How to Maintain Your RV Before Camping This Summer

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If your RV is not properly cared for and maintained, some of the damage that occurs to it may be declined by your RV insurance company. An insurance company only needs to pay the costs of damage to bring your RV back up to where it was prior to the accident or incident, and if it was already in poor condition, that may mean not having to pay much. At The Select Insurance Agency, serving Coppell, TX, we went to help you to properly maintain your RV. Here are a few things you should do to help maintain your RV before taking it out camping this summer. 

Have Your RV Inspected By a Mechanic

Before you take your RV out, be sure to have it inspected by a mechanic. They can identify problems that may need to be fixed before they turn into bigger issues or become a safety hazard. 

Take the Time to Clean the Interior of the RV

After your RV has been sitting, it may be dirty and dusty inside. Take the time to thoroughly clean it out before you take it out camping. This is also the perfect time to check for rust or other signs of leaking along the roof of the RV. 

Pressure Wash the Exterior of the RV

Lastly, take the time to pressure wash the exterior of the RV. This helps to remove dirt, dust, mildew and other debris that can make your RV look old and tired, or damage the body. 

Now is also the perfect time to look over your RV insurance policy and ensure your coverages and limits still meet your needs. If you need to make any changes to your policy, or are looking for a new RV insurance policy, The Select Insurance Agency, serving Coppell, TX, can assist you. Call us today to get started. 

3 Ways Umbrella Insurance Protects Your Net Worth

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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.

How Cold Weather Can Hinder Your Boat Policy

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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.

Workers Compensation Insurance Keeps Your Employees Healthy and on the Job

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While you may view workers compensation as an added expense for your Coppell, TX commercial insurance from the Select Insurance Agency, in fact, it works to help your employees maintain their lifestyle when injured and all through recovery.  It is really an investment in the future of your company and the community.

Pays for Needed Medical Treatment

If one of your employees is injured on the job, on or off your property, your workers compensation policy ensures that all necessary medical treatment is paid for without any out-of-pocket expense on the part of the injured staff member. This way there is no hesitation to seek medical attention and your staff are able to better maintain their overall health.

Rehab and Physical Therapy is Included

Not only does your insurance take care of the emergency room, it also works with the doctors to ensure that the employee is given access to the rehabilitation and therapy needed to return to work.  They will be able to build up their strength without experiencing the added stress of being unable to afford the crucial part of their treatment. This avoids an employee trying to do too much too soon and ending up back in the hospital.

Employees Return to the Job Able to Work

Not only does the employee feel better about themselves when they receive the right support when injured, ultimately it allows them to maintain their lifestyle without entering into debt. Providing quality care leaves a lasting impression and supports your reputation. They’ll also be more productive, which in turn helps your business succeed.

In the end, when you work with your agent from the Select Insurance Agency to find the right workers compensation coverage, everybody in your Coppell, TX business will benefit.

Why You Need RV Insurance

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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.

What is Included in Auto Insurance?

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For those that drive a car in the Coppell, TX area, having auto insurance is a requirement and a necessity.  When you receive a full auto insurance policy that provides you with all of the available types of protection, you will receive several different types of coverage. 

Liability Coverage

When you purchase an auto insurance policy one type of coverage you will receive is liability insurance.  In the state of Texas, you are required to have bodily injury liability coverage of $30,000 per person and up to $60,000 per accident.  You are also required to carry minimum property damage coverage of up to $25,000 per accident.  This type of coverage will only provide coverage to the other party and will not cover any financial losses you incur.

Collision Coverage

If you want to have your vehicle covered if you are in an accident, you will need to have collision coverage.  If you are found to be at fault in an accident, your collision coverage will also cover the repairs of your vehicle.  It will also provide you with coverage in the event you are not at fault in an accident but the other party does not have insurance and doesn’t pay for your repairs. 

Comprehensive Coverage

Your auto coverage will also provide you with comprehensive coverage.  This type of insurance coverage will provide you with financial reimbursement in the event your vehicle is stolen, vandalized, damaged by storm and weather, or in an accident with an animal. 

For those that are in the Coppell, TX area and would like to better understand their auto insurance needs, meeting with The Select Insurance Agency would be helpful.  The Select Insurance Agency will help you to better understand your minimum requirements as well as what type of insurance pr

When Can You Claim Your Toy Insurance?

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The difference between boys and men is the price of their toys. Toy insurance is essential for owners of RVs, motorcycles, boats, and ATV’s in Coppell, TX. It is good to note that these are highly valuable and technical vehicles and that they can cause severe damage to persons and property. Toy insurance from The Select Insurance Agency is a fantastic thing to have since Texas tends to have favorable weather for numerous outdoor activities. Most of these “toys” are usually used in an unconventional manner such as speeding which increases one’s risk to be involved in an accident. So, when should you file a toy insurance claim?

