Is It Worth the Cost of Insurance If Your Toys Are In Storage?

The agents of The Select Insurance Agency serve the residents of Coppell, TX and the surrounding communities. They are able to answer many questions about insuring recreational vehicles, ATVs and other items that are commonly referred to as "toys". While these vehicles seldom hit the highway, they should still be insured. This is especially true if they are placed in storage for any length of time. 

Protect Your Investment

If you are leaving on vacation or you know you won’t be using your toys for several months, it’s a good idea to make sure they are properly prepared for storage. Give it a good wash and dry it thoroughly. Add a stabilizer to the gas tank and fill it up. Drain any water that may be in the system (jet-skis). Make sure it is properly lubed and greased to prevent the rubberized seals from drying out and cracking. You should also cover your vehicle to protect it from dust and other particles that may fall on it.

Maintaining Your Insurance Coverage

Always maintain insurance on your recreational vehicles while they are in storage. This will protect you from financial loss if they are stolen or damaged in any way. It will also protect you from any type of liability if your vehicle is stored in a public warehouse and someone is injured while moving it or caring for it.

If you live in the Coppell, TX area, call the agents of The Select Insurance Agency and talk to their licensed agents about insurance for all of your toys and recreational vehicles. They will be able to answer any questions you may have on how to properly store your vehicles and what options are available to keep them properly insured during that time.


Understanding RV insurance

RV’s are a great way to travel, and often people don’t put a lot of thought into insuring these valuable vehicles.  The Select Insurance Agency in Coppell, TX, we can help you sort out the types of coverage and get a policy that will give you the protection you need. 

First, it is important to understand the types of RV’s, and there are two basic types.  There are motor homes and travel trailers. A motorhome is an RV with a motor attached, basically a truck with the camper built in. For this type of vehicle, you need what amounts to another car policy since it is a vehicle in its own right.  For it to be classified as a motorhome it must also have heat, water supply, and some other conveniences. A  travel trailer is a camper that you tow with another vehicle. Insurance on a trailer can be added to your other automotive policies, or you can get one by itself. The travel trailer insurance is much cheaper.

The types of coverage are essentially the same as those of your automobile. Colorado requires some liability coverage. Things like collision coverage and other types are optional but could be very valuable especially if you have a highly valuable motorhome. Comprehensive coverage, just like with your car, covers everything else. This could cover a tree falling on your travel trailer while parked in your driveway during a storm, for instance. There is also vacation liability coverage available, which is a little different than normal liability coverage which covers you while on the road. Vacation liability is not required, but it covers you while your camper is parked at a campsite.

Stop by or call us at the Select Insurance Agency in Coppell, TX to learn more about how to get the right coverage for your RV. New customers are welcome, and we encourage existing customers to visit to make sure they have an up to date policy that meets their needs.