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Answers To Your Auto Insurance Questions

Auto insurance is a unique type of expense because it is one of the few expenses you have that is required by law. Because of the important nature of this expense, it is very important that you always get a good deal on your auto insurance. At Texas Classic Insurance, serving Granbury, TX, and the surrounding areas, we can help you better understand auto insurance. Keep reading to learn more. 

Auto Insurance FAQs

What Happens Without Auto Insurance?

If you do not carry the proper amount of auto insurance, you will be at risk of breaking the law. If you are pulled over and you are not properly insured, you will receive a citation. In some instances, this offense can affect the validity of the license as well. Not carrying proper insurance can get very expensive. 

What’s The Difference Between Full Coverage and Liability?

Many drivers, especially new drivers, are confused concerning the different types of auto insurance available. 

Full coverage insurance is a type of insurance policy that provides coverage to pay for any damages or injuries that may be caused to another vehicle or driver if you are at fault in an accident. This type of coverage will also pay for any damages or medical expenses for you as well. If your car is stolen or damaged due to a natural disaster or some other specified event, the policy will also pay for repairs or replacement for your vehicle. 

Liability coverage, on the other hand, only pays for damages or medical expenses to another vehicle or driver if you are at fault for those expenses. Liability coverage does not offer a great amount of protection for you as a vehicle owner. 

If you would like to learn more about our services, please contact us at Texas Classic Insurance, serving Granbury, TX, and the surrounding areas. 

3 Reasons Why Commercial Insurance Is Beneficial

Texas Classic Insurance is an independent agency. We serve the Granbury, TX community, as well as the surrounding areas. We have relationships with several carriers across the state. We simplify the process of searching for insurance so that our clients can obtain the policies they are looking for. We look forward to helping you obtain the right coverage for your situation.

3 Reasons Why Commercial Insurance Is Beneficial

Texas businesses are constantly searching for strategies to help them stand out in a competitive climate. As a local Granbury, TX business owner, commercial insurance can help you protect your investment. The policy covers any damage to your equipment. You’re also covered if your inventory is stolen. Your place of operation is covered if it’s damaged due to a fire, natural disaster, or an act of vandalism. If your property suffers serious damage, business interruption coverage can help keep things afloat until things get back to normal. Liability coverage protects you if your business causes property damage or if a customer gets injured while using your products. Here are a few reasons why commercial insurance is beneficial.

Increases Your Reputation

Obtaining a strong insurance policy gives a signal to your potential customers that they are supporting a business with integrity. This helps you maximize your investment over the long run.

Improved Employee Morale

Workers’ compensation is a foundational aspect of commercial insurance policies. A strong workers’ compensation plan keeps employee morale high, which in turn allows your business to continue functioning properly.  

Safety Net

If you are faced with potential litigation in the future, you’ll have commercial insurance as protection.

Texas Classic Insurance Will Help You Protect Your Investment

Contact us today to learn more information about commercial insurance.

5 Benefits of home insurance in Granbury, TX

Owning a home is rewarding. But, it’s also a lot of work. 

Texas Classic Insurance wants to help you protect your investment. Serving Granbury, TX, the agency knows the best way to do that is with a home insurance policy. In addition to offering peace of mind, a home insurance policy provides these five practical benefits.

Protects primary dwelling

Protect where you live. As the name implies, this is the main purpose of home insurance. Damage from fire, hurricanes, or tornados does occur, insuring your home can help reimburse any replacement costs.

Covers additional structures

But this isn’t the only building that’s included. Any detached structures, like garages, sheds, decks, or fences, are protected as well. Coverage limits can vary, so customize your policy to ensure adequate protection.

Safeguards belongings

What’s inside these buildings is valuable too. Home insurance applies to furniture, appliances, electronics, and other personal possessions in the event of a covered loss. Texas Classic Insurance recommends conducting a home inventory first. This will help your agent determine proper policy limits.

Provides liability

Accidents can be costly. This is especially true if you are found to be at fault. If someone is injured on your property, liability kicks in. Liability coverage can reimburse medical bills or legal expenses, even for incidents like a dog bite or slip and fall.

