If you live in Coppell, TX, and own a motorcycle, ATV, boat (or watercraft), recreation vehicle, or motorhome, you may need toy insurance to keep yourself as protected as possible in the case of an accident. The Select Insurance Agency wants you to have all of the information you need about this policy and when it’s right for you. 

How You Use Your Toys 

When it comes to vehicles like a motorcycle, you know that you need coverage when you’re on the road. But what if you’re just taking your bike out to the backyard? What if you just use your ATV with your kids off the beaten track? It’s easy to think that you don’t need standard insurance if you’re just using your vehicles for fun. However, you’re still liable if an accident or property damage occurs, which is a more common occurrence than you might think in these situations. 

What Does Toy Insurance Do?

Toy insurance covers you much like a regular insurance policy would in the case of a collision or bodily injury. You can choose from several different kinds of toy insurance, depending on the type of coverage you need. In some cases, you may only want liability, which would be available for the other party if you’re deemed at fault for an accident. In other cases, you may want more comprehensive insurance so you always know you’re covered. 

Coppell, TX residents have every right to have as many toys as they want. After all, that’s what makes your neighborhood that much more fun. But it’s important to keep safety in mind in addition to the joy your toys can bring. Contact The Select Insurance Agency today if you want to learn more about available policies for you. 

At The Select Insurance Agency in Coppell, TX, we offer RV insurance. So, if you’re planning to buy or rent an RV, you should also prepare to purchase RV insurance because it is mandatory in Coppell, TX. Quite frankly, we are disturbed that up till now, many RV owners still purchase RV insurance only because it is mandatory.

So, they end up going for the minimum coverage. Apart from purchasing an RV insurance policy because it is required, we have provided you several reasons to purchase an insurance policy for your recreational vehicle.

What happens if your RV gets stolen, burnt, or vandalized?

Have you thought of the possibility that your treasure could get vandalized, stolen, or burnt? Nobody hopes for any of these but they happen. And that’s why it is smart to protect your investment against any of them. It could even be worse if you’re still paying for it and it gets stolen. The best time to insure your vehicle is now.

What if an uninsured driver runs into you?

You are just riding your vehicle slowly to your new camping location and everyone is having fun and all of a sudden, a careless driver rams his vehicle into you. Yes, it was established that he’s at fault, so he will fix your RV. But the silly guy didn’t purchase any insurance and he doesn’t have that amount of money.

So, what will you do? Sue him? Wait until he can raise some money? Take over his rickety vehicle? RV insurance protects you from uninsured and underinsured drivers. That’s why you should purchase a policy now.

You could run your RV into another vehicle

You may miscalculate and ram your vehicle into a stationary object or another vehicle. After all, no one is above mistakes. In that situation, you will fix the other motorist’s vehicle, pay the medical bills of the occupants of the vehicle, and fix your own vehicle later. Can you pay such amount of money from your pocket?

This is another reason to consider an RV insurance policy. By now, you should have realized that purchasing an RV insurance policy is in your interest. Don’t let what gives you pleasure become the cause of your bankruptcy.

Contact us at The Select Insurance Agency, serving Coppell, TX, and we’ll help you choose the best RV insurance policy.

Coppell, TX is a great place to live and buy a home. According to Niche, it is the best place to live in the Dallas Fort Worth Area. 73% of the residents own their own homes. Umbrella insurance is excess liability insurance that can be added to a policy that you already have like a home or auto policy. The Select Insurance Agency has been serving the DFW Metroplex for 15 years and as an Independent Insurance Agency, we are able to offer you products from a variety of carriers.  

The answer to the question is umbrella insurance just for the wealthy is no, you do not have to be wealthy in order to benefit from umbrella insurance. When you have home or auto insurance you have set liability coverage. If you have assets, this coverage may not be nearly enough to protect you. If you haven’t reviewed your coverage in a while or had your insurance agent review your coverage you could end up with a very sad wake-up call in the event that you have an accident or someone is injured on your property. 

What umbrella insurance does is to add a layer of liability protection above and beyond the limits on your original policy. In most cases, an umbrella policy will add between one and five million additional dollars of liability protection. With the cost of legal litigation and the size of judgments, if you have only basic coverage, you could end up losing all the assets you have worked so hard to accumulate. 

Coppell, TX is a great place to live but even in great places, bad things can happen. At The Select Insurance Agency, we would love to sit down with you and discuss how right an umbrella policy could be for you even if you are not wealthy. GIve us a call or stop by and let us quote this important coverage for you. 

Life insurance is an essential product that protects the financial future of your family. At The Select Insurance Agency, we offer a variety of options for life insurance policy purchases in Coppell, TX.

Unfortunately, a lot of consumers are misled by common misconceptions out there regarding life insurance. The following are three common misconceptions about life insurance to be aware of. 

A person who is healthy and young doesn’t need to buy life insurance.

You never know when accidents or unexpected medical issues can come up. You shouldn’t assume that you won’t experience one of these tragic events just because you’re young and healthy. Also, if you’re young and healthy coverage is probably going to cost very little and be easily affordable for you. 

Life insurance is very expensive.

If you start doing some research, you’ll probably be pleasantly surprised by how relatively inexpensive life insurance is. Those who are young and healthy can often buy term life insurance coverage for only around $10 a month. This is not a lot of money to have to pay considering how much your family could benefit from your coverage in the event of an unexpected death. 

