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.

When you live in the Coppell, TX area, understanding your personal liability risks and finding ways to protect yourself against them is pretty important. One way this can be done is by getting proper personal liability insurance. While you can get some coverage through a home or auto plan, getting umbrella coverage is also beneficial as it provides various advantages. 

Reduce Risk of a Major Claim

A primary reason anyone that is in Texas will want to have an umbrella plan is so they can reduce their risk of being named in a major claim. There will always be a chance that a liability claim can be larger than your current home or auto plans. Fortunately, you can also get an umbrella plan that will give additional liability coverage in excess of your current policies. 

Cover for More Scenarios

Getting an umbrella plan is also a good idea as it will give coverage for more scenarios. While you will get some liability coverage on your home or auto plans, this coverage does not protect against all of your liability risks. With umbrella coverage, you will get a broad range of liability risk mitigation that can cover claims not protected by your existing plans. This broad support will also provide valuable peace of mind. 

People all over the Coppell, TX area want to know that they have the right insurance. As you are looking for ways to protect against liability risks, starting your search by calling The Select Insurance Agency is a good option. Various complexities come with liability umbrella coverage, and The Select Insurance Agency will give any support you need to ensure you know your options and select the right policy. 

Anyone in the Coppell, TX area will have different personal insurance needs. While getting insurance to protect your assets and reduce liability risks is important, another valuable type of coverage to get is life insurance. When looking for coverage, there are various options to consider. Considering the benefits of both term and whole life coverage is crucial to decide which type is ideal for your situation. 

Term Life Coverage

For many people, a term life plan is an ideal insurance policy. With a term life insurance policy, you will have a certain level of coverage for a defined period. The term length available can range up to several decades, allowing people to customize their own policies based on their needs. Further, these plans tend to have lower premiums relative to the level of coverage selected. 

Whole Life Coverage

Another type of insurance to consider is whole life insurance. If you select a whole life plan, you will get the policy for the rest of your life. An added benefit of whole-life coverage is that some of your payments will build and accumulate in an account with interest. In the future, this account can be liquidated or used as collateral for a loan. This can make it a good alternative and low-risk investment option. 

People in the Coppell, TX area should spend the necessary amount of time evaluating their life insurance options and building an ideal plan. The Select Insurance Agency professionals can give the support needed to understand the differences between your insurance options. Based on the guidance provided by The Select Insurance Agency, you can then build an ideal policy that will give appropriate coverage. 

Dental insurance is a useful resource to have even if you only go to the dentist for your annual cleanings. Dental insurance has a lot to offer, helping you avoid paying out of pocket for dental work you absolutely need.

The Select Insurance Agency understands that dental insurance can be a difficult topic to discuss if you aren’t familiar with all the lingo. These are the words every Coppell, TX resident needs to know related to dental insurance.

Co-Pay

The co-pay is the amount of money you are responsible for paying at the time of service. For example, your insurance policy might have a $20 co-pay for dental cleanings. You will pay the co-pay at the time of your appointment, and then the dentist will bill your insurance company.

In-Network

As you browse insurance options, you will notice that some dentists are considered in-network while others are out-of-network. Usually, insurance provides more coverage for in-network providers. In some cases, out-of-network providers will get coverage at all. You should use this information to determine which dental providers you want to see.

Waiting Period

Unlike health insurance policies, dental insurance policies may have required waiting periods for specific types of coverage. For example, you may need to wait six months between buying insurance and getting fillings for your teeth. It is important that you read your insurance documents to familiarize yourself with the details.

Get Dental Insurance Information

Do you want to learn more about dental insurance? The Select Insurance Agency can help you choose the right policy to meet your needs. Our Coppell, TX clients benefit from knowing these basic terms and more. Contact our office to learn more.