Can You List Your RV Under Your Standard Auto Insurance?

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If you have an RV in Sanger, TX, you may wonder if you can list it under your standard auto insurance policy. After all, it’s a type of moving vehicle, and you may not want to take out a separate recreational insurance policy if you don’t have to. Hermes Insurance Solutions explains how to protect your investment based on how you use it. 

The Realities of Recreational Vehicles 

For the most part, your auto insurance policy will not cover your recreational vehicle. Your best chance of having a claim approved is if your RV was being towed by your covered automobile, and you listed both on the policy before you towed it. But even then, your policy would likely only cover you if your RV damaged another vehicle on the road, and not if your RV itself was damaged. 

Why Get a Separate RV Policy?

Ultimately, RVs serve different purposes than standard vehicles. Rather than just using it to get around, you might store your things, sleep, and cook meals in it. Recreational insurance can cover your personal possessions, like your TV and laptop, as well as standard damage, like vandalism and severe weather. It keeps your dwelling protected, whether you’re in motion or not. 

It’s worth noting that there are different policies depending on how you use your RV. For example, if you only use it during the summer, you can tailor your coverage based on your usage.

We’ll Help You Find the Right Policy for Your RV

If you’re in Sanger, TX, and have questions about the best policy for you, the staff at Hermes Insurance Solutions is here to help. We can give you the advice and support you need so you can drive with confidence. 

Is Sports & Fitness Insurance For You?

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Most people understand the importance of buying auto and health insurance. In addition to these policies, people who enjoy leisure activities have discovered the importance of recreational insurance. If you are in the Sanger, TX area, our team at Hermes Insurance Solutions would like the opportunity to help you learn more about how you might benefit from recreational insurance. We’ve been working with clients like you since 1989.

Sports & Fitness Insurance

Recreational insurance is typically purchased by individuals who enjoy outdoor activities, such as hiking, climbing, or boating. Additionally, if you have a job in the sports or fitness industry, you may need coverage for the services you provide for your clients. According to Sportsfitness, you can purchase sports and fitness insurance policies to cover the activities of a sports facility, a yoga studio, a dance studio or a martial arts academy. Those facilities engage in activities that could potentially result in injuries, and the policies will provide liability coverage for the facility owners.

In addition to facility owners, Sports & Fitness insurance can be sold to individuals who provide private lessons in sports or fitness activities.  These policies may be necessary for individuals who travel to multiple locations to provide leadership in health or fitness activities. Policies could pay for the medical expenses of someone who is injured while working under your leadership.

Call Us for Your Appointment Today

Our team at Hermes Insurance Solutions has a full range of insurance options in addition to recreational insurance policies. Each member of our team is dedicated to providing the information you need to choose the right policies for your needs. Clients in the Sanger, TX area have learned we also offer excellent customer service. Please call us for your appointment today and explore all your insurance options.

Does Renters Insurance Cover Structural Damage?

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Tenants in Sanger, TX, are often responsible for obtaining renters insurance to ensure their personal belongings are covered. However, it’s essential to recognize that this policy is intended for tenants, not landlords. 

Typical Coverage

This type of policy will cover your personal belongings on the property, including clothing, furniture, electronics, and other items. Some policies extend to cover belongings that are inside your car. Most will cover things in the yard, such as children’s toys and patio furniture. 

Policies usually cover fires, theft, vandalism, and specific natural disasters. Some may also include temporary lodging costs if your home becomes uninhabitable due to a covered event. Speak with an agent at Hermes Insurance Solutions to learn about your coverage. 

Structural Damage

These policies do not cover structural damage to the property because that’s not the tenant’s responsibility. Instead, the landlord, and their policy, should cover structural damage. The landlord’s policy will provide coverage if the damage is due to a covered event, such as a fire or natural disaster. This can be used to repair ceilings, floors, roofs, foundations, and any other part of the structure. 

Note that some landlords will charge you for repairs if you cause damage to the property beyond normal wear and tear. 

We understand the importance of ensuring your belongings are safe and your home is habitable. Agents here at Hermes Insurance Solutions can help you learn more. Contact us. We’re currently serving the Sanger, TX, area. 

Insurance Considerations When Renting Out Your Motorhome

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Renting out your motorhome can sound like an easy way to earn a little extra cash, especially in Texas, where long drives and weekend camping trips never go out of season. But once someone else is in the driver’s seat, the situation changes fast. Without the right insurance through Hermes Insurance Solutions, serving Sanger, TX, a single mishap could leave you paying for repairs or legal costs on your own.

Why Standard Coverage Falls Short

A personal motorhome policy is built for private use, not business or rental activity. If a renter backs into another vehicle, causes an accident, or even damages the interior, your insurer may decide the claim isn’t covered. Some policies are strict about who can drive, so even lending it to a friend could create problems. Before you rent, call your insurance agent and spell out your plans. They can help you find options that keep you protected no matter who’s behind the wheel.

