Toy insurance is the name of the insurance protection you need to cover recreational crafts and vehicles such as golf carts, all-terrain vehicles, snowmobiles, and more. You may be a great candidate for toy insurance if you own any recreational vehicles and don’t have them covered. Let The Select Insurance Agency experts, proudly serving Coppell, TX, help you determine what level of coverage you need. 

Toy Insurance Coverage

Recreational vehicles are an investment you want to protect from risks such as accidents, theft, fire, and other damage. Like you insure a vehicle you drive daily, you should also cover your four-wheeler, jet ski, or other recreational vehicles. This insurance also covers you if you have an accident with injuries. 

If you need toy insurance, you can contact a qualified insurance agent to discuss your current needs and have them match you with policies that offer the best protection. They can also help you with any changes to the policy or submit a claim for a covered event. We are here to help anytime you need us. 

Find Out More Today

The agents at The Select Insurance Agency look forward to providing the residents of Coppell, TX, and the surrounding areas with the insurance coverage they need to protect the things that matter. Don’t risk loss or liability while enjoying your toys. Get insurance that helps you protect yourself and your finances. Call or stop by our office today to speak to an agent and learn more about toy insurance and other quality insurance products we offer.

We look forward to serving you and helping you cover your investments. 

Whether you are considering taking your RV on an extended road trip or just a weekend getaway, one of the first questions to ask is whether your Coppell, TX insurance coverage extends beyond the U.S. borders. In this post, The Select Insurance Agency explains more.

Does My RV Insurance Cover Mexico? 

The answer to this question depends on your purchase policy and the company that wrote it. Many insurers offer an endorsement or rider that provides coverage for trips outside the United States, but this coverage will likely come at an additional cost.

It is also important to remember that Mexican law requires vehicles entering their country to have valid liability insurance issued by a Mexican company. This means that even if your policy covers you in Mexico, you will still need to purchase additional insurance once you cross the border.

Does My RV Insurance Cover Canada? 

Similar to trips into Mexico, most U.S.-based insurers provide an endorsement or rider, allowing customers to extend their coverage into Canada for an additional cost. However, unlike Mexican law, which requires vehicles crossing their border to carry additional insurance from a local provider, Canadian law does not make any such requirement for vehicles entering from the U.S. Therefore, if your policy covers travel into Canada, no additional insurance should be necessary for trips there.

There’s more to see beyond Coppell, TX! Before hitting the open road, though, it is important to know whether or not your current policy covers travel outside the United States (specifically Mexico and Canada). Contact The Select Insurance Agency for more details.

At The Select Insurance Agency, serving the greater Coppell, TX area, we provide insurance products, including life insurance, to our customers. We love to answer any of their questions, helping them make the right decision regarding their insurance policies. We are occasionally asked whether a life insurance policy can be split between two people, such as a new wife and an ex-wife. Read on to get the answer to this question. 

Can A Life Insurance Policy Be Split Between Two Parties? 

In many cases, you can split life insurance policies as you wish. Most policies allow you to name beneficiaries and list the percentage of the policy the individual will be given should you pass away. This allows you to split your policy between your children or a current and ex-spouse. 

What Are the Alternatives to Splitting a Life Insurance Policy? 

If you do not wish to split your life insurance policy, an alternative would be to obtain two different policies, listing the beneficiary as a different party for each policy. However, in many cases, it is more costly to have two policies than one with a higher payout amount. 

Life insurance helps protect your family in case you unexpectedly pass away early in life. If you have kids with two different people or have kids with your ex and have a new partner you want to provide for, you may need to split your life insurance payout, or you may need two separate policies to protect all of your loved ones. Regardless of the situation, the agents at The Select Insurance Agency, serving the greater Coppell, TX area, can help you. Contact us now to learn more. 

Each state has a marketplace for insurance, and Texas is no exception. The Texas dental marketplace is often the place to start for those who don’t have employer-provided dental or might need a supplemental policy. Unfortunately, we don’t need the mainstream media to tell us just how confusing some of these marketplace plans might be, which is why the Select Insurance Agency has some guidance on the Texas dental marketplace for those in Coppell, TX, and the surrounding area.