Pays additional living expenses

Home insurance can also help if your home becomes inhabitable. If damage, destruction, or needed repairs forces you to relocate, "loss of use" is key. This repays any relocation-related expenses that are incurred, like hotels, travel, and meals.

Contact an agent serving Granbury, TX

Enjoy these benefits yourself by purchasing a home insurance policy. Texas Classic Insurance can help find a plan that’s right for you. Call to schedule an appointment today.

How Renters Insurance Protects Property

Texas Classic Insurance is an independent agency. We serve the Granbury, TX community, as well as the surrounding areas. We work closely with multiple carriers throughout the state to help make sure that our clients are protected if an emergency arises. We will sit down with you and assess your situation. This allows us to offer you a unique policy that covers your assets.

How Renters Insurance Protects Property

The Granbury, TX community is home to several high-end rental properties. If you are moving in, be sure to add a strong renters’ insurance policy. Renters insurance helps alleviate stress. If you plan to welcome guests over or throw a formal party, renters insurance covers you in a potential liability dispute. Perhaps one of your guests gets injured in an accident while visiting you. Perhaps you are hosting a party at your rental property and alcohol is involved, leading to a drunk guest damaging your neighbor’s door or getting into an auto accident. These are common situations where liability coverage can protect you from a lawsuit.

The foundation of your renters’ insurance policy is covering your possessions. Renters insurance covers your possessions if they are stolen. Be advised though, that it is a good idea to add extra coverage if you have high-end items at the property. This ensures that you will be fully covered if you need to replace the damaged items. Renters insurance also includes alternative living coverage. Alternative living coverage protects you if your rental property is damaged, and you need to stay elsewhere until the necessary repairs are made.

Texas Classic Insurance Will Help You Protect Your Assets

Visit our website to learn more information about renters insurance.  

Protect Your New Apartment With Renters Insurance

At Texas Classic Insurance, we know many Granbury, TX, apartment renters who refuse to buy a renter’s insurance policy. We believe this action is a dangerous type of gambling in which nobody comes out ahead.

Why You Need a Policy

If you’re still not sure that you need a renter’s insurance policy, it is important to grasp why it is such an important thing to add to your bottom line. Just a few reasons why you might need this policy include how:

  • The Owner’s Policy Won’t Help You – Your apartment building owner insures their building structures and anything they’ve added to the apartment. Their policy does not protect you or anything you added to the apartment, meaning they’ll get paid and you will not.
  • Total Loss is Otherwise Common – When you don’t have renter’s insurance and your apartment burns to the ground, do you know what happens? You lose everything and will have to pay for it again to replace it. Some things, like family pictures, are simply not replaceable.
  • Policies Aren’t That Costly – Another thing to remember is that your policy is likely to be surprisingly affordable and easily fit into your rent package. The cost of not getting your goods protected is guaranteed to be much higher than any renter’s insurance policy.

Your policy should help to replace any items in the home, including expensive electronics, your clothing, personal belongings, and anything else that you added to the home.

Get the Policy That You Needle

As you can see, a renter’s insurance policy is a wise choice and is something that you can’t afford to ignore. So if you live in the Granbury, TX area and need a policy that works for you, please call us at Texas Classic Insurance to learn more about your many different options.

What Should I Do Before My Next Motorcycle Trip?

Do you love riding motorcycles? If so, then you’ve probably been looking forward to your next motorcycle trip. But before you go on the trip of a lifetime, there are some things that you need to do. Here are some of them.

1. Get the Right Gear

While riding, the gear you wear can mean the difference between life and death, so getting the right stuff is important. Make sure that your helmet fits well and is safe, then commit to wearing it whenever you ride.

When choosing gloves, go for comfortable ones that don’t restrict your ability to operate the controls. You should also find boots that give you great support and won’t weigh you down when riding.

2. Check Your Bike

At the very least, you’ll want to make sure that your tires are inflated and have enough tread. You should also check your brakes, both the front and the rear, and your suspension to ensure that they’re in good condition. Keep an eye out for any leaks, too!