The Right Way To Insure a Rental Motorhome

Some carriers offer short-term rental endorsements or full commercial policies designed for shared use. These can include liability protection, collision coverage, and even compensation if your motorhome is out for repairs after a covered loss. A few rental platforms partner with specialty insurers that take care of these details automatically, but don’t assume you’re covered. Always read the fine print and confirm who’s responsible for what.

Weather and Texas-Sized Risks

From hailstorms to flash floods, Texas weather doesn’t always play nice. Comprehensive coverage helps protect your motorhome from natural disasters, parked or on the move. Earthquakes may be rare here, but checking whether your policy includes them never hurts.

Renting out your motorhome can be worthwhile, but only if your coverage is as road-ready as the vehicle itself. Contact Hermes Insurance Solutions, serving Sanger, TX, to learn more.

What Is Fifth Wheel RV Insurance?

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A fifth-wheel RV can provide greater towing stability, making it an excellent choice if you plan to spend significant time in a large RV or use it as your residence. However, it also raises important questions about safety and insurance. At Hermes Insurance Solutions, we can help you understand fifth-wheel RV insurance in Sanger, TX, so you can find the right coverage for your needs.

How Does Fifth-Wheel RV Insurance Work?

Fifth-wheel RV insurance offers additional coverage beyond standard RV insurance. It can include protection for the fifth-wheel hitch itself and increased liability for the vehicle. This type of insurance covers many of the same events as standard RV insurance, such as fire and wind damage, but is tailored specifically for fifth-wheel trailers. While it’s not mandatory, it can be extremely beneficial if you experience an incident. With fifth-wheel insurance, you’ll have fewer concerns about whether you can file a claim for repairs or replacements.

Is Fifth-Wheel Insurance Worth It?

Whether fifth-wheel insurance is worth it depends on several factors, including the policy you choose, the make and model of your RV, how often you use it, and the value you place on the fifth wheel itself. If you frequently hitch and unhitch your RV, investing in fifth-wheel insurance can save you from shouldering repair or replacement costs on your own.

At Hermes Insurance Solutions, we proudly serve the residents of Sanger who are eager to hit the road. If you have questions about RV insurance, whether you own a fifth-wheel trailer or are considering purchasing one, we can explain how coverage works and help you decide when it’s worth paying for additional protection.

Claim Denied? Avoid This Common Coverage Gap Motorcycle Policies

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Few things are more frustrating than having a claim denied. You pay your premiums on time and assume you’re protected. However, when an accident happens, you’re suddenly told the policy doesn’t apply, leaving you to deal with the consequences. For motorcycle owners in Sanger, TX, the issue often isn’t a lack of coverage. Instead, it’s having the wrong type of coverage. Even one overlooked gap can mean the difference between a smooth claim process and a financial headache.

Why Motorcycle Policies Can Leave Gaps

Motorcycle insurance isn’t the same as auto insurance adjusted for two wheels. The risks are different, and so is the coverage. Motorcycle policies come with unique rules, exclusions, and fine print. These factors often lead riders in Sanger, TX, to discover too late that their policy doesn’t cover what they assumed it would. How is the bike used? Where is it stored? These details matter, and insurers rely heavily on them when determining whether to approve or deny a claim. At Hermes Insurance Solutions, serving Sanger, TX, we help you review these details in plain language so you understand exactly where you stand before you ever need to file a claim.

Preparation Today Prevents Frustration Tomorrow

The best way to avoid denied claims is to ask the right questions upfront. What situations are covered? What exclusions apply, and how do they impact you? How does your policy handle modifications or seasonal storage? Riders who address these details now won’t be left scrambling for answers later. A quick policy review before the off-season can save months of frustration down the road.

At Hermes Insurance Solutions, we’ve seen how easily coverage gaps can surprise even the most experienced riders. That’s why we focus on asking the right questions and closing these gaps before they become a problem. If you’re unsure whether your motorcycle policy has hidden holes, reach out to us. We’ll review your coverage together and ensure that the next time you need it, your insurance is as ready as your ride.

Does Boat Insurance Cover Theft or Vandalism at the Marina?

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Leaving your boat at the marina should provide peace of mind—not leave you worrying about what might happen when you’re not around. Unfortunately, theft and vandalism can occur, even in well-maintained and secure marinas. At Hermes Insurance Solutions in Sanger, TX, we frequently receive inquiries about whether standard boat insurance policies cover such incidents. The short answer is: it depends on your policy.

Understanding Comprehensive Coverage

To be protected against theft or vandalism, you’ll typically need comprehensive coverage as part of your boat insurance policy. This type of coverage is designed to handle non-collision-related losses, such as fire, weather damage, theft, and vandalism. If someone breaks into your boat and steals equipment or causes damage, comprehensive coverage can help cover repair or replacement costs.

What’s Actually Covered?

Coverage details can vary depending on your policy and provider. Some policies may include protection for personal belongings stored on the boat, while others might not. If you frequently store expensive gear or electronics on board, it’s a good idea to speak with your agent about adding extra protection for your personal property.

