Getting insurance for your RV

In Texas you have to have basic insurance on your RV, just like you do for your automobile. This is particularly the case if it is a motorized RV. It must also be insured even when not in use if it is parked on your property. You also must have insurance for trailers that are towed by another vehicle you own. There are various classes of RV trailers, and the smaller ones may not require insurance, but most do.

Getting RV insurance is just like getting insurance on your automobile. The The Select Insurance Agency in Coppell, TX can help you find the policy you need for your RV.  Your car insurance will cover your liability if you are in an accident while towing the trailer. Of course, some RV’s have their own engines and are rolling homes. The liability aspect is covered under your automotive policy in this case.

A collision policy is the least expensive. This only covers major damage to your RV. It is the cheapest form of RV insurance and does not have any extras available. This will meet minimum requirements.

Comprehensive will cost more, but you get a lot more coverage. This will cover anything you want to file a claim for if it is damaged. You may also get different levels of coverage at different prices. You may choose a policy with a deductible, or no deductible. You can add things like roadside assistance.

When getting RV coverage, a lot depends on the RV and whether it is a motorized unit or a trailer. 

Visit The Select Insurance Agency in Coppell, TX and let them help you determine the type of coverage you need for your RV. Getting the right coverage can make a tremendous difference when you need it most.


Who Needs Boat Insurance?

Owning a boat can be a very fun and exciting experience. While it is largely a recreational vehicle, they are also expensive assets that should be properly covered.  For those that are in the Coppell, TX area, there are several types of people that need to have boat insurance.  

Those with a Loan on the Boat

If you have a loan that was used to buy or refinance your boat, you will likely be required to have some form of boat insurance on it.  Your loan agreement will likely require that your policy be for enough money to cover the replacement costs of the boat and the lender may require that it be added as an additional insured party to the policy.  

Those that Need Liability Coverage 

While liability insurance is not always required to drive a boat, you should still have a policy for the boat if you plan on using it recreationally. A boat insurance policy will provide you with liability coverage that will cover personal property, another party’s boat, and a certain level of medical coverage in the event you are found at fault in a boating accident.  

Commercial Boat Owners

If you own a boat that is used for a commercial purpose, having boat insurance would be very beneficial. These commercial boat insurance can even provide you with business interruption insurance in the event that your boat is damaged.   

For those that have a boat and are in the Coppell, TX area, one great option would be to work with The Select Insurance Agency. The Select Insurance Agency is a leading boat insurance provider and can carefully help you to determine your boat insurance needs. They can also provide you with a policy quote that will provide you with the right amount of insurance coverage.