Month: April 2019

Coppell, TX is a great place to live if you have toys that you enjoy, like dune buggies, watercraft, golf carts and all-terrain vehicles. At The Select Insurance Agency, we have customers who enjoy all kinds of toys, some which they can only enjoy during the summer months when they have the right weather and the time to enjoy it.

If you’re like a lot of adults, you waited until you could afford the toys you enjoy, and you want to protect them now. But do you need to have a special policy to cover them when you don’t use them year-round? Will your homeowners policy cover them if you keep them stored in your garage most of the time?

What a Homeowners Policy Covers

Your homeowners policy is focused mostly on your home, meaning the structure and property itself. There is also coverage for your belongings inside the home, but there are limitations. For instance, your policy will cover your clothing and appliances, but will likely exclude expensive jewelry and artwork.

The same principle applies to your toys. Unfortunately, if you don’t have a special policy or at least an addition to your homeowners policy that specifically adds on your toys, they will probably not be covered if anything happens to them, or at least not for their full value. Even though they are in storage for most of the winter, they could still be damaged or stolen. 

If you live and play in Coppell, TX and you want to make sure you have the protection you need for your toys, call The Select Insurance Agency today and we can help you find the policy that best suits your needs.

RV insurance is something that all RV owners should have in their arsenal to help protect their RV and their investment in their RV. RV insurance covers a wide range of things and there are very few instances in which your RV insurance policy is not going to cover your RV if your claim is legitimate. That being said, there are some factors that do void an RV policy. If you live in the Coppell, TX area, the agents with The Select Insurance Agency can help you find the perfect RV policy.

There are a few different instances in which your RV policy will not pay out and one is if something happens to your RV that you could have prevented. This might mean that you parked your RV next to a ravine where you had already been warned that it might fall off and you left the parking brake off. This would be construed as intentional destruction. Arson is another instance in which you would not be able to get your RV covered. Your RV policy might also be voided if you intentionally do damage to your RV in the hopes of getting a policy paid out.

If you own an RV and have an RV policy on it, you need to make sure that if something happens you are able to make a claim that is going to be paid out and that is going to be valid. You should take the time to document what happened so that it can be sent to your insurance company so that they can determine if they are going to pay out the policy or not. If you live in the Coppell, TX area, the agents with The Select Insurance Agency can help you find the perfect RV policy.