Recreational Vehicle Insurance in Longview, TX

Recreational vehicles (RVs) must be insured. RVs double as homes and vehicles, often making them vulnerable to more incidents than just a car or home. Acquiring RV insurance is essential, and the agents at Erick Dodge Insurance Agency Inc can help you learn about policies.

What Is RV Insurance?

RV insurance is coverage that provides motorhome owners with financial protection from high accident-related costs. Policies vary, but most require you to pay a monthly or annual insurance premium in exchange for financial assistance from your insurer if a covered accident occurs. Some insurance carriers require you to pay a deductible, a cost you cover after an accident before insurance helps cover the remaining costs.

Is RV Insurance Required?

Texas requires RV owners to carry a minimum of liability insurance. However, it is essential to expand beyond the minimum requirements. Accidents can occur while driving or parked, some of which may not be covered by liability insurance. Carrying sufficient insurance can reduce the risk of covering extensive out-of-pocket costs after an accident.

How Expensive Is RV Insurance?

RV coverage rates can vary significantly among policyholders. Your RV model, usage and insurance claims history are a few factors your insurance provider may use to determine how much to charge you to take out a policy. A driver with a clean driving record and claims history will likely pay less for coverage than someone who has gotten into multiple accidents and filed several claims.

How Do I Get Covered?

If you are a motorhome owner near Longview, Texas, the agents at Erick Dodge Insurance Agency Inc can help you learn about RV insurance to aid you in selecting the right policy for you and your home on wheels.

For more information, call our agency today at 903-248-5000 to request a quote on a policy.

Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

• Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
• Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Motorcycle Insurance in Longview, TX

Motorcycle accidents can happen whether you’re riding or parked, and the recovery costs can be high. Having adequate motorcycle insurance may provide financial protection in case of an accident.

What Is Motorcycle Insurance?

Motorcycle insurance is similar to other insurance policies. It’s an agreement between you and an insurer where you regularly pay premiums for financial protection against potential accidents or losses, such as collisions and theft.

What Does Motorcycle Insurance Cover?

Motorcycle insurance coverage can vary, but standard policies typically include the following protections:

• Liability coverage may provide financial support if you caused bodily injury or property damage to others in an accident. It may cover medical bills, lost wages and repair costs for damaged property.
• Collision coverage may cover your bike’s repair or replacement costs after an accident, excluding your deductible.
• Comprehensive coverage may pay for damage caused by events unrelated to collisions, including fire, theft or vandalism.
• Uninsured/underinsured motorist coverage may pay for medical expenses and lost wages after an accident with an uninsured or underinsured driver.
• Optional equipment coverage may cover custom enhancements or optional parts on your motorcycle.

Your policy might offer more benefits than those listed above. Speak with an agent from Erick Dodge Insurance Agency Inc to learn more about motorcycle insurance options.

How Much Does Motorcycle Insurance Cost?

How much you’ll pay for motorcycle insurance is often based on factors such as your location, age, motorcycle type and chosen coverage options. Premiums can range widely, so it’s important to compare quotes from different insurers to find the best rate for your specific needs.

Contact Our Agency

If you’re a motorcycle owner, the agents at Erick Dodge Insurance Agency Inc can help you build your optimal policy. Contact us today to learn more.

Life Insurance in Longview, TX

Life insurance can be vital to protecting your family’s financial well-being after you’re gone. By choosing appropriate coverage, you can ease the burden of funeral costs, debts and everyday living expenses, knowing your loved ones will have the funds they need.

How Life Insurance Works

When you pass away, your beneficiaries can apply to receive the death benefit. That payout can cover final expenses, pay down outstanding debts or replace lost income, helping your family maintain their lifestyle in your absence.

Term vs. Whole Life Insurance

Term life lasts for a fixed period, often 10, 20 or 30 years. If you die during that window, your beneficiary can apply to receive the death benefit. Coverage ends if you outlive the term (though you may be able to renew or convert to another policy).

Whole life is designed to provide lifelong protection if premiums are paid. In addition to the death benefit, it can build cash value over time, which you can borrow against or withdraw while you’re still alive, depending on the policy’s rules.

Other Policy Options

Beyond term and whole, you may consider:

• Universal life—This can offer flexible premiums and death benefits with cash-value growth.

• Final expense—This may simplify coverage for burial and funeral bills.

• Group life—This includes employer-sponsored plans at group rates.