If my employer provides life insurance, I don’t need additional coverage.

A lot of employers offer life insurance coverage for their employees. However, you really need to look at the details of any employer-sponsored life insurance coverage. This coverage might not be enough. Calculate the amount of life insurance your family needs to evaluate how adequate the policy you get from your employer is. 

You should research your options as much as possible before buying life insurance. You can consult us at The Select Insurance Agency for information on life insurance in Coppell, TX. Visit our website or give us a call to learn more. 

At first, it may seem like a silly question to ask if you should have insurance for vacant land; however, when you consider the details, this question is less simple than it first appears.

What is Property Insurance?

Property insurance is a general category and includes insurance for real estate, also called real property, and everything else called personal property. When land is held for investment purposes it is called investment property. There are many terrific reasons to have insurance on vacant land. Most have to do with value. Others have to do with the liability risk. 

Work with your agent at The Select Insurance Agency, serving Coppell, TX and all the surrounding areas, to understand how to use property insurance to have adequate protection for your investments.

Determining Value

An un-developed acre of desert land, with no services, no water, and nothing on it may be worth as little as $200. An un-developed acre of desert land with no services, no water, and nothing on it, if it is located on the world-famous Las Vegas Strip, may be worth more than $5 million. The land may be virtually identical in terms of quality. The enormous difference in value is simply due to the location.

An acre of land that is covered with old-growth trees that are a rare valuable wood, like mahogany, is worth much more than an acre of the same land that has already been clear cut. An acre of desert land covered with sand might at first seem almost worthless unless it is sitting on significant oil deposits and then it could be worth billions.

Determining Risk

Property owners sometimes learn the hard way that if someone gets hurt on their property, even if that person did something stupid and the injury was their fault, there still may be some liability for the property owner. America is lawsuit crazy, so make sure you have property insurance for your legal protection as well.

Summary

Yes, you want to have property insurance for vacant land for many reasons. Consult with your agent at The Select Insurance Agency in Coppell, TX to get a comprehensive insurance review, for property insurance of all kinds, and any of your other insurance needs.

Even though some may think of an all-terrain vehicle (ATV) as a “toy,” they may be quite valuable. A new one that is a major brand name unit can cost over $15,000. If, there is any custom work done, then, they can be worth even more than that. Just think about what you are going to do. You are going to take it out in the roughest areas and maybe drive it over a cliff. You best have good “toy” insurance if something goes wrong.

Getting an ATV Insurance Quote

The time to talk with your insurance agent is best before you buy an ATV to have insurance coverage from the minute you buy it. Call us to talk with your agent at The Select Insurance Agency serving Coppell, TX and the surrounding area.

Your agent will want to know the model and year, the price you paid for it, where you plan to use it, who will ride on it, and how to plan to transport it and store it. It is a wise idea to have your agent check your auto insurance to make sure that there is adequate coverage if you plan to use a trailer to tow it around.

Be Safe

When riding your ATV, always wear a helmet and safety gear. If not using it on your property, then, operate it only in areas where it is legal to use an ATV. Depending on the model, and whether it is registered with license plates, you may not be allowed to drive it legally on the streets. If you get in an accident while doing something illegal, usually your insurance will not cover the problem, so be careful.

Contact your agent at The Select Insurance Agency in Coppell, TX to get a quote for ATV insurance or for coverage of any other “toys” including your actual toys from childhood that are now valuable collector’s items.

Whether your family enjoys occasional camping outings or you are retired in Coppell, TX and want to travel full-time, as an RV beginner, there a few things to know before you head off on your first journey in an RV. Traveling by RV is a great way to see the country and to save money, but the first time you travel by RV it may seem slightly overwhelming. So, to help acquaint you with traveling by RV, The Select Insurance Agency has put together a few tips to consider before you head out.

Decide Whether to Rent or Buy

There are advantages and disadvantages to both renting and buying. Renting will allow you to pick up a clean and maintained RV just before you leave and renting will give you an opportunity to decide if you’re ready for the commitment of buying. If you plan to travel by RV regularly and you have a place to store the vehicle when you aren’t traveling, then buying may be the best option.

Get Familiar With the RV

One of the most important tips for RV beginners is you should take the time to get familiar with the RV. This means learning how an RV works, even if you are renting, you’ll need to know how to diagnosis and fix something if it breaks. Knowing your RV will help save you time and money and the better you know the RV, the less likely you will make operational mistakes.

Have Campsite Setup Checklist

One of the first things many RV beginners overlook is a campground routine. The routine will include everything from finding the ideal campsite to set up camp. Your campsite list should include:

• Carefully check the campsite for obstacles on the ground and low branches
• Park as close to the electrical, sewage and water hookups as possible
• Level the RV with stabilizing jacks
• Connect to the electrical hookups
• Attach to the drain hook-up (wear gloves)
• Set-up your campsite

It’s important for RV beginners to have a travel plan in mind before taking off. You should be aware of the roads you will be driving on and how the RV handles in certain weather conditions. Keep in mind that an RV is heavier than an automobile and it may take a few short drives to fully get the feel of handling an RV.

Residents of Coppell, TX interesting in learning more information about insuring your RV or to review your current policy, contact The Select Insurance Agency.