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Do I Need Umbrella Insurance on My Motorcycle?

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Standard insurance, like a policy for a motorcycle, has a maximum liability coverage limit. If your net worth exceeds this limit, you should consider purchasing an umbrella policy, also commonly known as excess liability coverage. This type of coverage helps protect your assets in the event you are found liable for an accident with catastrophic financial consequences. Motorbike accidents are common, so carrying umbrella insurance from Texas Classic Insurance may be a good idea if you want to safeguard your funds and possessions.

What Is the Purpose of an Umbrella Policy?

Motorcycle accidents in Granbury, TX often go hand in hand with mounting medical bills and legal fees. In some instances, a standard motorcycle policy won’t cover all of these expenses. If you have an umbrella policy, it can pick up where your coverage ends. In fact, the only time you should use an umbrella policy is after your standard insurance’s liability limits have been exhausted.

What Type of Umbrella Policy Should You Buy?

The type of umbrella policy to buy depends on your unique needs. For starters, you need to make sure the umbrella policy kicks in once your standard policy exceeds its limits. For most umbrella policies, this means a minimum of $250,000 in standard motorcycle coverage must be reached. If your standard policy has a limit of only $150,000, then you’ll have $100,000 worth of out-of-pocket expenses to cover before the umbrella coverage kicks in.

Also, you must keep in mind that all umbrella insurance policies work to protect you and your assets. However, only some of these policies apply in certain situations. Consider a situation in which a hit-and-run driver causes you harm while you are riding your motorcycle and you are unable to obtain the at-fault party’s insurance information. In this situation, your standard motorcycle insurance will provide coverage up to its limits. However, umbrella coverage will only kick in if your standard policy includes uninsured and underinsured motorist coverage.

Invest in Excess Liability Coverage Now!

Getting in touch with an independent agent at Texas Classic Insurance is the easiest way to compare coverage, choices, and costs for umbrella insurance in Granbury, TX. One of our agents can shop around for the best prices and help you create a policy that is tailor-made to your specific requirements and budget.

Should I Wait Until My Home Has Flood Damage to Get Flood Insurance?

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At Texas Classic Insurance, we have seen plenty of homeowners who wait until they see the effects of flood damage to get a flood insurance policy in the Granbury, TX region. Unfortunately, as these homeowners discover the hard way, waiting until you need insurance can be the worst strategy for choosing the right insurance policy for you. If you want to know the right time to get flood insurance, we’ve got you covered.

What is flood insurance?

As the name implies, flood insurance is a type of insurance that specifically covers damage, repairs, and losses related to flooding from natural disasters. It can cover items inside the home such as refrigerators, washers, dryers, and other appliances. It can also cover costly repairs and maintenance related to flood damage such as the removal of debris and electrical repairs.

Additionally, policies of flood insurance can also sometimes cover personal items that are lost or damaged as a result of flooding. Since every policy is different, it is important to check with your flood insurance provider to see what the specific details of your policy include.

When should I get flood insurance?

Although it might be tempting to wait until flooding actually happens to get flood insurance, we always tell our clients that the best time to get an insurance policy was yesterday (or when you bought a home). If you wait until you see damage from flooding, your policy will not cover that retroactively in most cases. Additionally, you’ll have to spend time waiting for the insurance coverage to kick in. This can mean spending your own time, energy, and resources on repairs while waiting for insurance coverage.

Contact Us Today

We are here to assist with your flood insurance coverage options. Give us a call at Texas Classic Insurance in Granbury, TX today!

 

Does Renters insurance Replace Major Appliances?

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If you own or at least the space you live in, you need to get renters insurance protection. Renter’s insurance provides various coverage that gives you security and peace of mind.

If you require renters insurance, you can trust the professionals at Texas Classic Insurance, proudly serving Granbury, TX.

