Why Do I Need Toy Insurance?

Many people love to ride around in off-roading vehicles and snowmobiles. These ATVs and golf carts can be a lot of fun, but they can be dangerous. If you own one of these, you may want to consider insurance.

Here are some reasons why you need toy insurance.

It will cover the cost (or some of it) to fix or replace the toy if something happens. Just like automobile insurance, your toy insurance will cover the cost to fix or replace your toy if it is badly damaged. 

It will also cover your medical bills. If you or another passenger gets seriously injured while out riding, your insurance will help cover medical bills. 

It can also protect you if you get sued by another passenger. If your passenger gets injured (or you hit someone, and they get injured), they may decide to sue you over your carelessness. Your insurance will help to cover legal fees. 

If you damage property while you are out riding, you will be protected. If you hit a fence or some other piece of property, your insurance will help to cover the cost of fixing it. 

You may also need to have insurance in order to ride certain places. There are many fun trails that you can ride. However, you will need to have your insurance paperwork along, in order to enjoy the ride. 

Just like automobile insurance, toy insurance is there to protect you. Whether you get injured, damage your ATV, or even damage property, it will make sure that you are well protected. 

If you are unsure if you need insurance for your toys, you should contact us today at The Select Insurance Agency in Coppell, TX. 

4 Terms to Know About RV Insurance

RV insurance is one of the most beneficial resources you can take on the road with you. The Select Insurance Agency, which serves Coppell, TX, understands the complexities of getting RV insurance for the first time.

If you are interested in getting RV coverage, there are a few terms you should be familiar with first. Here are a few keywords you need to know.

Liability Coverage

Liability coverage for RV insurance is similar to liability for auto insurance. Liability coverage covers damage that you are determined to be at fault for.

Personal Property & Attachment Coverage

Personal property and attachment coverage covers your own personal items and anything that is attached to the RV. This is a type of insurance coverage that will cover those items if they are damaged.


A full-timer is somebody who uses their RV more than half the year. You may have to inform your insurance company if you begin to use your RV for more than half of the year, as this could make a difference in the kind of insurance coverage you need.

Personal Effects

Your personal effects are the items inside or outside of your RV. These are the items that you own and store in your RV or put immediately outside of your RV when you are camping. These items may or may not be covered based on your specific policy.

Get RV Insurance Today

If you are curious about RV insurance, it’s important that you speak with a professional about your insurance options. If you are ready to get a new policy that covers your needs, call The Select Insurance Agency to get a policy for your Coppell, TX vehicle.