3. Protect Yourself

The motorcycle insurance policy you have is there for a reason, but it’s important to make sure that you abide by the rules. If you don’t have a motorcycle insurance policy yet, now is a great time to get one. If you are in Granbury, TX, Texas Classic Insurance can help you find the right coverage.

4. Plan Your Route

Ensure that you know where you’re going and how to get there before setting out on your trip. Learn where the parking is, where the best stops are for fuel and any other areas that you may find invaluable while on your trip.

Motorcycle trips are a lot of fun, but make sure you’re prepared before you go on one. With the right motorcycle gear and motorcycle insurance, nothing can stop you from having an incredible experience. Call Texas Classic Insurance to learn more about motorcycle insurance in Granbury, TX.

Boat Insurance FAQs

Whether purchasing a new or second-hand boat, you should talk to Texas Classic Insurance and get advice on why you need insurance coverage. Buying boat insurance is the surest way of guaranteeing your safety and that of your boat while in the waters. 

But before purchasing boat insurance in Granbury, TX, you might have some questions. Luckily, we have assembled a FAQs section to answer queries that you might have.

Is boat insurance mandatory?

In Texas, no law requires boaters to purchase watercraft insurance. However, if a federal-registered lender has financed your boat purchase, they may require you to buy boat insurance. 

What are the different boat insurance coverages?

When shopping for boat insurance in Texas, you are likely to bump into the below coverages:

  • Liability coverage: In the unfortunate case you cause an accident that causes damage or loss to other people’s valuables, boat insurance covers the resulting bodily injury and property damage. The costs may be high, but with the help of boat insurance, they become easy on your pocket.
  • Uninsured watercraft coverage: In cases where an uninsured boater hits your boat, your boat insurance meets the uncovered repair costs.
  • Physical damage coverages: Boat insurance pays for the repairs or replacement of your boat if it sustains physical damage from a covered peril. For instance, if a fire destroys your boat, your insurer pays for the damages up to the coverage limit. 
  • Medical payments coverage: This policy covers medical expenses for you and your passengers following a boating accident.

What impacts boat insurance rates?

Boat insurance coverages differ depending on various variables. Here are some factors that affect boat insurance rates. 

  • The value: The more valuable your boat is, the more insurance premium you will pay.
  • Type of boat: Ski boats, bass boats, cabin cruisers, deep-waters fishing boats, pontoon boats, etc., have different insurance needs and varying rates.
  • Horsepower/speed: High-performance boats have higher risks and hence would cost more to insure.
  • Cruising area: Different cruising areas carry different risks, and this has an impact on insurance rates
  • Boating history: If you had a boat accident before, you might pay a higher insurance premium.

Where can I get boat insurance in Granbury, TX?

Your boat means the world to you. For this reason, you should insure it today! That said, reach out to Texas Classic Insurance and get your boat insurance today.

Do I Really Need Umbrella Insurance?

Life is full of uncertainties, and you never know what can happen that leaves you liable for paying medical expenses for another person. Most insurance policies provide liability insurance; however, these policies have caps on how much they payout. Purchasing an umbrella insurance policy as an add-on to your existing insurance coverage can help pay for the expenses basic insurance policies do not provide. 

Those in Granbury, TX should take a moment to speak to their insurance agent or call a specialist at Texas Classic Insurance to learn more about umbrella insurance options. 

Financial Situation

Your decision to purchase umbrella insurance should be based on your financial situation. For example, if you are in an accident where you are found liable for the other driver’s injuries, and the court deems you must pay $500,000 in damages. However, your primary auto insurance policy only covers $300,000, leaving you with $200,000 to pay for out of pocket. Would you be able to pay for that? Unfortunately, most people cannot pay that without causing financial hardship. In this situation, an umbrella insurance policy will pay the $200,000 and any legal fees not covered by your primary insurance policy. 

Personal Assets

If you have a significant amount of personal assets which may be at risk if you are sued, you may want to consider purchasing an umbrella insurance policy. This policy will pay out money for damages instead of the courts seizing your assets. 


If you are found liable to pay for damage and injuries, and you cannot pay, the court may order to have a portion of your paycheck garnished until the amount is paid. 