Renters Insurance Protection 

Renters insurance provides security for a covered individual. This type of insurance allows liability coverage and some contents coverage. If there is a fire, theft, or other covered events, this insurance will reimburse covered items and possibly provide housing while repairs are being made. If you have questions about renters insurance or are trying to decide which type of policy works best for your specific needs, we can help.

Our agents work closely with each customer to provide them with information and outline the terms and conditions of each insurance policy. They can carefully assess current and future needs to recommend policies that meet your specific needs. They can also help submit documentation and information to begin policy coverage, handle any changes during the policy’s lifetime, or submit information for claims.

We believe in complete customer service before, during, and after the policy purchase. Let us help provide you with a renters’ insurance policy that meets your needs so you can have peace of mind knowing you’re covered if there’s an event. 

Reach Out Today 

Residents in and around Granbury, TX, area interested in securing top-quality insurance protection from Texas Classic Insurance, whether it’s renters insurance or any other insurance product, can count on us to assist. Please call or stop by our office to speak to one of our knowledgeable insurance agents. We are ready to serve you today.

Finding A Policy For Your Small Business

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Starting your own business is an exciting and exhausting experience. Between finding a location, ordering supplies, and determining a profit margin, you may start to feel overwhelmed and unsure of how to take care of everything all at once. It can become difficult to keep everything to create the best and most profitable business that you possibly can.

That is why there are professionals available to help you with the important task of insuring your small business and protecting your assets and yourself. 

Finding A Policy For Your Small Business

Small business insurance is the most vital way to ensure that your products, supplies, and business location are covered in the event of theft, accidents, or natural disasters. You should also look for a policy that provides protection for your customers and employees as well. If someone were to slip and fall or injure themselves in any way while inside your place of business, you could very easily be held liable.

Without insurance, you could end up spending thousands of dollars on legal representation and payouts to the injured party. You want to make sure that no extra costs are taken from your earnings so that they can instead be allocated to your business.

Contact Us Today

Texas Classic Insurance is located in Granbury, TX, a small lake town outside of Fort Worth that is known for its country charm, making it the perfect place to open your own business. Texas Classic Insurance has insurance agents who are ready to assist you with insuring your new business venture. If you are in the Granbury, TX area, stop by the office to discuss your new business insurance policy with the experts. You can also call or contact Texas Classic Insurance through the website. 

How to Choose The Right Home Insurance Coverage For Your Needs

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As a homeowner in Granbury, TX, you know that protecting your home is essential. One of the best ways to do that is by having the right insurance coverage. But with so many options available, how do you choose the right policy for your needs? Texas Classic Insurance is here to help. 

Home Insurance Coverage Basics

Every home insurance policy is different, but some basic types of coverage are typically included. These include:

Dwelling Coverage:

This covers the structure of your home in the event of damage from a covered peril.

Other Structures Coverage:

This insurance covers detached structures on your property, like a garage or shed.

Personal Property Coverage:

This covers the contents of your home, such as furniture, appliances, and clothing.

Liability Coverage:

Liability coverage protects you if someone is injured on your property and sues you.

Your Texas Classic Insurance agent can help you determine the best coverage for your needs and budget. Give us a call today to get started.

Replacement Value or Actual Cash Value?

One of the most important choices you’ll make when buying home insurance is whether to get replacement value or actual cash value coverage. The difference is that replacement value covers the cost to repair or rebuild your home, while actual cash value only covers the depreciated value of your home.

Choosing the Right Amount of Coverage

Your home is one of your most valuable assets, so it’s essential to ensure you have enough coverage to protect it in the event of a disaster. The amount of coverage you need will depend on factors like the value of your home and the amount of personal property you have. It’s a good idea to talk to an insurance agent to get an estimate of how much coverage you should carry.

As a homeowner in Granbury, TX, it’s essential to have the right home insurance coverage to protect your investment. Contact our team of insurance experts at Texas Classic Insurance to get started!

Does my health insurance cover me if I travel to Mexico?

