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5 Mistakes People Make When Buying Recreational Vehicle Insurance

When it comes to recreational vehicle insurance, there are a few things that people tend to get wrong. Unfortunately, making these mistakes can cost you a lot of money later on. InsPeak in Arlington, TX offers this guide in navigating this important coverage.

Here are five mistakes to avoid:

1. Not Getting Enough Coverage

One of the most common mistakes people make when it comes to RV insurance is not getting enough coverage. Many people think their regular auto insurance policy will cover their RV, but this is often not the case. RVs are classified as either motorhomes or trailers, and each one requires a different type of insurance. It’s important to ensure that you’re getting the right kind of coverage for your RV, or you could end up being underinsured.

2. Not Reading the Policy Carefully

It’s important to read any policy carefully before committing to it. This is especially true for RV insurance, as there are often a lot of exclusions and conditions that apply. If you don’t read the document carefully, you could end up being caught out later on.

3. Buying from the First Company You Find

When it comes to RV insurance, it’s important to shop around and compare different policies before you decide on one. Many people make the mistake of buying from the first company they find without doing any research. This can be costly, as you could end up overpaying for your coverage.

4. Omitting or Exaggerating Details

Omitting or exaggerating information on your application can invalidate your policy and leave you without any coverage at all. Be sure to disclose everything upfront so there are no surprises later on.

5. Not Asking About Exclusions

Every RV insurance policy has exclusions, and it’s important to know what they are before you buy a policy. If you’re not sure about something, be sure to ask your agent or broker. Not knowing about an exclusion could leave you without coverage when you need it the most.

These are just a few of the most common mistakes people make when buying RV insurance. Insuring your recreational vehicle doesn’t have to be complicated or expensive, but it is important to do your research and choose the right policy for your needs. If you’re looking for RV insurance, InsPeak in Arlington, TX can help. Call us today for a free quote.

Common Misconceptions About Renters Insurance

If you rent a home or apartment, you may never have thought about insurance. The truth is that it’s important to have coverage in the event of a disaster like fire, theft, vandalism, or water damage. Unfortunately, many people don’t have renters insurance because they have the wrong information. InsPeak Insurance in Arlington, TX is here to dispel some of the common misconceptions about renters insurance. 

Common Misconceptions About Renters Insurance

1. My Landlord’s Insurance Will Protect Me

Your landlord’s insurance will only cover the building itself, not your belongings. For example, in the event of a fire, your landlord’s insurance would pay to rebuild the structure, but your possessions would be lost unless you have renters insurance.

2. I Don’t Need Coverage If I Don’t Own a lot of Stuff

Even if you don’t own a lot of possessions, you could still lose everything in a disaster. A fire, for example, can spread quickly and destroy everything in its path. So, regardless of how much stuff you own, it’s important to have coverage.

3. Renters Insurance Is Too Expensive

The cost of renters insurance is typically very affordable, especially when you compare it to the cost of replacing your belongings. So, don’t let the cost keep you from getting coverage.

4. Renters Insurance Covers Everything

Renters insurance does not cover everything. For example, it does not cover damage caused by flooding. Be sure to read your policy carefully to make sure you are fully covered in the event of a disaster.

5. It Only Covers Personal Belongings

Renters insurance also covers liability coverage, which can help protect you in the event that someone is injured while on your property. Some also come with a loss of use coverage, which can help you pay for temporary housing if your home is damaged in a disaster.

Get Renters Insurance in Arlington, TX

Hopefully, this post has dispelled some of the common misconceptions about renters insurance. If you are still not convinced that you need coverage, be sure to speak with an InsPeak Insurance agent to find out how much it would cost you and what your policy would cover.

What is recreational insurance?

You might think of a fun hobby, a big trip, or an enjoyable lifestyle activity when you think of recreational insurance. However, recreational insurance covers you on vacation differently by protecting everything from campers to recreational vehicles to off-road machines and more. Whether you live in Arlington, TX, or elsewhere, your RV needs to be insured and registered to drive it legally. If you are pulled over and found not to have insurance, you are subject to a fine, license suspension, and jail time.

I know what you’re thinking – why isn’t my recreational vehicle included on my home or auto policy? It can be, but that’s probably not the best way to do so, and it likely won’t offer the protection you need. For example, an RV can be added to a home insurance policy and is covered so long as it is never taken on interstate trips, but let’s face it – you bought your RV to travel with, not stay in your driveway. 

Recreational insurance offers many of the same components as traditional auto insurance, including liability, collision, comprehensive, and uninsured/under-insured motorist coverage. When deciding how much coverage to purchase, you’ll likely want more than you have for your day-to-day vehicle as an RV is far more expensive, making repairs and potential damage extremely high. 

Whether you are shopping for a new policy or have just bought your first recreational vehicle, let the knowledgeable team at InsPeak in Arlington, TX help you find the perfect recreational insurance policy for your needs. Give us a call today to schedule a no-obligation consultation to learn more about our insurance offerings and to meet our talented staff.

