I’m Moving To A New Rented Property. Do I Need To Take Out New Coverage?

If you’re moving to a new rented property, it’s vital to ensure that you have the correct level of coverage. Your current policy may not be valid for your new home, so it’s best to speak to an insurance expert and get some advice. In this article, we’ll discuss the different types of cover available for renters and help you decide which one is right for you.

Can You Move With Your Current Policy?

If you’re moving to an area your current insurance agency covers, you may be able to keep your policy. However, it’s always best to speak to them and let them know about your move, as some changes may need to be made. For example, your premium could go up or down depending on the area you’re moving to. Professional companies such as Revolutionary Insurance Group in Corpus Christi, TX are always glad to accommodate clients.

Why Your Old Policy May Not Cover Your New Rental

There are a few reasons why your old policy might not cover your new home. The most common reason is that the level of coverage in your old property might not be sufficient for your new one. For example, if you’re moving to a more expensive property, you’ll need to ensure that your insurance covers the increased value of your belongings.

You may also be moving to a different type of rental property. For example, maybe you’re moving from a house to an apartment. In this case, you’ll need to ensure that your policy covers the risks associated with your new home.

What Type of Cover Do I Need?

The most common is contents insurance, which covers your belongings in case of theft, damage, or loss. If you have valuable items such as jewelry or art, you might want to consider taking out separate coverage for these items. You may also need liability insurance. It covers you if someone is injured in your home or if you damage someone else’s property.

Conclusion

If you’re moving to a new rented property in Corpus Christi, TX, speak to an insurance expert and get the right cover. Revolutionary Insurance Group is always happy to help, so why not give us a call today? We’ll be glad to answer any of your questions and help you find the perfect policy for your needs.

What Happens If I Don’t Have RV Insurance?

Without RV insurance, the costs of any damages or injuries will fall entirely on you. In the event of an accident or mechanical failure, you might be responsible for paying several thousand dollars in damages. If you don’t have RV insurance, even a minor collision, like scraping your bumper, can cause major headaches. Contact the staff at Revolutionary Insurance Group to receive the appropriate responses in Corpus Christi, TX.

What Should You Do? 

Check if your policy covers recreational vehicles (RVs). You likely need to get a special rider to add the RV to your policy if it does. You’ll need to shop around for RV insurance if your current policy doesn’t cover an RV. It’s best to do this sooner rather than later, as most insurance companies require you to have RV insurance before they let you drive an RV. 

If you don’t have RV insurance and are involved in an accident, your liability will depend on the terms of your rental contract. Most rental contracts have a liability limit of about $100,000, which is often less than the deductible for comprehensive car insurance. What’s more, you might not be covered by the rental company’s insurance if you cause an accident due to negligent driving, such as driving while intoxicated. 

You’ll also cater for any medical bills caused by the accident. Without RV insurance, there’s no way to protect yourself from financial risk. An RV is a sizeable investment, and it only makes sense to protect that investment with the right insurance policy. 

Final Words 

If you do not have RV insurance, you run the risk of being held financially responsible for any injuries or damages caused by your vehicle, regardless of whether or not you were at fault for the incident. If you cause a crash and are uninsured, you may be looking at a much higher financial penalty than if you had insurance. Uninsured drivers may also have their car and license suspended. For expert help, call Revolutionary Insurance Group, a firm serving in Corpus Christi, TX.

When is it necessary to carry motorcycle insurance?

Those in the Corpus Christi, TX area will find that having their own motorcycle can be a great option. A quality motorcycle can be a lot of fun to drive and provides you with an efficient way to move around your community. When shopping for a bike, it is also vital that you choose a proper insurance plan. There are various situations when having a motorcycle plan is a necessity. 

When Using Motorcycle on Public Road

A situation when you will need to have a motorcycle insurance plan is when you want to use your motorcycle on a public road. If you want to operate any vehicle on a public highway in Texas, you will have to carry liability coverage. This insurance ensures you can cover damages you may cause in an accident. Not having this coverage could result in penalization. 

When Taking Out a Loan

It would be best if you also had a motorcycle insurance plan when you take out a loan. Many motorcycle owners will take out a loan to complete the purchase. When you take out a loan, you will have to meet insurance standards set by your mortgage lender. This often includes the requirement that you carry a certain type and level of insurance until you have repaid the loan. 

It continues to be essential for motorcycle owners in Corpus Christi, TX to carry a full motorcycle insurance plan. When looking for a policy in this area, it would be wise to call the team with the Revolutionary Insurance Group. Anyone working with the Revolutionary Insurance Group will understand the team’s value, which will ensure you can get into a policy that will adequately cover you and your motorcycle. 