• Final expense or mortgage protection—This can cover funeral and burial costs or pay off your home loan.

Premiums and Affordability

Life insurance premiums vary based on age, health, policy type and coverage amount. We can help you compare options to find a plan that works with your budget.

Learn More

At Erick Dodge Insurance Agency Inc in Longview, Texas, we’re dedicated to offering top-quality life insurance plans at competitive rates. Contact us today for a free quote and personalized guidance on choosing the coverage that best fits your needs.

Homeowners Insurance in Longview, TX

Waking up to find your home damaged by a windstorm or a break-in can be overwhelming. With homeowners insurance, you may be protected from the financial burden of such unexpected events. This essential policy may cover repair costs, replacements and liability for accidents related to your property.

When Is Homeowners Insurance Required?

Mortgage lenders typically require homeowners insurance as part of the loan agreement. They want assurance that the property, which serves as collateral for the loan, is financially protected against risks like fire, natural disasters or theft. If your mortgage is paid off, it’s still wise to maintain coverage to avoid out-of-pocket expenses for repairs or rebuilding after a loss.

What Does My Policy Cover?

Coverages vary per policy as they are typically customized to the policyholder’s requirements. Some policies have add-ons for high-value items, flood insurance or earthquake coverage. However, standard homeowners insurance policies generally include the following types of coverage:

• Dwelling coverage may protect the structure of your home against financial loss due to covered events like fire, hail and wind.
• Other structures coverage may cover garages, tool sheds and other detached structures on your property. This may also cover fixtures attached to the land, such as fences and swimming pools.
• Personal property coverage may pay for the repair or replacement costs of your belongings, such as clothing, electronics and furniture, after theft or damage.
• Liability protection may provide financial aid if someone is injured on your property or if you cause damage to others’ property.
• Additional living expenses coverage may pay for meals and temporary housing if your home becomes uninhabitable due to a covered loss.

How Are Rates Calculated?

Homeowners insurance rates are influenced by various factors, including the following:

• Location
• Construction materials used
• Coverage limits and amounts
• Claims history

Contact Us

Ready to safeguard your financial well-being? Contact Erick Dodge Insurance Agency Inc today to discuss affordable homeowners insurance options. Our insurance experts are happy to guide you through the process.

Flood Insurance in Longview, TX

Flooding is one of the most damaging and unpredictable natural disasters, and standard property insurance typically doesn’t cover it. Flood insurance can offer financial support when rising water causes damage to your home, business or belongings.

Whether you’re in a designated flood zone or have seen heavy rainfall become more common in your area, this coverage can help prepare you for the unexpected.

What This Policy Can Include

A flood insurance policy can include the following common coverage to manage financial losses after a covered flood event:

• Building coverage may help repair or rebuild owned structures if a flood causes damage, such as to their foundations or plumbing and electrical systems.

• Contents coverage may help replace belongings such as furniture, appliances, electronics and other valuables if they are damaged by rising water.

• Remediation coverage can help pay for additional expenses, such as removing debris from your property or addressing mold issues directly caused by a flood.

Coverage is available for both residential and commercial properties and may be written through the National Flood Insurance Program (NFIP) or a private insurer, depending on your location and eligibility.

Who Should Consider Flood Insurance?

While flood insurance is often required in high-risk zones, it’s increasingly being adopted by property owners outside those areas as weather patterns shift. Just a few inches of water can cause significant losses, and many floods happen in low-to-moderate risk areas.

Policies typically carry a 30-day waiting period, so planning ahead is key.

Request a Quote Today

Erick Dodge Insurance Agency Inc helps homeowners and business owners across Longview, TX explore flood insurance options that reflect their property risks and budget. Contact us today to get a quote or review your current flood exposure.

Contractors Insurance in Longview, TX

Contractors insurance encompasses a range of policies designed to safeguard construction professionals and their businesses from various risks inherent in their line of work. Such coverage is vital for contractors as it provides financial protection against unforeseen circumstances that could otherwise result in substantial losses. By mitigating risks and liabilities, contractors coverage not only safeguards the contractor’s livelihood but also instills confidence in clients and stakeholders, fostering trust and facilitating smoother project execution.

What Is Contractors Insurance?

This insurance is designed to financially protect individuals or businesses in the construction industry. It typically includes several types of coverage tailored to the specific risks contractors face. A well-rounded insurance portfolio may include coverage for damage to structures being built, as well as materials, equipment and supplies on-site, and other protections.