How Renters Insurance Covers Luxury Items

InsPeak helps Arlington, TX residents find coverage. We are committed to helping our clients find policies that align with their individual needs. We provide our clients with multiple options to ensure that they are covered in any situation. We recognize that searching for insurance can be a complicated process. That’s why we are here to assist you. 

How Renters Insurance Covers Luxury Terms

If you are staying in an Arlington, TX rental property, renters insurance is an asset. Renters insurance covers your personal belongings if they are damaged or stolen. Accidents can happen at any time. That’s why it’s important to have protection. Renters insurance covers you if your personal items are damaged in an accidental fire. Liability coverage is important. Liability coverage protects you if you invite a guest over, and they suffer an injury. You are also covered if you accidentally damage your neighbor’s property.

As you move in, it’s important to take inventory of your personal items. All of your clothes, electronics, and furniture hold value. Renters insurance covers you if those items are stolen and need to be replaced. However, things are more complicated if you have luxury items at your rental property. If you have expensive art, jewelry, and furs at your rental property, you will need extra coverage in order to fully cover those items. The South is known for having severe weather occur on a regular basis. If your rental property is damaged due to severe weather, your luxury items are not covered unless you have extra coverage.

InsPeak Will Help You Protect Your Belongings

Visit our website to learn more information about renters insurance.  

Texas RV Insurance Requirements

Because you drive your RV, just as you would drive any other automobile, the state minimum auto insurance requirements apply to RVs, too. InsPeak, serving Arlington, TX, can help you obtain the appropriate coverage for your RV.

If you drive your RV on the Texas roads, you need to insure it for liability and property damage plus personal injury protection (PIP). The minimum insurance required includes:

  • bodily injury coverage in the amount of $30,000 per person per accident,
  • bodily injury coverage in the amount of $60,000 per accident total,
  • property damage coverage in the amount of $25,000 per accident,
  • PIP coverage in the amount of $2,500.

While the first three coverages protect those on the road with you, the PIP coverage protects you. In case you have a single-vehicle accident, your medical treatment is covered by the PIP up to $2,500.

Of course, you also need to protect your RV in the case of a single-vehicle accident or damage caused by a peril, such as a hail storm. For that you need to add on to the minimum required insurance. This would include collision and comprehensive coverages.

Collision coverage protects you from financial loss when your RV collides with anything – fence, mailbox, deer, etc. The deer or mailbox won’t have insurance coverage, but you will. This coverage pays for your RV’s damage repairs or its replacement if it gets totaled.

Comprehensive coverage protects your RV in cases of perils, such as rockslides, thunderstorms, hail, etc. When Mother Nature does damage to your RV, your comprehensive coverage picks up the bill for the repairs or replacement.

If you don’t drive your RV on Texas roads but instead park it and reside in it full time, you’ll still need RV insurance, but a type called full-timers. It covers your RV like homeowners insurance covers a house.

Contact InsPeak serving Arlington, TX, for more information on RV insurance. Let us help you insure your vehicle to meet the Texas legal requirements.

3 Common Risks For Renters

Renting your home comes with a lot of perks. You can let someone else worry about property insurance and taxes, as well as many major maintenance jobs. However, there are some risks involved with renting. At InsPeak we are all about educating our clients and future clients in Arlington, TX on their insurance needs. Let’s look at 3 common risks for renters. 


If you are a victim of a burglary in your rented home or apartment, you will be responsible to pay for any property of yours that is lost or damaged. The property insurance held by your landlord will not cover your personal belongings. 


During a fire, the renter’s personal property will not be replaced or reimbursed by the landlord. The only thing covered under the landlord’s property insurance will be the property that they own. 

Natural Disaster

During a natural disaster such as a tornado, earthquake, or hurricane, any of your personal belongings damaged or lost will not be covered by the landlord’s insurance. 

What Can Renter’s Do?

If you rent your home, you should consider renter’s insurance. This type of insurance policy will protect your personal belongings in the event there is a burglary, fire, or natural disaster. 

You can talk with an insurance representative to learn about how much renter insurance you will need. This amount is often based on the value of your personal belongings. The representative will be able to help you assess the value of your possessions in order to create the appropriate policy for you. 

If you would like to learn more about our services, or if you are interested in renter’s insurance products, please contact us at InsPeak serving Arlington, TX and the surrounding areas. 

Do I really Need RV Insurance?

Since you want to get the convenience of home while exploring the country, you have gone ahead and invested in a recreational vehicle. Congratulations! You are about to immerse yourself in a world of limitless fun. But amid the excitement, have you thought about RV insurance? If your mind is still undecided, InsPeak of Arlington, TX, is here to guide your thoughts.

Is RV insurance needed in Texas?

It depends. If your RV is motorized (can propel itself), RV insurance is mandatory just like your vehicle. However, if your RV is towed, it is covered by the car insurance of the vehicle towing it. But whether RV insurance is compulsory or not, it’s a must-have investment.

Why do you need RV insurance?

As mentioned, you need RV insurance to comply with the requirements of Texas. However, you also need RV insurance to cover you in the below areas.

Liability protection

No matter how careful you are on the road, accidents can still happen. And if you are at fault, you could face significant liability claims that can hurt your finances if you haven’t invested in RV insurance.

