Category: Home Insurance

Embarking on journeys exploring the beauty of the outdoors in an RV is an unrivaled experience. Having suitable RV insurance ensures that you and your assets are adequately safeguarded on your travels. If you’re uncertain about the type of coverage you need, specialists at Collum Insurance Group LLC in Richardson, TX, are here to assist!

An Overview of RV Insurance Coverage

In Texas, the law mandates RV owners to possess liability coverage. This type of coverage protects other individuals in the event of accidents that you are accountable for. We recommend collision and comprehensive insurance coverage to protect your RV against potential pinch points such as theft, damage, or loss. Collision coverage helps absorb the expenses resulting from damage to your vehicle caused by accidents. Conversely, comprehensive coverage offers protection against theft and damage resulting from non-collision incidents like harsh weather conditions, acts of vandalism, fires, and animal incidents.

Here are some factors you may want to consider when selecting your RV policy:

• What’s the worth of your RV?
• Do you still owe finances on your RV, or do you completely own it?
• How frequently do you use your RV?
• Have any value-boosting modifications been made to your RV?

A qualified agent from Collum Insurance Group can help you make well-informed insurance decisions to safeguard your valuable investment.

Securing Personal Belongings Within Your RV

RVs offer ample space for personal items such as laptops, cameras, camping equipment, smartphones, sporting goods, and other possessions. Ensuring the security of these items is crucial to avoid financial loss, necessitating personal property coverage. In case your assets are stolen or damaged while on your journey, personal property insurance will cover their replacement cost.

Where To Procure RV Insurance in Richardson, TX

Personal property coverage is indispensable if your RV houses several precious items during your travels! To add this coverage to your RV insurance policy, reach out to Collum Insurance Group LLC in Richardson, TX.

Buying a home is a major achievement. It often takes years of planning and saving to reach this goal, and you need quality home insurance to protect the purchase you have made. Nobody wants to focus on the things that can damage your home, but on the other hand, you have to be realistic. Bad things do happen, and if it happens to your home, you need the confidence that you will be able to rebuild and replace all the things you had. At Collum Insurance Group LLC in Richardson, TX, we are able to offer our customers choices when it comes to carriers and policies. 

A home inventory is a listing of your possession. In the event of your home being damaged or destroyed by a covered hazard, your home insurance will repair or replace the things you have lost. That is the good news. The bad news is they will need to know what you had before the event occurred. After a traumatic loss, you may not be able to tackle such a massive undertaking. This is why you should create your inventory before anything damages your home. 

You can do it the traditional way with a pad and pen, or you can do it digitally. Either way, you will go from room to room of your home and list and or photograph every inch. Open the closets, pull out the drawers, go through your kitchen cabinets. Head up to the attic, down to the basement and out to the garage. This is not a small undertaking, but the advantage it offers if you need it makes it all worthwhile. 

Finally, place your inventory in a safe place where you can get to it when you need it. 

Collum Insurance Group LLC in Richardson, TX is here to help you with your home insurance needs and to answer any questions you may have. Please stop by our office, or give us a call.