3 Things You Need To Know About Rec/Toy Insurance

Recreational toys are a great way to spend time with friends and family and make good memories. However, this fun can’t be complete unless your recreational vehicles are properly insured. At The Select Insurance Agency serving Coppell, TX we understand that life is better enjoyed when you can have peace of mind. Keep reading to learn 3 things you need to know about rec/toy insurance. 

It Is Required In Most States

In order to operate certain recreational vehicles, state law may require the vehicle to be insured. These rules are put in place to better protect you, the owner, as well as anyone who may use your vehicles, or anyone who may be involved in an accident with your vehicles. In order to best understand your state’s rules concerning this, you will want to sit down with a knowledgeable insurance professional to discuss which coverage you need. 

It Saves You Money In The Long Run

Many people want to avoid insurance coverage in an effort to save some money. The truth is, though, in the long run not having insurance can cost you far more money. If your recreational vehicle is involved in an accident, you will be responsible for the costs of repair or replacement. In addition to this, if your vehicle causes injuries to another person you could be held liable for their medical expenses. If this type of incident turns into a legal battle your finances could be in jeopardy. 

It Protects Your Investments

You have invested money into your recreational toys. Keeping them protected under an adequate insurance policy will protect this investment. Adequate insurance coverage also protects your other assets by safeguarding you from liability. 

If you would like to learn more about recreational toy insurance, please call our friendly staff today at The Select Insurance Agency serving Coppell, TX. 

Dispelling RV Insurance Myths

Before purchasing RV insurance in Coppell, TX, it’s important to know the facts. Misconceptions about RV insurance can cause you to make serious mistakes in your coverage. By working with an agent from The Select Insurance Agency, you can ensure you’re getting accurate coverage. We’ll help dispel RV insurance myths so you’ll have the facts to make wise RV insurance decisions. Here are some of the most common myths people believe about RV insurance.

Myth: Your RV is covered by your home or auto insurance. 

Fact: RVs require their own insurance policy. Your home insurance may offer some protection while your RV is parked on your property. It won’t, however, protect you on the road. If you plan to use your RV for road trips or vacation travels in Texas, you’ll need a separate RV policy.

Myth: Your RV insurance protection can be the same as your auto insurance. There’s no need for specialized RV coverage.

Fact: RV insurance offers additional coverage above what’s offered by auto policies. This is because RVs have distinct protection needs, both at home and on the road. An investment as costly as an RV should have as much protection as possible. As an RV owner in Coppell, TX, you can take advantage of the following specialized coverage:  

  • Full Replacement Cost Coverage
  • Full-Time RVer Coverage
  • Emergency Expense Coverage
  • Personal Effects Coverage

Myth: Minimum liability insurance is enough to protect you against RV accidents.

Fact: Although Texas requires that RV drivers carry minimum liability coverage, minimum coverage won’t protect you against serious accidents. As RV’s have the potential to cause extensive damage to others in an accident, we recommend you purchase more than just the minimum coverage.

To get an RV insurance quote or purchase an RV policy, call or visit The Select Insurance Agency today.