Dental Plans with or without Health Coverage

Dental plans are sold both with and without health coverage. Purchasing a plan that includes health coverage may help you to get a bundle discount, but it could also result in unneeded coverage. If you get a combined policy, you will have a single monthly payment, whereas if you get a separate dental plan, you will have more than one payment.

Dental Plans with High or Low Coverage

Texas marketplace plans have two primary types – high and low coverage options. High coverage plans are more likely to cover expensive dental work such as crowns or bridges and have a lower copay. These plans will also have a higher monthly premium. Low-coverage plans are easier on the budget and work well for those most concerned about regular cleanings and minimal repairs.

Pediatric Dental Coverage

Pediatric dental coverage for those under 18 is often very affordable. The law requires that you are offered pediatric dental coverage, but you do not have to accept any of these policies. 

The Select Insurance Agency serves Coppell, TX. Please don’t wait until you get tooth pain; take charge of your dental health and contact us today!

Do you have children? If so, you know they can be rough on their toys. One day they are playing with them, and the next, they are broken. It’s enough to make any parent want to pull their hair out.

Luckily, there is a solution: toy insurance. What is toy insurance, and how does it work? This piece will discuss everything you need to know about toy insurance to decide if it’s right for you.

What Is Toy Insurance?

Toy insurance covers your expensive toys and fun items and can help you avoid costly repairs or replacement costs. These toys include collectibles, heirlooms, and other play things with high sentimental and financial value to you. You can also insure recreational vehicles, expensive antique electric guitars, and other things you and your family enjoy.

How Does It Work?

Toy insurance typically covers accidental damage, theft, and loss. If you or your child accidentally breaks an insured toy, the insurance company will reimburse you for the cost of repairs or replacement. The same goes for theft and loss – if the toy is stolen or lost, you will be compensated up to the amount you were insured for.

Some insurers also offer coverage for wear and tear, meaning that you will be reimbursed for repairs even if the damage is not accidental. However, this type of coverage is typically only available on higher-end policies.

What Are the Benefits of Toy Insurance?

The main benefit of toy insurance is that it can save you a lot of money in the long run. If you have an expensive toy that your child loves, it is worth insuring it so that you are not left with a hefty bill if something happens to it.

Another benefit is that it can give you peace of mind. Knowing that your toys are covered in case of an accident can help you to relax and enjoy your time with your family without having to worry about the cost of repairs or replacement.

Finally, toy insurance can be a great way to protect your investment. If you have a collection of antique toys or other high-value items, insuring them can ensure that you get compensated if they are damaged, stolen, or lost.

Cover Your Expensive Toys With Toy Insurance Today

If you’re interested in toy insurance, contact The Select Insurance Agency of Coppell, TX. We would be happy to help you find the right policy for your needs. Whether you want to cover your child’s favorite toy or an entire collection, call us at 972 315 7299.

Located 24 minutes northwest of Dallas, our agents at The Select Insurance Agency in Coppell, TX stand ready to help you insure one of your most essential possessions: your RV. Founder Todd McShann takes great pride in providing excellent customer service. D Magazine named Todd a Best 100 agent five times. Depending on where you travel throughout the year, your RV insurance needs to cover you for monsoon damage, hail, burst water lines, UV rays, and physical or chemical damage to the trailer hitch, suspension, or underbelly.

How Does RV Class Affect Insurance?

Class A motor homes run between 21 and 45 feet long. They have the same chassis as a commercial bus, truck, or motor vehicle. Class C motor homes, on the other hand, feature van noses with a sleeping area above the cab, while Class B motor homes resemble a long custom van, about 16 to 22 feet long. Since Class B motor homes cost more to build, they also cost more to repair and usually require higher premiums and deductibles than a regular van if you want replacement value.

Types of Damage by Class

Class A motor homes have the highest chance of severe damage in storms or other natural disasters if stored outside. However, their large size and greater height limit indoor storage options, making them even more likely to suffer damage. Class C homes sit closer to the ground, risking underbelly and suspension damage. Class B motor homes have stronger roofs, sustaining less damage if stored outdoors.

Please speak with one of our highly-qualified insurance agents today: The Select Insurance Agency in Coppell, TX, serving the entire Dallas/Fort Worth area, to learn more about insuring your RV during storage. Call (972) 315-7299 or Email service@rgtlp.com for a free consultation about your RV insurance needs.