The following are some of the most common types of insurance used by contractors:

• General liability insurance
• Workers’ compensation insurance
• Commercial auto insurance
• Contractors equipment insurance
• Builders risk insurance
• Professional liability insurance
• Surety bonds

How Much Is Contractors Insurance?

The cost of contractors policies can vary widely depending on several factors, including the size and scope of the construction business, the types of projects undertaken, the coverage limits desired, the location of operations, the claims history and the chosen insurance provider.

Generally, insurance premiums are determined based on the risk associated with the specific business. For example, a contractor engaged in high-risk construction activities, such as roofing or demolition, may pay higher premiums than someone involved in lower-risk projects, such as landscaping or painting.

Consult with Erick Dodge Insurance Agency Inc to determine the appropriate insurance coverage for your contracting business based on your specific circumstances and local regulations. We will work with you to customize coverage, limits, endorsements and exclusions to fit your operation-specific risk exposures.

Business Insurance in Longview, TX

Business insurance, or commercial insurance, is designed to help provide financial protection from specific risks. There are various types of business insurance tailored to meet different needs.

At Erick Dodge Insurance Agency Inc in Longview, Texas, our team is here to guide you through the process. We can help ensure you get the best value for your investment.

What Are the Different Types of Business Insurance Policies?

There are many types of business insurance policies, including the following:  

• General liability insurance—This can cover claims of bodily injury, personal injury (such as libel or slander), advertising injury and property damage.

• Business property insurance—This can cover damage to your company’s equipment and property after a covered incident.

• Business interruption insurance—This can help replace lost income and pay for extra expenses if your business must shut down due to a covered incident.

• Commercial auto insurance—This is required if your company has vehicles. It can provide coverage for fleet members or employees who drive for your organization.

• Professional liability insurance—This can offer protection if someone claims negligence, misrepresentation or inaccurate advice against your business.

• Workers’ compensation insurance—This can provide financial assistance, medical benefits and replacement income to employees who are injured or become ill due to work-related incidents.

Who Needs This Coverage?

Any business, regardless of size or industry, can benefit from business insurance. This includes small businesses, large corporations and even home-based businesses. Essentially, if you own a business, having insurance is crucial to protect your assets and manage risks.

How to Get Business Insurance

To get started with business insurance, consider Erick Dodge Insurance Agency Inc. We can help you understand your options and offer tailored solutions that meet the specific needs of area businesses. Contact us today to learn more or request a free quote.

Auto Insurance

Auto insurance is essential to help safeguard you and your family against financial risks while driving. Accidents, theft and unexpected incidents can lead to significant losses, and having insurance can help prevent out-of-pocket expenses.

Eric Dodge Insurance Agency understands these risks and can offer personalized service, competitive quotes and comprehensive coverage options. Contact us today to secure the protection you need.

What Is Auto Insurance?

Auto insurance is a contract between a vehicle owner and an insurance company, wherein the owner pays a premium and the insurer may provide financial protection against losses due to traffic accidents, theft or other incidents involving the vehicle. This insurance typically includes the following coverage options:

• Bodily injury insurance may cover third-party medical expenses resulting from an at-fault accident.

• Property damage insurance can pay for third-party property damage caused by an at-fault accident.

• Collision insurance can assist with vehicle damage costs from accidents involving other vehicles or objects.

• Comprehensive insurance may cover nonaccident-related incidents such as fire, theft, vandalism or weather damage.

• Guaranteed asset protection insurance can help bridge the gap between your insurer’s settlement and the amount needed to pay off your lease or loan if your car is declared a total loss.

• Uninsured/underinsured motorist coverage may provide compensation for damage and medical bills when the at-fault driver lacks sufficient coverage.

• Medical payments coverage can help address accident-related medical expenses.

• Personal injury protection coverage may pay for medical bills and economic losses after an accident, regardless of fault.

How Much Does Auto Insurance Cost?

Auto insurance costs vary depending on factors such as your driving history, vehicle type, age and where you live. Texas drivers will see different premiums based on their individual needs and the level of coverage they select.

Where to Get Auto Insurance

You can obtain car insurance from various sources, including insurance agents, brokers and online platforms. In Longview, Texas, Eric Dodge Insurance Agency offers personalized auto insurance quotes and can help you explore coverage tailored to your needs. Contact us or request a free quote today.