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How to Update Your Home Insurance Policy After Making Home Renovations

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Home renovations can improve your quality of life and add value to your home. However, they can also impact your home insurance policy. Granbury, TX, homeowners will want to talk with an insurer before making changes and then update the home insurance policy after the renovations are complete to ensure the home is fully covered in the event of an unfortunate incident.

How to Update Your Coverage

Talk to your insurer about your planned renovations. Your insurance company can tell you if the modifications you make to your home will raise or lower your rates. Your insurer can also tell you if you need additional forms of coverage. For example, if you use expensive materials to redo the home exterior, you may want to purchase replacement cost coverage. This type of policy will provide enough compensation to rebuild using the exact same materials should the need arise. If you add a pool or trampoline to your yard, upping your liability coverage may be in order, as the risk of accidents on your property increases with these additional features.

Once the renovations are complete, inform your insurance company. The insurer may want to send an inspector or appraiser to your home to see the completed repairs and update the home’s cash value. Your insurer may also ask for evidence that a professional did the work. DIY work may save you a few dollars but can void your policy, especially if you didn’t take out a permit or ensure your work is compliant with local building codes.

Call Texas Classic Insurance for More Information

Texas Classic Insurance specializes in helping Granbury, TX, homeowners find excellent home insurance to meet their exact needs. Contact us to learn more about our policies and policy bundles.

Why Residents in Granbury, TX, Should Consider Telehealth Services in Their Insurance Plan

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Living in smaller towns near Granbury, TX, can be challenging when it comes to finding local health providers. However, with telehealth services included in an insurance plan, maintaining access to medical care is possible. At Texas Classic Insurance, we can help you find a policy that offers comprehensive coverage and peace of mind, especially if you’re interested in learning more about telehealth services and plans.

Accessibility

Telehealth services ensure access to medical care and health professionals, which is extremely beneficial in rural areas such as Granbury, TX. From routine checkups to seeking advice from a specialist about a pressing issue, telehealth services make it much easier to obtain the healthcare you need and deserve.

Convenience

For those who lead busy, hectic lives, telehealth services are optimal. Telehealth appointments provide room for flexibility when it comes to your schedule. Consult with doctors from home, while traveling, or even from your office with telehealth coverage.

Cost-Effective

Virtual visits may cost less than in-person visits, which can help mitigate expensive visits to your local urgent care or emergency room. Those living near Granbury can also benefit from telehealth visits to address minor concerns or for ongoing care of various chronic conditions ranging from high blood pressure and diabetes to autoimmune diseases. Saving on travel and in-person visits adds up for those who require frequent appointments.

At Texas Classic Insurance, we know how important it is to have a comprehensive health insurance plan for you or your entire household. If telehealth services are a priority for you or someone in your home, we can help. Contact Texas Classic Insurance today for your consultation and to discover how telehealth services can be implemented into an insurance plan that works for you in Granbury, TX.

Consumer Rights Information About Texas Commercial Liability Insurance

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Protecting your assets is among your most essential responsibilities as a business owner or manager. You may have questions about your current policies or wonder if your company may require any additional policies. Companies in Katy, TX, are advised to consult the All Around Insurance Agency. Since 1989, we have been offering insurance solutions to businesses like yours.

Rights of Commercial Insurance Clients

As an insurance consumer in Texas, it’s important to understand your rights. For instance, according to the Texas Department of Insurance, you can cancel a commercial insurance policy at any time. The official policy specifies the actions that must be taken to cancel the policy formally. After you do this, the insurance company calculates any money you may be due from unused premiums and refunds it to you.

If claim funds are paid to another person or company by your insurance firm, they must officially notify you. In a situation where a claim is brought to court, your insurance company must defend you. If you encounter any issues with your insurance company, it’s within your rights to make a complaint. Initially, call them with your complaint. If they fail to resolve it, you may contact the Texas Department of Insurance.

Make an Appointment with Us Today

The above information accounts for only some of your rights. You may have further questions concerning your insurance options. It’s important to ensure your company is fully protected. Businesses near Katy, TX, are invited to discuss insurance matters with our agents at All Around Insurance Agency. Call us today to set up an appointment and get answers to all your insurance inquiries.

What choices need to be made as I am looking to insure my Texas boat?

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Living in the Granbury, TX area is a good idea for many people as it has warm weather and access to various lakes and waterways. If you live here, investing in a boat can be fun. Along with your boat, you need to get insurance for it. There are a lot of choices to make when you are looking for a plan here. 

Choose a Plan to Meet Requirements

One factor you need to consider when you are looking to ensure your boat in Texas is your requirement for insurance coverage. People who are going to purchase a boat will likely have some level of coverage requirement. If you have taken out a loan or used your boat in a certain marina or waterway, various requirements might need to be met. You must understand your requirements and build a policy that meets them.

