If you’re renting a house, you might not think you need property insurance. After all, you don’t own the house and fixing or insuring the property is the landlord’s responsibility. And while a reputable landlord will certainly have homeowners insurance, never assume your landlord’s policy covers you. The tenant should also be insured for their personal property they store inside of the home. Luckily, The Select Insurance Agency, serving Coppell, Texas, has a variety of insurance policies to suit your unique needs.

Renters insurance includes protection for items of value including clothing, furniture, jewelry and expensive electronics. It may also include liability coverage for injuries and accidents caused by you through negligence. If your home is damaged, your insurance may cover living expenses if you need to rent elsewhere while the house is being repaired.

When thinking about your choices, keep your most valuable items in mind. You can get special coverage for things like irreplaceable antiques and fine art. A Replacement Cost Coverage policy is more expensive than an Actual Cash Value plan, but this plan gives renters more money for their losses. The Cash Value policy subtracts the age and condition of your insured property before paying out the claim.

If you pay for a higher premium, your replacement cost coverage can be more substantial. Named-Perils policies focus on specific events, like property lost in a fire or burglary. The All-Risk policies insure you in every situation, and they are therefore more expensive. However, you may feel more comfortable knowing that you are completely covered for the unexpected.

If you believe you are uninsured or underinsured, contact The Select Insurance Agency serving Coppell, Texas. They have an expert staff on hand to guide you in the right direction. You’ll feel the peace of mind that comes from knowing you’re protected.

RVs serve as homes to many families. Protecting your belongings and loved ones is probably at the top of your priority list. There are options to help keep you protected. The Select Insurance Agency in Coppell, TX can answer any questions you have about coverage.

Self Reliance

Make sure that your RV is in good working order. Keeping everything clean and all of the moving parts well maintained will help you to save money in the long run. Also, always have ample food, water, gas, and firewood.

Owning and operating an RV is similar to a motor vehicle, but there are differences to keep in mind in order to be safe. For example, RVs use air brakes, not hydraulic brakes, and the driver might experience a slight delay. Take it easy on the brakes and stay on top of any maintenance that needs to happen. This is a part that should be checked every 6 months to make sure everything is okay and to prevent any expensive repairs.

As well as being a moving vehicle, the RV has the added bonus of being a home. Home repairs that should be regularly maintained include roof maintenance. Prevent leaks and make sure all of the seals are tight. Be sure to clear it of any leaves or accumulated debris or snow. Putting a tarp over the top of your roof while it is raining will help.

Insurance Benefits

RV insurance keeps your mobile home covered while you’re on the road.  Take action to protect your investment and have services available that can potentially help you if you are driving the RV. Depending on the size of your RV, the policy will change. It is another step you can take to better take care of your home, family, and belongings. Contact The Select Insurance Agency in Coppell, TX today.

When it comes to insuring your toys, like ATVs, personal watercraft, and more, there are a number of good options for the right kind of policy. Toy insurance in and around Coppell, TX can be purchased through The Select Insurance Agency, where you can get the kind of service and quality you expect and deserve. It’s a great way to make sure you’re protected and talk with knowledgeable agents about the policy you need. These types of toys aren’t always covered on a standard vehicle or homeowners policies, so getting a different type of policy that’s specifically for them can be a much safer choice.

Be sure to tell your agent exactly what types of toys you have and want to insure, so you can get the policy that’s going to cover you the right way. In some cases, there are different types of requirements that have to be met, and you don’t want to make a claim and find out you aren’t covered. That can be a serious problem and one that could make you liable for damages. Instead of taking that risk, work with your agent and insurance company to get the kind of toy insurance you need, want, and can rely on.

That will give you more peace of mind when you insure your Coppell, TX toys, and choose The Select Insurance Agency also means you will work with knowledgeable agents who can answer all of your questions, and make sure you get the type of policy that meets your needs. Your toys are undoubtedly important to you, and you want to be able to enjoy them without worry about whether they’re covered properly. You can avoid all of that worry and risk with the right insurance company and agent on your side.