Some people are at a higher risk of being sued, including business owners. If there is a high chance of being sued, you may want to protect yourself with an umbrella insurance policy. 

The experts at Texas Classic Insurance are ready to help you understand the benefits of an umbrella insurance policy. Residents of Granbury, TX should call today to speak with an agent. 

Flood Insurance vs. House Insurance: Do I Really Need Both?

House insurance is one of the most important types of insurance you can carry. The state of Texas is no exception. While there is no mandatory requirement for house insurance, most mortgage companies and banks require it in order to finance your housing loan. 

House insurance normally covers the following types of problems:

  • Fire
  • Flood
  • Vandalism or Theft
  • Structural damage due to no fault of your own
  • Other "Acts of Nature"

So the question we often get at Texas Classic Insurance is, "If I have house insurance, why do I need flood insurance?" 

The answer is that, while house insurance does cover a certain amount for flood damage, it may not be enough to pay for the massive damage a major flood can bring. Floods can create such high degrees of damage that the entire home can be compromised or left unsafe to live in.

When this happens, you will be paying for the rest of the damage with your own pocket. 

What to Do?

To avoid serious financial setbacks from a flood, visit with the insurance experts at Texas Classic Insurance. Serving Granbury TX and the surrounding area, they have years of experience estimating both the potential damage and the resulting expenses from a flood.

They can visit with you and show you how much flood insurance you need to cover all of the potential loss so that you won’t have to take it out of your savings!

General vs. Specific

In conclusion, you should think of house insurance as a general overall type of protection that covers a wide variety of issues that can happen to your home, causing damage. But the limits are often not as much as to flood insurance, which focuses on offering insurance to protect you from flood damage, which is much more narrow in scope and offers more flood protection.

In either case, you need to talk to experts to decide which is right for your home. If you live in a flood plain (as 12% of Texans do), you may need both. If not, you’ll be that much safer if you carry flood insurance in addition to your home insurance plan.

Visit with Texas Classic Insurance today, serving the Granbury, TX area and keeping Texas safe from loss due to floods. 

What Does Your Condo Insurance Cover in Texas?

Condo insurance in Texas can be confusing. You are responsible for having some condo insurance, but your condominium association will be responsible for some as well. That is because the benefit of owning a condo is being a part of an association that takes care of many elements of homeownership for you, so that you have fewer responsibilities. 

At Texas Classic Insurance, we want Granbury, TX condo owners to know what their Texas condo insurance covers, so that you are covered for every risk. 

What Does Condo Association Insurance Cover?

Every condo association will design their own unique condo association insurance policy. The most common kinds of coverage on every condo association insurance policy are liability coverage and property damage coverage.

Liability coverage will cover the association if anyone is injured in the areas commonly used by owners and their visitors. Property damage insurance will cover them if the common condo areas are damaged by fire, theft, or other perils.

As a condo owner, you will not be responsible for any of the damages to common areas unless you caused the damage, or it is specified by your association as part of ownership.

What Your Condo Insurance Will Cover

In Texas, condo insurance is not mandatory unless your lender asks that you get that coverage, which is often the case. Your own personal condo insurance will cover you for liability coverage and contents, and any additional coverages you put on your condo insurance yourself. 

The most common condo insurance add-ons include loss assessment coverage and improvements coverages to start.

Liability coverage will protect you if anyone that is in your condo suffers an accident or injury. Your liability coverage may not always cover you on-site. There are some policies where your liability coverage goes where you go.

Contents coverage will cover your contents in the event of theft or fire. If you have a storage locker on site, those contents will be covered as well. 

Loss assessment coverage will cover you in the event that the condo association insurance has a claim that exceeds their own caps on liability or property damage. In those situations, condo owners are often asked to divide the costs amongst themselves, a claim that is covered by loss assessment coverage. It’s never a bad idea to have this, and may be required by some lenders.

Get a Quote

At Texas Classic Insurance, we want Granbury, TX owners to feel comfortable about their insurance coverage. Call us for a quote today.

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Partner Carriers

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

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