Review Your Policy Before You Dock

While marinas often have security measures in place, even the best systems can’t guarantee complete protection. That’s why it’s wise to review your boat insurance policy before leaving your vessel overnight or for an extended period. A few simple updates to your coverage can make a significant difference.

If you’re unsure about what your current policy includes or want to ensure your boat is fully protected, contact Hermes Insurance Solutions in Sanger, TX. We’re here to help you navigate your coverage with confidence—so you can enjoy every moment on the water, worry-free.

How Umbrella Insurance Protects Against Lawsuits That Could Threaten Your Assets

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No one expects to face a lawsuit, but the reality is that they can happen to anyone. Whether it’s a car accident where you’re found at fault or an incident on your property that leads to injury, legal claims can quickly exceed the limits of your standard insurance policies. That’s where umbrella insurance comes in. At Hermes Insurance Solutions in Sanger, TX, we help individuals and families protect what they’ve worked so hard to build.

When Basic Coverage Isn’t Enough

Many people assume their auto or homeowners insurance will cover them in the event of a lawsuit, and it does, up to a certain point. However, if the damages awarded in a lawsuit exceed your policy limits, the remaining costs could come out of your own pocket. This could mean dipping into savings, selling assets, or even risking your future income.

Umbrella insurance steps in when your primary coverage reaches its maximum. It provides an additional layer of liability protection, often in increments of $1 million or more. This extra coverage offers peace of mind, no matter what life throws your way.

Who Should Consider Umbrella Coverage?

You don’t have to be wealthy to benefit from umbrella insurance. If you own a home, have a teenage driver, frequently host guests, or want to safeguard your financial future, umbrella coverage is worth considering. It’s surprisingly affordable and covers not only legal fees and settlements but also issues like libel, slander, and false arrest—situations most people never expect to encounter.

Your assets deserve protection that goes above and beyond. To learn more about how umbrella insurance can shield you from unexpected legal threats, contact Hermes Insurance Solutions in Sanger, TX. We’re here to help you stay secure, no matter what comes your way.

Auto Theft Prevention Tips

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Driving a car in Texas legally requires auto insurance. Some Texas drivers need help selecting the right auto insurance policy. If you reside in or near Sanger, TX, our team at Hermes Insurance Solutions has the experience you need to help you find the right policy. We’ve been serving drivers like you since 1989.

Auto Theft Prevention Tips

Did you know there are ways to minimize your risk of car theft? The North Texas Auto Theft Task Force, a group of seasoned detectives, is dedicated to reducing auto thefts. According to the Task Force, you should ensure that any valuables in your car are hidden. They also caution drivers never to store a spare set of keys inside their car.

You can further reduce your risk by parking your car in a well-lit area and always locking your car. Don’t leave your car running in a public place, even for a quick run into a store or gas station. If you park your car in a valet lot, only give the attendant your ignition key. Interestingly, installing an anti-theft device in your car can not only help prevent theft but may also reduce your auto insurance premium.

Contact Us Today for Your Appointment

We want you to drive safely, and maintaining your auto insurance is a crucial part of road safety. Drivers in Sanger, TX, have learned they can rely on our team at Hermes Insurance Solutions to help them select the right insurance policy. We take pride in being an independent agent, providing you with access to multiple insurance carriers. Contact us to schedule an appointment today, and we’ll discuss your insurance options.

How Commercial Insurance Differs for Home-Based vs. Brick-and-Mortar Businesses

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Running your own business is an exciting journey, but ensuring it’s adequately protected is just as important as making sales or building a brand. At Hermes Insurance Solutions in Sanger, TX, we frequently receive questions about how commercial insurance needs can vary depending on the location of your business. Whether you operate from a cozy home office or a downtown storefront, the right coverage makes all the difference.

Home-Based Doesn’t Mean Risk-Free

Just because you’re working from home doesn’t mean your homeowner’s policy will cover your business activities. In fact, it likely won’t. If you store inventory, see clients, or use specialized equipment, a commercial policy is essential. Home-based businesses often need coverage for business property, liability, and even cyber protection if you’re handling sensitive data online. It’s easy to assume that being at home means fewer risks, but in many cases, the risks are simply different.

Brick-and-Mortar Comes with Different Needs

If you’re running a physical storefront or office, your insurance needs become more complex. You’ll need protection for your building, signage, inventory, and maybe even employees. Liability coverage is especially important if customers or clients are coming through your doors. A single slip-and-fall incident could lead to a costly claim, so having the right policy in place is crucial.

One Size Doesn’t Fit All

Commercial insurance should be tailored to your business’s specific setup and operations. Whether you’re shipping products from your kitchen table or welcoming customers into a retail space, your coverage should reflect the day-to-day risks you face.

If you’re unsure whether your current policy fits your business setup, contact Hermes Insurance Solutions, which proudly provides commercial insurance to business owners in Sanger, TX. We’ll help you build a custom plan that fits your business, wherever it’s based.

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