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Mexico is a beautiful country with a rich culture and history, and it’s no wonder that so many people from Granbury, TX enjoy traveling there. But if you’re planning a trip south of the border, it’s important to make sure you have the right health insurance coverage. So, does your regular health insurance cover you if you travel to Mexico? Let’s take a look.

The Truth about Your Health Insurance and Mexico Travel

If you have health insurance through the Affordable Care Act (ACA), also known as Obamacare, then you may be covered for emergency medical care while you’re in Mexico. However, this only applies if you’re traveling within 125 miles of the U.S. border—so if you’re planning to head further south, into the heart of Mexico, then you’ll need to purchase additional travel health insurance.

Even if your regular health insurance covers you while you’re in Mexico, it’s still a good idea to purchase travel health insurance. This is because most U.S. health insurance plans do not cover the cost of evacuation back to the States in the event of an emergency—and let’s face it, accidents can happen anywhere. So, if you want to be fully covered during your Mexican vacation, consider purchasing a travel health insurance policy to cover your medical and evacuation expenses.

Contact Texas Classic Insurance Before Your Trip

Regarding travel and your health insurance coverage, it’s always better to err on the side of caution. If you’re planning a trip from Granbury, TX to Mexico, make sure you have a travel health insurance policy that will cover you for both medical expenses and evacuation costs. Contact Texas Classic Insurance to make sure you have the medical insurance you need. Then, you can relax and enjoy your vacation knowing that you’re fully protected against any unforeseen emergencies.

5 Common Mistakes People Make When Buying Motorcycle Insurance

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In Texas, motorcyclists are required to have insurance. At Texas Classic Insurance, serving in Granbury, TX, we often see people making the same mistakes over and over when they come to purchase a policy.

Here are the five most common mistakes and how you can avoid them:

1. Not Shopping Around 

The first mistake people make is not shopping around for the best rates. There are a lot of insurance companies out there and they are all competing for your business. Don’t just go with the first company you find. Take your time and shop around for the best rate.

2. Not Knowing What You Need 

The second mistake people make is not knowing what kind of coverage they need. There are different types of coverage and it’s important to know what you need before you start shopping around. The most common types of coverage are liability, collision, and comprehensive. 

3. Not Reading the Fine Print 

The third mistake people make is not reading the fine print. It’s important to read all of the terms and conditions before you sign any insurance policy. You don’t want to be stuck with a policy that doesn’t cover what you think it does.

4. Buying Too Much or Too Little Coverage 

The fourth mistake people make is buying too much or too little coverage. You don’t want to overpay for coverage you don’t need, but you also don’t want to skimp on coverage and end up being underinsured. That’s why it’s so important to know what you need before you start shopping around. 

5. Not Reviewing Your Policy Yearly 

The fifth mistake people make is not reviewing their policies yearly. Your needs change over time and your insurance policy should reflect that. Make sure to review your policy at least once a year to make sure it still meets your needs.

Buy the Right Motorcycle Insurance Coverage Today

These are just a few of the most common mistakes people make when buying motorcycle insurance here in Granbury, TX. At Texas Classic Insurance, we see them every day. We’ll help you avoid these mistakes and get the coverage you need at a price you can afford. Give us a call today or visit our website to get started.

What is the value of having a boat insurance plan in Texas?

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The summer months in the Granbury, TX area can be long and hot. Due to this, having a way to enjoy the sun and also stay cool is important. One way you can have fun and enjoy your summer is by getting a boat. If you are going to purchase a boat, you also need to select a boat insurance plan.

This type of insurance provides various forms of value:

Cover Your Boat

Your boat is a valuable asset that you will want to be able to enjoy for as long as possible. The investment in a quality boat insurance plan is a good way to ensure this happens. With a boat insurance policy, you will get the coverage needed to repair or replace your boat if you experience a loss due to theft or damage to the boat. 

Reduce Risk of Liability

Boat operators in the state of Texas should always do their best to be careful. However, even a cautious and experienced boat driver will run the risk that they could result in a collision or other accident. If this happens, they will need to cover any damage that they cause. With boat insurance, you will receive liability coverage that can mitigate this risk and cover the costs of any damages. 

