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Do I need motorcycle insurance to drive in Texas?

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Not every state requires motorcycle drivers to carry insurance. However, most states do. As a driver, you need to know which states require you to carry motorcycle insurance if you plan on driving in various states. Our team at Texas Classic Insurance is dedicated to helping Granbury, TX motorcycle drivers get the insurance coverage they need as well as understand the laws in terms of insurance coverage.

Do I need motorcycle insurance to drive in Texas?

Yes. Motorcycle insurance is a requirement in the state of Texas. Everyone who plans to operate a motorcycle in Texas must carry liability insurance for a motorcycle. Liability coverage must be carried to legally operate your motorcycle within the state of Texas.

Liability coverage helps motorcycle drivers provide financial coverage for any accidents they may cause. Bodily injury (BI) and property damage (PD) are the types of coverage provided by liability insurance. This insurance will pay any medical bills the other driver or injured person suffers as a result of an accident you cause. Any property damage you cause to the other driver’s vehicle or property is also covered by liability insurance. 

What are the coverage levels required for Motorcycle Insurance in the state of Texas?

Everyone who plans to legally drive their motorcycle in the state of Texas must carry liability insurance that includes $30,000 or more in bodily injury coverage per person and $60,000 per accident. Drivers must also carry at least 25,000 in property damage coverage.

Of course, drivers can carry more, but the state minimum levels must be met to legally drive a motorcycle within the state of Texas.

Looking for Insurance in Granbury, TX?

If you have questions regarding motorcycle insurance, we’d be glad to answer them. Call us at Texas Classic Insurance. 

Four things not to do when you need boat insurance

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Boat owners need to understand how important their boat insurance coverage purchase decision is. We can help you make the right decision about buying boat insurance in Granbury, TX. Get in touch with us at Texas Classic Insurance to learn more about your insurance options.

When you choose a boat insurance policy, you need to avoid mistakes that could end up costing you a lot of money.

The following are four things not to do when you need boat insurance:

Procrastinating about buying boat insurance

Buy boat insurance right away before you take your boat out and use it. Boat insurance protects the investment you make in your boat.

Boat insurance also protects you from severe financial consequences if you are held liable for accident damages resulting from a boating collision. 

Purchasing an actual cash value policy

An agreed value policy guarantees you that you’ll get a certain amount back if your boat is destroyed in an accident.

If you choose an actual cash value policy, you may get much less than your boat is worth in the event of a total loss because your boat has depreciated significantly in value. 

Assuming you’re covered through your home insurance

Although home insurance may offer limited coverage for your boat, this coverage is generally not adequate to protect you if you get involved in an expensive accident.

You need to purchase a separate boat insurance policy if you want an adequate amount of financial protection. 

Buying a boat insurance policy on impulse

Put thought and research into your boat insurance policy choice. Make sure that you understand what you’re getting and that you compare quotes from multiple providers.  

Call us to get a policy quote

You need to do your research before you buy boat insurance. At Texas Classic Insurance, we’ll be happy to assist you with finding coverage for your boat in Granbury, TX.

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. 

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