Most people believe that their landlord’s insurance will cover them in the event of an accident or theft, but this is not always the case. Our renter’s insurance at Rickey McGill Insurance Agency in Arlington, TX, is designed to protect tenants from financial loss if their personal belongings are damaged or stolen. The following are scenarios in which your policy would provide coverage.

1. Damage Caused by a Neighbor

You are not responsible for damage caused by another tenant in your building, but their landlord’s insurance will not cover the repairs. If a fire starts in your neighbor’s apartment and spreads to yours, damaging your belongings, your renter’s insurance would step in to help pay for the repairs.

2. Water Damage

Landlords are responsible for maintaining the property and ensuring that it is up to code, but they are not responsible for damage caused by your negligence. For example, if you leave the water running and flood your apartment, your landlord’s insurance will not cover the repairs. However, your renter’s insurance would cover the damage to your personal belongings.

3. Theft

Your landlord’s insurance will not cover your belongings if stolen, but your renter’s insurance will cover the loss. It is important to remember that there is usually a deductible that you would have to pay before your policy kicks in. Hence, choosing a policy with a deductible that you are comfortable with is important.

Find The Right Tenants Insurance Policy to Protect Your Belongings

No one likes to think about the worst-case scenario, but it is always better to be prepared. If you are a renter, ensure you are protected by obtaining a renters insurance policy. At Rickey McGill Insurance Agency in Arlington, TX, we can help you find the right policy for your needs. Contact us today to get started.

Rickey McGill Insurance Agency is here for motor home owners in Arlington, TX, and the surrounding area. If you’re getting ready to store your vehicle for the winter, these helpful tips can help you make the process a smooth one!

Follow these tips when securing your motor home for the winter

Owning a motor home is a great way to travel and see our wonderful country. If you own a motor home and are getting ready to store it for the winter, follow these helpful tips and ensure that your vehicle will be ready to go in the spring!

1. Clean – make sure that the motor home is thoroughly cleaned before storing it for the winter. Take special care to remove all food and crumbs to prevent any bugs or insects from moving in!
2. Winterize – drain your water pipes and ensure all water has been removed from the vehicle. Any below-zero temps that may occur in the winter months can cause a freeze-thaw cycle that can damage any pipes that still have water in them.  
3. Secure – put up a windshield screen to protect your dash from any damage caused by sunlight. Be sure that your vehicle is locked and stored on level ground. It’s also a brilliant idea to take measures to avoid any infestation by rodents in your vehicle as well as under your hood and within the vehicle’s overall engine area. 

Give us a call today!

If you live in Arlington, TX or the surrounding area, give the team at Rickey McGill Insurance Agency a call for all of your insurance needs. We are here to help. Call or stop by today!

Protecting your RV with adequate insurance coverage is essential. Whether you live in your RV or travel in it occasionally, your RV is likely to be one of your most valuable possessions. That’s why insurance coverage is so essential. 

You should invest in three types of coverage as part of your RV insurance policy. 

Liability coverage

If you get in an accident in your RV and cause damage to other vehicles or property, you could be held liable for the resulting costs. 

Liability coverage covers costs to any other vehicles out on the road that may have resulted from an accident deemed your fault. Liability coverage also protects you from medical expenses resulting from accidents in which you are involved and are considered the "at-fault" party. 

Collision coverage

Your RV is a valuable investment. Collision coverage protects the value and condition of your RV.

When you have collision coverage, you can cover the costs of repairs to your RV after an accident. Collision coverage typically covers damage costs resulting from accidents with other automobiles. 

While collision coverage is an important type of coverage to carry, it will not cover damages resulting from numerous additional issues like vandalism, flood damage, and more. 

Comprehensive coverage

You can get even more coverage from your RV policy if you invest in comprehensive coverage. 

Comprehensive coverage offers additional coverage for damage costs involving your own RV. Comprehensive coverage covers the costs of damage caused by fires, accidents involving wildlife, theft, flooding, vandalism, or riots. 

At Rickey McGill Insurance Agency, we offer liability, collision, and comprehensive coverage on RV insurance policies. If you’re an RV owner in Arlington, TX, contact us to learn more about our policy offerings. 

 

According to the insurance agents at Rickey McGill Insurance Agency in Arlington, TX, securing a motorcycle insurance policy in Texas is not only required but also the right thing to do to be a responsible driver. While motorcycle liability insurance is required by law in Texas, there are also various other auto coverage options to choose from.

Liability Insurance

In Texas, it is illegal to operate a car, truck, SUV, or even a motorcycle on the road without proof of financial responsibility or proof that you have the required insurance in place. Minimum liability coverage will help pay for the damage you may cause in an accident to someone’s property or injuries they may suffer due to an accident.