Give Us A Call

If you do live in the Granbury, TX area, you can find that owning a boat is a great option and a way to have fun during the warm months of the year. When you start looking for insurance here, you can call Texas Classic Insurance. Picking the right insurance plan for your boat is important and Texas Classic Insurance can help. The team will spend time assessing your situation to ensure you are aware of your needs and options, so you can select an ideal plan. 

4 Benefits of Umbrella Insurance

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Usually, people buy different policies to protect themselves, loved ones, and valuables from various risks. An umbrella insurance policy from Texas Classic Insurance is extra liability insurance that protects you when faced with significant claims. It takes over when the underlying conventional insurance policy has been exhausted. Are you interested in umbrella insurance in Granbury, TX? Read on to learn more.

Here are the benefits you will derive:

Protects your assets

If you are legally responsible for a liability claim, your underlying coverage will protect you up to the extent of your coverage limit. For the costs exceeding your conventional policy, you will fork out the difference from your pocket, putting your assets on the line.

Umbrella insurance protects your assets when faced with significant liability claims. This means you can have peace of mind knowing that no one will come to claim the assets you have worked so hard to acquire.

Offers broad coverage

Umbrella insurance protects you against liability claims not covered by other conventional liability policies. For instance, umbrella insurance covers personal liability, such as libel and slander, usually not included in your home or auto liability coverage.

Has no geographical limitation

The liability coverage in your auto or home insurance only works within the American borders. However, this isn’t a limitation of umbrella insurance — as long as your coverage is active, it protects you anywhere in the world.

It’s affordable

Because umbrella insurance gives you broad and high coverage, you might think it costs an arm and a leg. The reality is that umbrella insurance is super-affordable because it takes over from where the underlying policy leaves off. If you don’t believe umbrella insurance is affordable, please call or email us for a quote.

Give Us A Call

Would you like to purchase umbrella insurance in Granbury TX? Please get in touch with Texas Classic Insurance for a no-obligation quote.

What Does the Flood Insurance Claims Process Look Like?

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As the most common natural disaster in Texas, flooding has put all parts of the state, including cities like Granbury, TX, at risk. But, thankfully, we at Texas Classic Insurance offer the financial protection you need when such a disaster occurs.

Let’s say you already have flood insurance coverage with Texas Classic Insurance. Your house gets flooded, and the flooding causes a great deal of damage to several areas of your property, including the wiring, the septic system, and some of your furniture. What will you do?

Besides reducing the water flow as much as possible and curbing as much damage as you can, you’ll have to file a flood insurance claim. Although dealing with flooding can be very stressful and devastating, your insurance company will know what to do once you get in touch with them.

Here’s how to file to flood insurance claim:

  1. Contact your insurer–in this case, Texas Classic Insurance–and report your loss. You can expect your adjuster to get in touch with you between 24 and 48 hours after reporting your claim. Be prepared to provide information such as the name of your insurance company, your phone number, your policy number, and the name of your mortgage company (if applicable).
  2. Get ready for the inspection. After making sure that re-entering the building is safe enough, take videos and photos of the damaged property. This will count as evidence, which your adjuster will need in order to come up with your repair estimate.
  3. Work with your adjuster. When they arrive, they should present their ID to you, including their driver’s license and company ID or FCN card. Your adjuster should discuss the NFIP flood claims process, what an advance payment payment is and how you can obtain one, your policy coverage, a rundown of the claims process, and more.
  4. Document your damage. Your adjuster will help you with this part as well. They’ll also work with you to prepare and submit your repair estimate. If everything is done correctly, you can expect to receive a flood payment that corresponds to your flood loss.

Contact Us Today

If you live in the Granbury, TX area and want to protect your home from flood loss, Texas Classic Insurance, which provides a wide range of insurance services, is the way to go. For a free consultation, contact us at 817-279-7200 and you’ll be able to speak with one of our experts.

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