When You Have Had an Accident and Someone Else is Involved

 You’re better off claiming your toy insurance in Coppell, TX when your toy is involved in an accident with someone else. For instance, if you are at fault and you hit the other person, he has the right to make a liability claim against you, and he can even sue you. With the Select Insurance Agency Toy coverage, you are entitled to a legal defense and coverage of the judgment against you up to a certain limit. Inform your insurance company even when the damage appears minor, and you and the other driver agree that you can settle everything yourselves since this approach can backfire.

When You’ve Had an Accident, and No One Else Is Involved

Let us assume that you hit a guardrail and your car is damaged. In this case, you are the one who is at fault and no one else is involved in the accident You should file a toy insurance claim if the damage to your vehicle is significant and it may require significant repairs. Don’t assume that the damage is minor and you may cater for the repairs off your pocket.

Do you own a valuable “toy” and want to insure it? Contact us today for a comprehensive toy insurance coverage.

Getting insurance for your RV

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In Texas you have to have basic insurance on your RV, just like you do for your automobile. This is particularly the case if it is a motorized RV. It must also be insured even when not in use if it is parked on your property. You also must have insurance for trailers that are towed by another vehicle you own. There are various classes of RV trailers, and the smaller ones may not require insurance, but most do.

Getting RV insurance is just like getting insurance on your automobile. The The Select Insurance Agency in Coppell, TX can help you find the policy you need for your RV.  Your car insurance will cover your liability if you are in an accident while towing the trailer. Of course, some RV’s have their own engines and are rolling homes. The liability aspect is covered under your automotive policy in this case.

A collision policy is the least expensive. This only covers major damage to your RV. It is the cheapest form of RV insurance and does not have any extras available. This will meet minimum requirements.

Comprehensive will cost more, but you get a lot more coverage. This will cover anything you want to file a claim for if it is damaged. You may also get different levels of coverage at different prices. You may choose a policy with a deductible, or no deductible. You can add things like roadside assistance.

When getting RV coverage, a lot depends on the RV and whether it is a motorized unit or a trailer. 

Visit The Select Insurance Agency in Coppell, TX and let them help you determine the type of coverage you need for your RV. Getting the right coverage can make a tremendous difference when you need it most.

 

Who Needs Boat Insurance?

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Owning a boat can be a very fun and exciting experience. While it is largely a recreational vehicle, they are also expensive assets that should be properly covered.  For those that are in the Coppell, TX area, there are several types of people that need to have boat insurance.  

Those with a Loan on the Boat

If you have a loan that was used to buy or refinance your boat, you will likely be required to have some form of boat insurance on it.  Your loan agreement will likely require that your policy be for enough money to cover the replacement costs of the boat and the lender may require that it be added as an additional insured party to the policy.  

Those that Need Liability Coverage 

While liability insurance is not always required to drive a boat, you should still have a policy for the boat if you plan on using it recreationally. A boat insurance policy will provide you with liability coverage that will cover personal property, another party’s boat, and a certain level of medical coverage in the event you are found at fault in a boating accident.  

Commercial Boat Owners

If you own a boat that is used for a commercial purpose, having boat insurance would be very beneficial. These commercial boat insurance can even provide you with business interruption insurance in the event that your boat is damaged.   

For those that have a boat and are in the Coppell, TX area, one great option would be to work with The Select Insurance Agency. The Select Insurance Agency is a leading boat insurance provider and can carefully help you to determine your boat insurance needs. They can also provide you with a policy quote that will provide you with the right amount of insurance coverage.  

Can You Add Umbrella Insurance to a Boat Policy?

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Umbrella insurance is a necessary thing for many people that do not feel they have enough coverage from the traditional policies that they are working with. In some cases, this type of extra coverage is not needed, in others, it is absolutely necessary in order to fully protect your assets. So, what can you add umbrella insurance coverage to? The answer may be surprising. For those that live in the Coppell, TX area, the agents with The Select Insurance Agency can help you find the right policy.

Put quite simply, an umbrella insurance policy can be purchased and placed on just about anything you can imagine. You can add this sort of coverage to your home, your car, or even your boat. This type of coverage is going to help give you extra protection should you need to add more coverage without having to change the existing policy that you hold. This is going to allow you to customize and tailor your coverage so that you get the best possible policy without having to take out more insurance with your existing insurance company that might have a higher premium.

Umbrella policies are often cheaper than typical policies and can help to make for a much easier way of protecting your belongings even if the perfect policy is not out there for you. An umbrella policy is going to allow you to take out more coverage on your boat for instance without having to raise your premiums on your current policy so that you can get more coverage without spending a ton more money each month. For those that live in the Coppell, TX area, the agents with The Select Insurance Agency can help you get the perfect umbrella policy every time.  

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