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Texas Insurance Blog

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. 

5 Things To Know Before Saying No To Renters Insurance

One of the first things a new home buyer gets is insurance. Yet, when someone rents, it is often an expense that is pushed down the list of priorities. According to renter insurance statistics, only about 37% of renters have renter insurance including those in Arlington, TX.

What happens if your apartment catches fire or the sewer backs up and damages everything? The landlord is not going to be responsible for replacing your items. To go without renters insurance is taking a huge risk.

Before you fall into taking a chance with no insurance coverage, here are 5 things the experts at InsPeak want you to know before saying no to renters insurance.

  1. One of the most important parts of renter insurance is that it covers what your landlord’s insurance doesn’t, like damage to your personal property.
  2. You own more than you realize, and it’s worth more than most can afford to replace. Many people don’t realize how much their things are worth. It’s as if they are looking at what they own and calculating what these items would fetch at a garage sale. The truth is that your items are not like a car that depreciates in value the second you drive it off of the lot. Renters insurance looks at how much it would cost to replace these items, not what they are worth at a resale shop.
  3. Renter Insurance is more affordable than you think.
  4. Renter Insurance Also covers a guest getting injured on your property.
  5. It also may even reimburse you for food costs or temporary housing if your apartment is uninhabitable for a while.

Call InsPeak serving Arlington, TX today to discuss your renter insurance questions. It will probably take no more than 15 minutes of your time but could save you a bundle.

What is the must-have coverage in RV insurance?

After investing in buying an RV vehicle, you need to protect your asset, but choosing the perfect policy can be confusing because many options are available for what is covered. To choose the personalized coverage that will cover what you need without over-insuring, speak to an agent from InsPeak that services the Arlington, TX area. They will help you choose what to include in the coverage depending on how you want to use your RV. Some people use it just for vacations a couple of times a year, but RV is a primary place of residence for others. No matter what cover you choose, getting specialized RV insurance will be more beneficial than relying on your auto insurance alone.

Campsite liability cover

Suppose your RV is damaged at a campsite, or you accidentally damage the campsite with your RV. In that case, the policy will help you settle your liability. The policies cover items like damages to the structure of the vehicle, personal liability, loss of use, and even the fire department call-out charges.

Emergency cover

If your RV breaks down far away from home, the insurance policy will ensure that you will not be stranded. The policy provides coverage for towing costs to the nearest mechanic, renting a substitute vehicle, cost of traveling and the cost of meals to get you back to the stable residence.

Full-time insurance

If your RV is your primary residence, you will also need to include the contents of the RV as well as the structure and emergency cover. Full-time insurance coverage also includes medical expenses for you and your family, as well as any visitors who are injured.

Owning an RV is a pleasure when you are protected from the times when things go wrong. Visit the InsPeak agents in Arlington, TX, to get the most out of your insurance policy.

How Does Umbrella Insurance Work?

When you already have home and auto policies in place to protect you, they don’t often have much liability insurance within those policies. However, you can add to your protection from both of these policies by getting an umbrella insurance policy. If you are interested in more liability coverage, call us at InsPeak in Arlington, TX to speak with an agent about the policy you need. 

Add to Your Liability Coverage

An umbrella insurance policy is liability coverage. It is used to add to the liability coverage that you already have from your home and auto policies. When there is an accident, your home or auto insurance will pay for the medical and property damage bills. However, it only pays up to its maximum, which is generally low for these policy types. That’s where umbrella insurance comes in. It adds to your coverage and has a much higher maximum. That way, you are far less likely to have to pay any overage out of your own pocket. 

Saving Money With an Umbrella Insurance Policy

If you need more liability coverage, why not just increase the coverage you get from your home and auto policies? The answer is that it is prohibitively expensive for many people. It costs a lot to add to these policies directly. However, umbrella insurance is relatively inexpensive. You can make a substantial policy for little money. This makes it a cost-effective way to make sure that you are well-insured and ready for any incidents that make you liable for injuries and property damage. 

Get Your Umbrella Policy

If you are interested in getting one of these policies, call us at InsPeak in Arlington, TX, to discuss your insurance needs. You may find that it makes great financial sense to have one of these policies in place. 

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