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.
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:
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 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!
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.
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.
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.
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.
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.
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:
- 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).
- 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.
- 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.
- 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.
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!
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.
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.
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.