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Is Commercial Insurance Optional or Required?

If you’re going to be launching a new business soon, then chances are you’re getting everything in order. From perfecting the product or service you’re going to be offering to marketing and everything in between, you undoubtedly have a lot to do. One thing that you need to think about is insuring your new business. Serving the greater Granbury, TX community, Texas Classic Insurance is here to assist. 

Here are some important aspects of commercial insurance that you need to consider:

Is Commercial Insurance Required in Texas?

While commercial insurance may be required in some states, it’s not required in the state of Texas. To clarify, as long as your business doesn’t own any vehicles, general liability insurance is not a requirement by the state. However, if you have business vehicles, it is required that you cover them under commercial insurance. 

There Are Benefits to Investing in General Liability Insurance Coverage

Starting a new business can be very costly, and you might believe that general liability insurance coverage is an expense that you can’t afford. However, it’s an expense that you should incorporate into your budget because of its ability to save you money in certain situations. Running an uninsured business is leaving your business vulnerable to liability, as you never know when someone might sue due to injuries sustained on your property.

There are other possible reasons that someone might wish to bring litigation against your company, and without adequate general liability coverage, such an event could easily put a newly established company out of business. Therefore, you should realize that general liability insurance coverage is a necessity even if it isn’t required by the state. 

Schedule A Consultation Today!

As you can see, general liability insurance isn’t a requirement in the state of Texas, but if your business is located in or near Granbury, TX and you’d like to start a new policy, contact us at Texas Classic Insurance. We have many years serving customers’ needs for all types of insurance, and we’re available to serve you as well. 

When is the best time to review your home insurance policy?

At Texas Classic Insurance in Granbury, TX, we put the interests of our customers first. As an independent insurance agency, we work for our customers, not for the insurance carrier. We communicate with our customers to help them to make the decisions about coverage that will provide them with the coverage they need. 

Reviewing your home insurance policy

When your personal worth rises

If your assets have increased since you got your home insurance policy, it may be time to look at how much liability coverage you have and consider getting more and maybe adding an umbrella policy. Judgments have risen over the years, likely at a faster rate than your coverage. 

When your policy renews

If you haven’t been reading your home insurance policy, you are doing yourself a disservice. By looking at the declaration page, you can quickly see your coverage and determine if it makes sense with what you know. Is your deductible correct? Do you have the amount of liability coverage you need? Should you extend your coverage with endorsements? 

Has your liability risen?

Have you gotten a dog? Added a pool or a trampoline? These add more liability to your life and having your home insurance keep pace is vital to your financial security. 

Have you made improvements to your home?

Have you added square footage to your home with an addition or by finishing your basement or attic? This can increase the value of your home significantly, and if you haven’t let your insurance company know, your policy may be lagging behind the actual value of your home. If you have added a security system, you may be eligible for a discount. Talk to your insurance agent. 

Contact Texas Classic Insurance in Granbury, TX to discuss your home insurance needs. Give our office a call or reach out through our website. 

What do I need to think about when shopping for health insurance?

Anyone that is in the Granbury, TX area should be aware that they will have many personal insurance needs. A type of coverage that all people in the area will need to get is health insurance. This can be a complex type of coverage that comes with any options and choices to make. If you are going to shop for health insurance, there are various factors that you should consider. 

Coverage and Benefits

Each health insurance plan will vary considerably from the next. It is important to carefully review your plan options to ensure you are getting one that is right for your situation. This includes ensuring you understand your coverage levels for doctor visits, medication, major medical procedures, and specialist care.


You should also spend time ensuring you are comfortable with the network you have access to. Most insurance plans have a somewhat limited network of available doctors. You should review the insurance plans and networks to ensure your doctor is part of it. Otherwise, you may spend quite a bit more on out-of-network coverage.

Out-of-Pocket Maximum

You should also consider your maximum out-of-pocket costs. This is the most you will have to pay each year, no matter what you spend on healthcare. A lower maximum will provide support if you have health issues that can be expensive to care for.

Reach Out To Us

Health insurance should be a top priority for anyone in the Granbury, TX area that is looking to improve their personal insurance situation. If you are looking for this type of insurance here, you should call us at Texas Classic Insurance. At Texas Classic Insurance, we know the importance of having the right health insurance. As there are so many options to consider, we can give you the support you need to build a new plan. 

Do I need motorcycle insurance to drive in Texas?

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

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?

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?

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?

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

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

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!

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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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