Level of Support

It would be best to consider the level of insurance support you want in a new policy. If you have an expensive boat and want full coverage, you will need to purchase a plan that provides comprehensive protection. At a minimum, you should look into getting a liability plan. This will provide you with support if you happen to cause an accident that damages another boat or property or causes injury. 

If you have decided to buy a boat and you live in the Granbury, TX, area, you should call our team at Texas Classic Insurance. Our insurance professionals understand boat insurance needs well, and they can help you build a new plan to ensure you have an ideal policy for your situation. 

Umbrella Insurance and Invasion of Privacy: How it Covers You in Different Situations

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Invasion of privacy can occur in various situations, ranging from accidental disclosure of confidential information to unintentional defamation. Umbrella insurance can be a financial lifesaver in scenarios around Granbury, TX, offering coverage beyond what traditional insurance policies provide.

Defamation and Libel

In today’s digital age, defamation and libel cases are increasingly common. Whether it’s a social media post or a public statement, you could find yourself facing a defamation lawsuit. Umbrella insurance can cover damages and legal expenses in libel or slander cases.

Data Breaches

Due to the rise of cyber hackers, data breaches have become more common today for businesses and individuals. If your personal data or that of your clients is compromised, the resulting legal and recovery costs can be significant. Umbrella insurance may provide coverage for liabilities arising from data breaches, helping mitigate such incidents’ financial impact.

False Arrest

If you are wrongfully arrested or detained, you may suffer reputational harm and incur legal expenses while defending your innocence. Umbrella insurance can offer coverage for damages resulting from false arrest, providing support during a distressing and costly experience. Common costs include defense attorney fees and court charges, which can reach into the thousands of dollars.

Invasion of Privacy

Invasion of privacy can take many forms, including unauthorized use of your image, intrusion into your private affairs, or public disclosure of private facts. Umbrella insurance protects those who find themselves in unfortunate situations where privacy has been compromised. No one should be forced to pay out of pocket when these unfortunate situations occur.

Texas Classic Insurance Is There For You

Texas Classic Insurance is available for you when you need insurance information. Our services cover locations in Granbury, TX, as well as surrounding areas. Contact us today.

Why Flood Insurance Is Important Outside of Flood Zones

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When you are a homeowner, you need to have two types of insurance on your home: home insurance and flood insurance. Both of these are important for every homeowner. If you only have home insurance, you’re missing one of the crucial types of coverage that you need. To get started with your flood insurance policy, call us at Texas Classic Insurance in Granbury, TX.

Flood Zones

Flood insurance is generally required for people who live in flood zones. These are areas that are rated as having regular flooding after a certain number of years. These zones are often labeled as 25-year, 50-year, etc. Many people who don’t live in these zones and aren’t required to have flood insurance believe that they don’t need to have this insurance. However, flooding can happen virtually anywhere. Even areas that aren’t close to a body of water, as most flood zones are, can be flooded. It’s common for this to happen, and uninsured homeowners could end up with major damage from unexpected floods.

Flood Claims

The vast majority of flood claims come from inside flood zones, but 20% of them come from outside them. This means that one in every five flooding situations happens in an area outside of a flood zone. This makes it important to have this coverage to pay for the repairs that will be needed after a flood. Water damage can be severe, and it may even mean rebuilding. Without insurance to pay for these costs, most homeowners would have difficulty paying for them.

Get Flood Insurance

The National Flood Insurance Program backs flood insurance and ensures that funds will be there when needed. To get started with a flood policy of your own, call us at Texas Classic Insurance in Granbury, TX to find out more.

Securing Your Space: The Benefits of Renters Insurance in Granbury, TX

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As an insurance agency serving Granbury, TX, Texas Classic Insurance wants to help renters understand the importance of renters insurance and what options are available for people looking to protect themselves from a range of risks. Although renters insurance can seem like just another expense you don’t want to deal with, it will more than pay for itself if something goes wrong.

What Makes Renters Insurance So Important?

When you have only so much money, prioritizing how you spend your money is crucial, which is why many renters opt out of renters insurance. Texas does not require renters insurance. However, renters insurance can save you time, money, and heartache in cases of unexpected incidents. While in the case of an incident, renters don’t have to worry about expenses related to the building, that doesn’t mean they don’t have any expenses to worry about.

Renters insurance can help in various situations, such as if your property has been stolen or damaged, providing living expenses if you have to move out because of an incident, and offering personal liability coverage if someone is hurt in your apartment. All these benefits can give you peace of mind at a relatively low cost.

Evaluating a Policy

When getting a policy, you want to make sure that you know what that policy covers. Each policy will cover different coverage amounts and limitations. Most renters’ insurance policies do not cover flooding, and to protect against flooding damages, a specific flood policy is usually needed. In some areas, flood insurance is a must, but it is wise for anyone concerned that a flood could damage their property. Overall, you want to evaluate your policy options carefully before deciding to ensure they cover your most important assets.

