coppell, TX stand ready to help you insure one of your most essential possessions: your RV. Founder Todd McShann takes great pride in providing excellent customer service. D Magazine named Todd a Best 100 agent five times. Depending on where you travel throughout the year, your RV insurance needs to cover you for monsoon damage, hail, burst water lines, UV rays, and physical or chemical damage to the trailer hitch, suspension, or underbelly.

How Does RV Class Affect Insurance?

Class A motor homes run between 21 and 45 feet long. They have the same chassis as a commercial bus, truck, or motor vehicle. Class C motor homes, on the other hand, feature van noses with a sleeping area above the cab, while Class B motor homes resemble a long custom van, about 16 to 22 feet long. Since Class B motor homes cost more to build, they also cost more to repair and usually require higher premiums and deductibles than a regular van if you want replacement value.

Types of Damage by Class

Class A motor homes have the highest chance of severe damage in storms or other natural disasters if stored outside. However, their large size and greater height limit indoor storage options, making them even more likely to suffer damage. Class C homes sit closer to the ground, risking underbelly and suspension damage. Class B motor homes have stronger roofs, sustaining less damage if stored outdoors.

Please speak with one of our highly-qualified insurance agents today: The Select Insurance Agency in Coppell, TX, serving the entire Dallas/Fort Worth area, to learn more about insuring your RV during storage. Call (972) 315-7299 or Email for a free consultation about your RV insurance needs.

What is the advantage of having umbrella insurance in Texas?

When you live in the Coppell, TX area, understanding your personal liability risks and finding ways to protect yourself against them is pretty important. One way this can be done is by getting proper personal liability insurance. While you can get some coverage through a home or auto plan, getting umbrella coverage is also beneficial as it provides various advantages. 

Reduce Risk of a Major Claim

A primary reason anyone that is in Texas will want to have an umbrella plan is so they can reduce their risk of being named in a major claim. There will always be a chance that a liability claim can be larger than your current home or auto plans. Fortunately, you can also get an umbrella plan that will give additional liability coverage in excess of your current policies. 

Cover for More Scenarios

Getting an umbrella plan is also a good idea as it will give coverage for more scenarios. While you will get some liability coverage on your home or auto plans, this coverage does not protect against all of your liability risks. With umbrella coverage, you will get a broad range of liability risk mitigation that can cover claims not protected by your existing plans. This broad support will also provide valuable peace of mind. 

People all over the Coppell, TX area want to know that they have the right insurance. As you are looking for ways to protect against liability risks, starting your search by calling The Select Insurance Agency is a good option. Various complexities come with liability umbrella coverage, and The Select Insurance Agency will give any support you need to ensure you know your options and select the right policy.