Types of Boat Insurance Coverage in Corpus Christi, TX

You have several options for boat insurance in Corpus Christi, TX. Although the state doesn’t require coverage, it’s still a good idea to protect yourself from liability. Here is a list of the most common types of boat insurance coverage:

Replacement Cost Coverage

When you choose a replacement cost policy, it pays to replace your boat if it’s damaged or lost. Given the expense of a new boat, this coverage is worth the extra premium. It only pays to return the watercraft to its original state. It will not factor in any upgrades or customizations.

Agreed Amount Coverage

This pays a set amount, regardless of the cost of replacement. If you have an expensive boat, this could be a better option than replacement cost. However, if your watercraft is totaled, you may not receive enough money to replace it. Your Revolutionary Insurance Group agent can help you find the right coverage for all your vehicles.

Actual Cash Value Coverage

This policy type pays the current value of your boat minus depreciation. So, if your yacht is five years old and has a $10,000 value, the insurer would pay out $7,500. This policy is usually cheaper than the other two, but it may not be as beneficial if your boat is no longer usable after the collision.

Your policy might also cover other damages, such as the trailer you used to transport your boat. Discuss your specific needs with your insurance agent to ensure you have the right coverage in place.

Corpus Christi is a great place to own a boat. With its many waterways and beaches, there’s always something to do. But before you head out on the water, be sure you have the right boat insurance.

Contact Revolutionary Insurance Group in Corpus Christi, TX today to review your policy options. We can help you find the right coverage for your needs.

What does my umbrella insurance cover?

When you need protection, grab an umbrella.

Revolutionary Insurance Group knows that umbrella insurance doesn’t just keep you covered. It’s a safety net extending beyond the limits of traditional homeowners and auto insurance policies. While umbrella insurance can provide new coverage, these policies are primarily add-ons to existing plans. Umbrella insurance is about preparing for the worst.

With this in mind, Revolutionary Insurance Group can help. Located in Corpus Christi, TX, our team wants to share five items that are best served with an umbrella insurance policy.

Bodily or personal injuries

When you cause bodily harm to another person, this coverage chips in for any medical bills. Although liability is standard in most policies, it often barely scratches the surface—Umbrella insurance ups your policy limit.

Property damage

Again, liability is standard in most homeowners, renters, and auto insurance policies. Yet, these are insufficient if a severe accident occurs. This will cover any costs of property damage. For liability, coverage limits for umbrella insurance typically start at $1 million.

Personal protection

Umbrella insurance offers some unique coverages. For example, slander, libel, and defamation could all be protected. Loss from being wrongly accused of false arrest may also be included. 

Legal expenses

Lawsuits can be costly. If sued, umbrella insurance reimburses some legal expenses up to the policy limit. This kicks in no matter who is found to be at fault.

Coverage for the whole family

Umbrella insurance doesn’t just apply to the policyholder. These protections extend to any member of your family too. Your policy will define what constitutes a "household," so review your plan closely.

Consult an agent serving Corpus Christi, TX 

When it rains, it pours. Revolutionary Insurance Group knows that umbrella insurance ensures you’re covered. Make protecting your assets, your family, and yourself a priority. Schedule an appointment today.

Texas Flood Insurance Zones Explained

Revolutionary Insurance Group serves the Corpus Christi, TX community. We are striving to change the way that people look for insurance coverage. We work closely with our clients to help them find policies that align with their individual needs. We have relationships with over 20 carriers throughout the state. We offer unique coverage options, so our clients are protected both in the present and while they plan for the future.

Texas Flood Insurance Zones Explained

Flooding is a major problem throughout Texas. Many Corpus Christi, TX residents understand how severe Texas weather is, especially during the summer. Flooding can occur at any moment. That’s why flood insurance is a necessity. The policy covers your property if it is damaged due to severe flooding. Your personal items are also covered if they suffer flood damage. If you have luxury paintings and other valuables at your home, you can amend your policy to cover those items if they are severely damaged due to flooding.

Pay attention to the flood zones, as that can help you adjust your policy, if necessary. Areas B and X along with C and X are considered relatively low-risk flood zones. Occasional drainage problems may occur, but not enough to cause substantial flooding. Areas A and AO are considered high-risk flood zones. There are areas where severe flooding will occur at least once a year. If you reside in these zones, flood insurance is essentially mandatory. If you stay in flood zone V, you may also be legally required to obtain flood insurance. Pay attention the map regularly, as the flood zones could change every few years.

Revolutionary Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.  

Auto insurance FAQs

At Revolutionary Insurance Group in Corpus Christi, TX, we want to revolutionize the way people interact with insurance. We provide world-class customer service that is personalized to each customer. As an independent agency, we can offer more choices and get the best prices available. When it comes to auto insurance, we hope to be able to give you the information you need to make an educated purchase. 

What auto insurance is required in Texas?

Actually, in Texas you are not required to have auto insurance, you are, however, required to prove that you could pay for any damage that you might cause by being responsible for an accident. Most people choose to prove they can pay by having auto insurance, which is the easiest way to do it 

Do I need to keep auto insurance if I don’t have a car loan?