Rent with Peace of Mind

For people in Granbury, TX, Texas Classic Insurance is here to help with your insurance needs. Contact our insurance agency, and we can give you a quote so that you know what we can offer you. We are also available to answer any outstanding questions you may have so that you can make an informed decision about the policy you want to select.

Insurance Protection for Your Retail Space

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Research insurance products that will protect your retail business. Once you have reviewed and selected some insurance types that are of interest, contact one of our Texas Classic Insurance agents for further guidance.

Business Type

The type of retail business that you own and operate will influence the insurance coverage you need. For instance, if you are selling products that contain chemicals, you may need to acquire more liability protection.

Assess the goods and services that you sell. Use the details from your analysis when comparing insurance products.

Liability Coverage

Liability protection provides relief to business owners who are sued. A slip and fall within your retail space or another type of accident could lead to you being involved in a lawsuit.

One way to determine the risk of being sued is by inspecting your retail establishment. The inspector who assesses your commercial business will reveal any concerns.

The inspection’s findings can help you when it is time to purchase commercial insurance for your place of business.

Loss Of Goods and Services

Commercial coverage that protects against the loss of goods and services will pay for any expenses directly resulting from theft or vandalism. This type of coverage will reduce out-of-pocket costs in the event of a criminal act.

Contact Texas Classic Insurance

It is vital to protect your retail establishment for as long as you own it. An agent who serves the Granbury, TX, region can help you choose coverage types that will provide you with the optimal amount of protection and describe the claims process.

An Inspection of Your Home’s Structural Materials

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The Importance of Home Inspection

The condition of your home’s structural materials is a critical aspect that determines its current status. A thorough inspection of these subject matters could impact the amount of home insurance you plan to invest in. Below are the steps to perform an inspection of the structural materials.

The Preliminary Steps

When planning an inspection with an insurance representative, the property owner should make proper preparations for the visit. This can include rinsing off the home’s exterior and removing any loose items around the property. These steps ensure that the representative can move around freely and assess the home’s materials without obstructions.

Materials Subject to Inspection

Structural materials include any materials used in constructing a house’s frame, walls, floors, and ceilings. When an insurance representative commences an inspection, the materials they assess typically include the following:

  • Wood
  • Asphalt
  • Concrete
  • Brick
  • Natural stone

How the Assessment Proceeds

As part of the assessment, the representative will survey the residential property, taking notes about their findings. These may include details about the size of the home, construction materials used, and any distinct design features. Any issues identified during the inspection—such as damaged structural materials or potential risks—will be recorded. Upon completion of the assessment, a consultation will help divulge the results of the inspection to the property owner. It is advisable that the owner consider repairs or replacements for any damaged structural materials.

Contact Texas Classic Insurance

To learn more about residential inspections and insurance products, contact an agent representing Texas Classic Insurance. Our agents serving Granbury, TX, are available to assist with your inquiries.

Choosing the Right Health Insurance for Your Needs

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Choosing Quality Health Insurance in Granbury, TX

Are you on the lookout for a valuable health insurance policy? If you live in or around Granbury, TX, then the experienced agents at Texas Classic Insurance are here to guide you toward the best possible coverage for your unique needs. A robust health insurance plan is fundamental for your well-being, and you’d want the best mix of security and value.

Bespoke Insurance for All Professionals

A significant percentage of individuals obtain health insurance via their workplaces. However, that’s not a luxury everyone can afford. Whether you’re a retiree, freelance professional, gig worker, or an independent contractor without corporate health coverage, we can provide tailored quotes to help you settle on an optimal policy.

Customized Solutions from Various Insurers

Our savvy insurance agents can display various quotes and policy options from several insurers who provide diverse health coverage. We’ll gladly answer all your inquiries and doubts. Nobody is the same; thus, your health coverage requirements might significantly differ from that of others. That’s where the expertise of an insurance agent becomes indispensable. You wouldn’t want to miss crucial protective measures needed for specific health conditions or future considerations.

Trust Your Health Coverage with Texas Classic Insurance

Never gamble on your health coverage. Instead, allow us to guide you toward the most suitable protection plan for all your healthcare demands. Insurance policies can vary widely, and many insurers offer several tiers of coverage to choose from. Whether you need expansive coverage due to medical conditions or a more moderate plan, we’ve got you covered. The key to making the right choice lies in being as informed as you possibly can be about every option.

So, if you’re contemplating a reliable health insurance policy in the Granbury, TX area, contact us at Texas Classic Insurance today. We aim to instill a deep sense of confidence in the policy you opt for, and we are eager to facilitate that process.

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Partner Carriers

  • Allstate
  • ASI
  • BuildersRisk
  • Dairyland
  • Foremost
  • Germania
  • Hagerty
  • Hippo
  • Homeowners of America
  • Kemper
  • MetLife
  • Mercury
  • Mission Select
  • National General
  • Nationwide
  • Neptune Flood

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