Comprehensive Coverage

Comprehensive insurance coverage will help you pay to repair or replace your bike if it is stolen, damaged, or destroyed by some type of natural disaster, including a tornado or hurricane, a fire, or even an act of vandalism.

Collision Insurance

Suppose you collide with another vehicle or some sort of object and damage your motorcycle or cause damage to the other person’s property. In that case, collision insurance will be handy since it will help you pay for those damages.

As a side note, if you owe money on your motorcycle, your lender may require you to have both collision and comprehensive coverage, along with the liability insurance required by law.

Underinsured or Uninsured Motorcycle Insurance

While this type of coverage is not required in the state of Texas, it can be important to have if you become involved in an accident with someone who does not have any insurance in place or does not have an adequate amount of insurance to cover the damages to your motorcycle or for the medical bills from any injuries you may have to endure.

Contact Us

To secure the appropriate amount of motorcycle coverage, you need to contact an experienced motorcycle insurance agent to help you create a policy that will give you the peace of mind you deserve. Call today to start your policy with one of the agents at Rickey McGill Insurance Agency in Arlington, TX.

When you own a boat, there are a lot of risks that you face both on the water and out of it. There are many things that can happen to a boat to cause it damage, and you could be liable for accidents that damage other boats and watercraft. In Texas, there is no requirement that boaters must have boat insurance, but it’s smart to have it for your own protection. In addition, some marinas and bodies of water may require that you have insurance in order to use them. When you need a boat insurance policy, call us at Rickey McGill Insurance Agency in Arlington, TX.

Water Accidents

It’s always possible for collision accidents to happen on the water. If you should get into an accident on the water that is your fault, you will be liable for paying for the damage done to the other boat or medical bills if someone is injured. All of this can be highly expensive to pay for if you don’t have boat insurance. When you do have coverage, it can pay for all of these bills that are due so that you won’t have to come up with the money yourself. When you have this coverage, you will have better peace of mind every time you’re on the water. 

Other Boat Coverage

In addition to liability coverage, there are other types of coverage that can help protect you when you own a boat. Getting a policy type called comprehensive boat insurance will protect you against damage that can happen to your boat when you aren’t on the water. A number of risks to your boat exist on land, and you should be covered against them. You can also get property damage coverage that pays for things in the boat that are lost when you have an accident. 

Get Boat Insurance Protection

When you have boat insurance, you have protection. When you need this coverage call us at Rickey McGill Insurance Agency in Arlington, TX.

An umbrella policy provides additional coverage if the liability limits on your home or car insurance policy have been exhausted. The policies are designed to provide financial protection for the wealthy, but anyone can benefit from the security of extra insurance protection. 

It’s a form of liability insurance that provides extended coverage if your regular insurance policy limits have been exhausted. This extra layer of coverage can be either an endorsement of a standard insurance policy or a standalone policy. If in Arlington, TX, call Rickey McGill Insurance Agency. 

What Does Umbrella Insurance Cover? 

Suppose you get a car accident, and the at-fault driver’s liability limits only cover up to $300,000. In that case, your umbrella insurance may cover the remaining expenses up to the policy’s limit. The policy can be added to any existing policy to increase coverage or be purchased as a standalone policy. 

Umbrella policies can cover various risks, such as liability from a slip and fall accident, a mistake made by an employee, or a wrongful claim from a policyholder that exceeds the limits of the company’s liability coverage. 

The insurance steps in and picks up costs if you run out of liability coverage on other policies. It can help protect your assets and future finances if you are sued and found liable for something in a court of law. 

You can purchase umbrella insurance policies through your current insurance provider or look for supplemental coverage. The policy offers additional protection if you are sued and found liable for something that exceeds the limit. 

It typically kicks in when your standard policy maxes out, covering expenses that could exceed hundreds of thousands of dollars, if not millions. Umbrella insurance is generally recommended if you have assets that might be at risk. This includes your home, other real estate, savings, investments, car, significant jewelry, antiques, collectibles, expensive artwork, tools, and business property. 

Conclusion

This additional liability insurance can help protect you against costs and circumstances that could not have been predicted. Additional policy kicks in once your standard coverage limits have been exhausted. An umbrella policy covers you and your assets in an accident or incident where you are held legally responsible and must pay damages to another person or company. As with any insurance policy, it is essential to research your options and compare rates to find the best coverage at the most affordable price. If you live in  Arlington, TX, call Rickey McGill Insurance Agency. 

There are a few different condo insurance policies in Arlington, TX that you can choose from. Each type has its own benefits and drawbacks, so choosing the right one for your needs is essential. Here’s a look at the different types of condo insurance:

Single-Unit Policies

These policies only cover one unit in a condominium complex. If you live in a single-unit condo, you’ll need this policy. Single-unit policies typically have lower premiums than other types of condo insurance.

