Based in Coppell, TX, The Select Insurance Agency assists the community by helping people find the insurance coverage that they need. As an independent insurance agency, we are able to analyze all of our client’s situations and help them find the insurance coverage that aligns with their goals.

Dental Insurance

Dental insurance allows you to maintain the health of your teeth and gums. The policy covers preventative care, such as regular cleanings. The policy also covers any X-rays, root canals, extractions, and fillings that you have done. In some cases, the policy will cover large procedures like crowns, inlays, and bridges.

You may have to amend your policy to provide coverage for getting braces, getting your teeth whitened or shapes, gum contouring, or veneers.  

If you have a dentist in mind that you would like to visit, you should be able to consult with them. However, if you are unsure about which dentist to choose, you have access to a network of dentists through your policy. Make sure that you are aware of the mandatory waiting period of the policy. Thoroughly research your policy before making a decision.

While individual policies often come with a short waiting period, group policies may have more benefits. Finding the right policy comes down to analyzing the overall health of your teeth. Also, research the policy to see about your coverage options if you have to go to the emergency.  In order to maximize the benefits of your policy, try to schedule appointments in advance throughout the year.

The Select Insurance Agency Can Assist You

 We understand that you want to maintain a bright and healthy smile, that’s why we will sit down with you and help you find the right dental insurance policy for your needs. Stop by our office in Coppell, TX today.

Any business owner in the Coppell, TX area will need to have several forms of insurance. One form of coverage to consider is worker’s comp insurance as it can benefit a company in several ways. 

Benefit to Employees

One of the advantages of getting a worker’s comp insurance policy is that it is a benefit for your employees. Being able to protect your team is something that all business owners should take seriously. One great way to do this is by getting worker’s compensation. This employee benefit will ensure that your team members will be financially covered and protected if they are injured while working on the job. While it is not required by law in Texas, it is still a valuable benefit that employees will appreciate.

Limits Liability Risk

An added benefit of a worker’s comp insurance policy is that it can limit your liability risk. If you have a team member that is injured while working, they will rightfully want to receive coverage for their injuries sustained and lost wages. If you do not have a worker’s compensation policy in place, the next place they will look is to pursue the business and owners for compensation. With worker’s compensation, you do not have to worry about this risk.  

Any business owner that has at least one or more employees in the Coppell, TX area should carefully consider their worker’s compensation insurance needs. When shopping for this insurance, it is easy to be confused by all of the options available. Fortunately, the team at The Select Insurance Agency can make this process easier for you. When you speak with The Select Insurance Agency, the team of insurance professionals will explain your options and help you to get into a policy that is ideal for your situation. 

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. 

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.

Umbrella insurance is mainly there to help you cover liability concerns in Coppell, TX. That is, you’re not going to be calling your umbrella insurance provider to cover your own damages in the event of an injury or a house fire, that will most likely be covered by your other policies, medical, home, auto, etc. Umbrella insurance is primarily there to provide protection in the event that other people’s injuries or damages exceed the limits of your other policies.

That is, umbrella insurance isn’t quite a safety net to catch everything, but a safety net to catch the most expensive costs involved with insurance.

Your home is going to be insured for what it’s worth, plus rebuilding costs if you have that covered. Your own injuries are unlikely to exceed a certain amount. But when it comes to other people’s damages and losses, that’s something that is very difficult to plan for. If you are found at fault in an incident costing hundreds of thousands of dollars in damages, that’s when umbrella insurance kicks in.

In other words, umbrella insurance is there for when your primary policies run out due to large liability claims. It’s unlikely that you’re going to exceed your limits when making a claim on your own damages, but when other people’s person and property are involved, there’s no telling what it might cost.

Exclusions on your umbrella policy may vary from provider to provider, so you’ll want to read the fine print, check your policy, and call your insurer with any questions you have.

If you’re shopping around for umbrella insurance in Coppell, TX, get in touch with The Select Insurance Agency. The Select Insurance Agency will be able to connect you with the protection that you need for peace of mind.

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.