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Granbury, TX 76049

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5 Common Mistakes People Make When Buying Motorcycle Insurance

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?

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

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?

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.

Time to upgrade your condo policy to comprehensive protection?

Texas Classic Insurance is here to provide insurance services for the greater Granbury, TX community. If you are in need of a condo policy for your new home, or you want to upgrade your current policy, give us a call today.

Benefits of a comprehensive condo policy

When it comes to condo insurance, not all policies are the same. A basic condo policy will provide some protection, but will likely prove inadequate if any substantial damage occurs in your unit. Having the right policy in force before you need it is the smart way to approach condo insurance.

A comprehensive condo policy can provide benefits such as:

  • Additional liability protection
  • Coverage of damage caused by another unit owner
  • More robust personal article insurance levels

Don’t think that just because your condo board has its own policy protecting the building, your unit will also be protected. Condo insurance, when held by a Board of Directors or a Condominium Owners Association, covers damage caused to the building structure and any common areas.

For example, if there is a leak in the building’s roof that causes damage, the COA policy would cover the cost of repairs and other associated costs. If your upstairs neighbor has a leak that damages your unit, it will be covered under your condo policy.

Find out more today!

Condo owners in the greater Granbury, TX area can rely on the team at Texas Classic Insurance for all of their personal and commercial insurance needs. We can help you find the right policy for your specific needs. Give us a call or stop by today!

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.

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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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