Life can be unpredictable. No matter how well you plan, things can go wrong. The Select Insurance Agency wants its Coppell, TX area neighbors to be financially secure, regardless of what life throws their way. Here are 3 ways an umbrella insurance policy can help you do just that.

• After many years as a hardworking professional, you’ve finally reached retirement. Between your savings, investment accounts, and pension payments, you have enough to live a long, comfortable life. If you are found liable for causing a car accident that results in loss, injury, or death, you could be held personally liable for any court-ordered payments. Your auto insurance policy may cover some of your costs, but medical bills and court costs can quickly drain your available funds. An umbrella insurance policy ensures unfortunate accidents don’t endanger your life plans.
• To celebrate a recently completed business expansion, you throw a cocktail party at your home for friends, family, and investors. During the festivities, one of the guests breaks their leg. They claim the accident happened due to your negligence. If a judge agrees, you could be liable for hefty civil and penal fines that could jeopardize your growing business. Would your existing homeowner’s policy cover any potential damages?
• A stroke of bad luck puts you in the path of a superstorm. In one night, your home, business, and automobiles are gone. The payouts from your various policies won’t be enough to cover the cost of rebuilding your whole life. Umbrella insurance puts enough money in your pocket to restore your properties and strengthen your community.

The Select Insurance Agency helps families and businesses in the Coppell, TX area protect their interest with customized insurance products. Contact us today to learn more about umbrella insurance policies.

The Select Insurance Agency wants to help out boat owners stay safe, this upcoming winter. Even if the season isn’t cold, radical weather changes can reduce a watercraft’s lifespan. They can also reduce the effectiveness of a boat insurance policy.

Our agents serving Coppell, TX want to give you a heads up about the cold weather. Check out their tips below.

Understanding Freeze Damage

Your boat insurance policy might not offer coverage for freeze damage. Fortunately, you can prevent freeze damage by winterizing your boat in advance. If a freeze is coming along, or if the weather is about to take a dip, temperature-wise, make sure your boat won’t be harmed by natural events not covered by your policy.

How Can Damage Reduce Your Policy’s Effectiveness?

If your boat is damaged in storage, on the water or on the dock, it’ll increase your future insurance policy premiums. Damaged boats and repair payments contribute to your overall liability as a boat owner. Even repaired hairline cracks contribute to this liability. If you’re considered to be a risky policyholder, you might not get the best rates available.

So, What Can You Do?

It’s a good idea to make sure your boat is stored properly. Cover it with proper ventilation, and try to prevent mold formation as much as possible. Get periodic inspections during the winter, too. Try to discover potential leaks before they occur. Then, let your insurance provider know about any preventative maintenance you’ve conducted.

You can also ask your insurance agent about policies which protect against winter damage. The Select Insurance Agency is here to help you. We want to protect our Coppell, TX residents, and we feel a little knowledge goes a long way. Keep your watercraft protected, and call us if you have any questions.

Owning a recreational vehicle is a great way to get outside and tour this amazing country. From the Grand Canyon to Mount Rushmore, there are sights best seen from the road while traveling at your own leisure. However, your RV is an entirely different vehicle from a standard car or truck, which is why you need to invest in RV insurance. So whether you live in or around Coppell, TX, the team at The Select Insurance Agency is on hand to help educate you on the importance of RV insurance.

It’s Not Just a Vehicle

Your RV isn’t just a vehicle. It’s a mobile home. It allows you to set up camp almost anywhere and live. With these differences, it requires additional insurance. From the appliances inside to the functionality of the shower, these are parts of the RV you won’t find in a truck or SUV. This means regular auto insurance will not cover the additional features of an RV. RV insurance will cover these additional aspects.

Not Always In Use

For many RV owners, the vehicle is not always in use. You may decide to put it into storage during the winter months or for certain times of the year. With RV insurance, you can designate times of the year where you want insurance coverage on the vehicle.

Your RV is a valuable investment. You need to protect it and care for it with the help of RV insurance. You’ll likely have plenty of questions as to what works for you and what will offer quality coverage for your vehicle. At The Select Insurance Agency, you’ll have all of your questions answered. So whether you live around or in Coppell, TX, now is the perfect time to give the insurance team a call.