Month: September 2025

What Coverage Does My Auto Policy Provide for My RV?

Posted on by AgentInsure

RVs are a popular choice for Coppell, TX, residents seeking weekend getaways or extended adventures to faraway destinations. Whether you travel in a motorized model, tow a trailer, or relax inside a spacious fifth wheel, it’s essential to ensure your insurance provides the coverage you need. At The Select Insurance Agency, we’ll help you find the right policy for your specific RV.

Understanding RV Types and Auto Insurance Coverage

One common question among new RV owners is whether their auto insurance covers their RV. The answer depends on the type of RV you own. While some RVs may have limited coverage under your auto insurance, others require a separate policy.

For motorized RVs, such as Class A, Class B, and Class C motorhomes, a separate RV insurance policy is necessary. These vehicles have unique coverage needs that differ from standard auto insurance. RV insurance typically includes liability coverage, personal item protection, and collision and comprehensive coverage. Additionally, if you use your RV as a full-time residence, specialized coverage similar to a homeowner’s policy is available.

If you own a towable RV, such as a fifth wheel, travel trailer, or toy hauler, your auto insurance may provide limited coverage while the RV is being towed. However, once the RV is parked, standard auto insurance does not apply. For these types of RVs, our agents can help you secure a specialized policy that includes liability, collision, and comprehensive coverage, ensuring your RV is protected at all times.

Contact Us

The Select Insurance Agency is here to help you hit the road with confidence. Whether you’re traveling near or far, we’ll ensure your RV is covered with the right insurance policy. Call us today to get started and enjoy peace of mind knowing your RV is protected from bumper to bumper.

Can You Use Toy Insurance For Motorcycles?

Posted on by AgentInsure

Toy insurance, also known as recreational insurance, is a versatile policy designed to cover a wide range of "toys." For many, this includes motorcycles. Understanding the details of these policies is crucial for determining the best insurance to meet your needs.

Toy Insurance

Toy insurance provides coverage for recreational vehicles, including pull-behind trailers and ATVs. These policies offer varying levels of protection, ranging from liability to comprehensive coverage, depending on the insurance provider. Some companies may only offer limited options, so it’s essential to consult with an agent at The Select Insurance Agency to ensure you have the right coverage.

Additionally, toy insurance often includes coverage for add-ons, which is beneficial if your vehicle has accessories or upgrades.

Motorcycle Insurance

Motorcycle insurance in Coppell, TX, is tailored for individuals who use their bikes for daily transportation on the road. These policies typically meet state guidelines automatically, ensuring you comply with legal requirements. Like toy insurance, motorcycle policies offer various levels of coverage.

Many motorcycle insurance plans include additional benefits, such as roadside assistance or higher bodily injury protection limits. Some providers also allow you to purchase extra coverage for accessories, ensuring they are protected in case of an accident.

Which One Is Right for You?

Motorcycle insurance is often the best choice for those who use their bike regularly for commuting or transportation. On the other hand, toy insurance may be more suitable for hobbyists or those who use their vehicles recreationally. Regardless of your choice, it’s crucial to ensure your policy meets state guidelines before hitting the road.

A professional agent at The Select Insurance Agency can help you decide which policy is right for you. We’ll take the time to understand your situation and recommend the coverage that best fits your needs. Contact us today to learn more. We proudly serve the Coppell, TX, area.

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