Multi-Unit Policies

Multi-unit policies may have higher premiums than single-unit policies. These policies cover more than one unit in a condominium complex. If you live in a multi-unit condo, you’ll need this type of policy. Your Rickey McGill Insurance Agency representative can help you determine the right policy for your needs.

Master Policies

A master policy is insurance that covers the entire condominium complex. Master policies typically have higher premiums than other types of condo insurance. If you live in a condo with a master policy, you may not need to purchase an individual policy.

Which Policy is Right for You?

As a single-unit owner, you’ll typically pay your dues to the condo association and have them purchase a master policy. But, you’ll still need to get your single-unit policy to cover your personal belongings and liability.

Multi-unit owners will also pay dues to their condo association, but they’ll need a multi-unit policy and the master policy. This type of policy covers your personal belongings and liability.

No matter which type of policy you choose, make sure you work with a reputable insurance agency, like Rickey McGill Insurance Agency, to get the coverage you need.

You can count on the Rickey McGill Insurance Agency team when it comes to life insurance. We serve the insurance needs of the greater Arlington, TX area and would welcome the opportunity to work with you too! Give us a call today to discuss your life insurance options. 

Life insurance for all life stages

As you progress through different life stages, your insurance needs can change. When you have a young family and are just starting your career, your needs will differ from when you are preparing for retirement.

If you are in retirement, you may only need coverage for burial expenses. In that case, a term policy might be sufficient. If you are relatively young and are building your financial foundation, a variable policy may fit the bill.

Life insurance can provide the protection you need throughout your entire life if you choose a policy that will adapt to your needs. Universal policies are often a good choice for people who have started building their financial foundation in the middle of their careers.

Knowing where you are, your current needs, and your future needs can help a local agent help you with your decision. Having reviewed all policy options in a more targeted manner can make the process much less daunting. 

Whatever type of policy you decide on, be sure that you get the protection you need!

Let us help you find the life policy that meets your needs!

Rickey McGill Insurance Agency understands that insurance needs can change. If you are a resident in the greater Arlington, TX area, we are here to assist with all of your insurance needs. Give us a call or stop by today.

Although cyber liability insurance is not required for small businesses, it does offer additional peace of mind. It protects you from the exorbitant costs tied to a cyberattack or incident that impacts your customers, employees, or business. 

With data breaches and cyberattacks on the rise, it is not a matter of if but when your small business is targeted. While breaches to major and publicly traded companies always make the noise, small businesses represent a lucrative attack vector for cybercriminals because these companies often lack robust cybersecurity policies and defenses. If your company is responsible for or stores sensitive information such as HR records, credit card data, social security numbers, or bank account information, you need a cyber liability insurance policy. Cyber insurance policies can help pay for the costs associated with:

• Regulatory fines
• Lawsuits from impacted customers
• Mandatory notification of affected parties
• Forensic investigation and mitigation of security flaws
• Credit monitoring services for impacted customers
• Loss of business stemming from negative PR

There are two main types of cyber liability insurance – first-party coverage and third-party coverage. First-party coverage helps pay for expenses when your systems or networks are attacked, while third-party coverage offers financial protection when a client sues your business for failing to prevent a breach at their place of work. 

At Rickey McGill Insurance Agency in Arlington, TX, we know that you’ve poured your blood, sweat, tears, and money into building your business. Consequently, we’re invested in making sure that you don’t suffer a debilitating incident that could leave your business struggling to survive. To that end, we’ll work tirelessly to customize a commercial insurance policy that meets all your needs. Give us a call today to learn more. 

Are you a recreational vehicle enthusiast? The team at Rickey McGill Insurance Agency can help you find the right insurance policy to cover your ATV. We serve all of the insurance needs of the greater Arlington, TX community, and would welcome the opportunity to work with you too!

Why you may need recreational vehicle insurance 

Many off-road vehicle enthusiasts think that they do not need insurance for their vehicles because they only ride them on private property. While there is some basis to this idea, it doesn’t tell the whole story. If you are riding on your land and have an accident, there are several policy types that can help cover medical expenses for yourself or a passenger, or damage to the vehicle, if the mishap is considered a covered event.

Incidents that occur on private property can still cause financial loss to you as the owner of the recreational vehicle. Additionally, in the event of vandalism or theft, certain policies can provide protection from losses. These are just a few reasons why it makes sense to look into an insurance policy for your recreational vehicle. There is no reason why you shouldn’t protect this type of vehicle the same way you protect your car or truck. Talk to your local agent today and find out more.

Let us help you with your recreational vehicle insurance today!

Arlington, TX area residents can rely on Rickey McGill Insurance Agency for any help they may need with insurance. Our team is here to assist you in deciding which policy and coverage level are right for your needs. Call or stop by today!