To protect your asset

Since your RV act as a home and vehicle, acquiring it must have cost you blood, sweat, and soul. As such, it makes sense to protect your asset from perils like accidents, fire, theft, and other natural disasters.

For peace of mind

RVs are meant to be fun. But how can you have fun if you are always thinking about the consequences of an accident? Luckily, RV insurance can take away your worries because you know you are protected whenever the unthinkable happens while having fun.

Buy RV insurance today!

Shopping for RV insurance in Arlington, TX? Why don’t you get in touch with InsPeak for all your RV insurance options? We will provide you with coverage that protects you, your vehicle and your passengers at all times!

Benefits of Having Umbrella Insurance

Umbrella insurance is a type of insurance that provides protection beyond existing coverages and limits of other standard types of insurance, including home insurance or car insurance. Umbrella insurance provides additional protection and peace of mind. If you are not sure whether you need this type of insurance or not, InsPeak insurance agency serving clients in Arlington, TX prepared a list of benefits of this insurance that you should take into consideration: 

Advantages of Carrying Umbrella Insurance

Here is a list of benefits of this type of insurance:

  • It protects your assets. If you are involved in an accident that involved serious property damage and you think that your standard insurance will not be able to cover everything, it is good to have umbrella insurance that will protect you over and above the limits of your standard insurance policy.
  • Umbrella insurance provides you with liability coverage. If a visitor or guest gets injured on your property and decides to sue you, you will feel safe if you have umbrella insurance because it will cover all the legal costs and protect you from a devastating lawsuit. 
  • Umbrella insurance is affordable. Most umbrella insurance policies are not expensive, so you will be able to afford them. 

If you are a resident of Arlington, TX or any other town nearby you are looking for a trustworthy insurance agency to buy an umbrella insurance policy, InsPeak will be glad to assist you and help you find a policy you need. At InsPeak, we also specialize in other types of insurance. Feel free to visit our website or give us a call – our insurance agents will answer your questions. 

Is Supplemental Health Insurance a Good Choice?

Is your health insurance policy not entirely up to your expectations? Then, it might be time to consider supplemental policy help seriously. This type of improved coverage can help to pay for many things. And we at InsPeak can provide Arlington, TX residents with the coverage that they need.

What is Supplemental Insurance? 

High-quality supplemental health insurance is designed to improve the quality of your current policy by paying for things that it may not cover. This type of policy is often available from many providers and can be paired with your current coverage to cut back on expenses and other factors. 

The type of policy protection you’ll get varies depending on what supplement you purchase. Sometimes, you can get a comprehensive package that handles many needs. Or you may have to add single supplemental types to your current policy, as needed. When set up correctly, it can:

  • Help pay for lost wages 
  • Provide coverage for transportation 
  • Pay for foods or medications 
  • Handle prescription drug coverage 
  • Take care of long-term custodial care 
  • Pay for dental treatment 
  • Handle many types of vision care 
  • Handle accidental death coverage 
  • Indemnity insurance if you’re placed in a hospital 

The type of supplemental insurance policies available to you may vary depending on your provider. So make sure that you fully understand the scope of your policy and what kind of care it covers. Doing so will help to minimize any risk of confusion and keep you happy and satisfied as a person.

Learn More Today 

If you’re interested in supplemental health insurance and aren’t sure what policies are right for you, please reach out to us at InsPeak right away to learn more. We serve the Arlington, TX, area and provide you with the excellent policies that make the most sense for your needs as a person.

What is Recreational Insurance? And Why You Need It

When on vacation, the last thing you want to worry about is if you are fully protected against anything that can happen. Additionally, suppose you love spending time outdoors in Arlington, TX. In that case, you want to ensure you and your loved ones are protected against any accidents which may occur when riding RVs, water skiing, or any other outdoor activity. For additional information about recreational insurance and how it can protect you, call the experts at InsPeak today. 

What Is Recreational Insurance? 

Recreational insurance covers outdoor recreational toys, including accidents, theft, and injuries. Like auto insurance, there are many different types of recreational insurance, making it possible to customize your insurance coverage. Options include comprehensive, collision, personal injury, theft, weather-related damage, and more. Speak with your insurance agent today to discuss the different recreational insurance options for your outdoor toys. 

What Does Recreational Insurance Cover? 

Recreational insurance covers recreational vehicles, watercraft, and antique cars. Recreational vehicles include snowmobiles, all-terrain vehicles, sailboats, fishing boats, speed boats, jet skis, and classic cars. Policies provide coverage against accidents and injury for these toys. In addition, classic cars may be covered under auto insurance, so check with your insurance agent to determine the best policy for your antique automobiles.  

Why Do I Need Recreational Insurance? 

There are many reasons why you may need recreational insurance coverage. For example, if you are driving your jet ski and cause an accident. Your insurance policy will cover damage to your jet ski and the property of others you damaged in the accident. Additionally, if anyone were injured in the accident, your policy would cover that too. 

Recreation toys are expensive and, when damaged or stolen, can be costly to repair or replace. Do not let an accident or theft hinder your outdoor experience in Arlington, TX. Call the experts at InsPeak today for more information about recreational insurance. 

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