No, in Texas you don’t. However, again, you do need to prove that you have the means to pay for any damage you may be responsible for in an accident where you are at fault. 

Can adult children stay on our auto policy?

Yes, adult children can stay on their parent’s policy as long as they have not changed their permanent address to a different location. So, college-age children who come home during the summer or adult children who move back home or have never left can stay on the family policy. 

Will collision coverage help if I am the victim of a hit-and-run?

Yes, it will. Collision coverage protects your vehicle in the event the other driver is not found. If the other driver is identified, the insurance company will go after that driver’s insurance for payment. 

Contact Revolutionary Insurance Group in Corpus Christi, TX if you want to discuss your auto insurance needs. We can see you in the office or give us a call. 

The Advantages of Flood Insurance for Businesses

Flood insurance may not seem like the kind of thing that your business needs. However, we at Revolutionary Insurance Group know differently. Here’s how this type of policy can protect your Corpus Christi, TX company when the flood starts flowing through your company’s halls.

Protect Your Records 

You probably have many financial records (including tax information) that you don’t want to lose during a flood. As a result, it is important to get flood insurance to help. This policy can help you by replacing all of your records or paying for duplication fees before the flood hits. They don’t pay for these costs before, mind you, but may help after.

Minimize Cloud Storage Problems 

Many companies have cloud storage elements in their basement or banks of computer components that they don’t want to get damaged. Unfortunately, water during a flood can easily cause severe damage to these elements and trigger a variety of problems. Flood insurance may help to pay to replace these elements and keep your business strong.

Keep You Financially Secure 

Lastly, flood insurance helps your company by minimizing the impact that a flood can have on your finances. For example, it can pay for all flood-related repairs, cover your business losses (including missing customers due to the flood), and even pay your wages for your employees. This kind of protection will give you the help you need to stay secure.

Don’t Neglect Help

Are you struggling to find flood insurance that makes sense for your needs? Let us at Revolutionary Insurance Group give you the help that you need. Our team works with Corpus Christi, TX, residents every day to provide the high-quality policies needed to minimize concerns.

Do I Need Auto Insurance in Corpus Christi?

Driving in Texas is the most popular way to get around, therefore making the roads packed with drivers at any given time of day. If you’re a resident of Corpus Christi, TX, you’ve likely experienced the daily occurrences of traffic and how it requires you to schedule your day around it. 

Texas drivers should select an auto insurance company that has their best interests and safety at heart and knows the laws inside and out. Revolutionary Insurance Group would be happy to provide that for you. 

While there is a minimum liability coverage required for all drivers in Texas, we recommend investing in a full coverage insurance plan to cover your bases in the event of an accident, whether you’re at fault or not. 

Because of the highly congested freeways and highways in Texas, it’s really a no-brainer to purchase auto insurance for yourself and any other drivers in your household. You can be the safest driver on the road and still get hit by a careless driver with no insurance. If you don’t have the coverage in your plan for this scenario, the out-of-pocket costs could be devastating for you. 

Texas has so many wonderful sites and activities to offer its residents, and the infrastructure allows everyone to get anywhere they want to go. While you’re on the road, you can be a defensive driver or a careless one — accidents happen either way. Do your due diligence and invest in an insurance plan that will protect you and your vehicle on the road. One step further, protect the other drivers on the road as well.  

Revolutionary Insurance Group serves the residents of Corpus Christi, TX and surrounding areas with high-quality insurance plans. Contact us today for a quote. 

What Every Homeowner Should Know About Home Insurance

If you are a new homeowner in Corpus Christi, TX, home insurance can appear as complicated. But this shouldn’t be the case when you have an insurance partner like Revolutionary Insurance Group Corpus. We offer advice on home insurance coverages, when to update your policy, and so on.

But before going far, here are the basics that each homeowner should know about home insurance.

It may be mandatory

Yes, no Texas law requires homeowners to purchase home insurance, but if you have bought your home through a mortgage, your lender may insist you purchase home insurance. So, before signing off the loan agreement, be sure you understand the home insurance coverage required by your lender. 

Understand what your home insurance covers

You must understand what your policy covers. Otherwise, how will you know how to boost your home insurance policy? Generally, home insurance covers your dwelling and personal contents. However, you may add other coverages to cover liabilities and loss of use. 

But instead of assuming what your home insurance covers, double-cross with your policy document.

Understand home insurance exclusions

Your home insurance doesn’t protect you against all risks. Typical home insurance excludes damage from perils like floods, earthquakes, pest infestation, intentional damage, and normal wear and tear.

Understanding your home insurance exclusions helps you decide the add-ons to purchase and smoothens the claim process. 

Know the difference between market value and the replacement cost value

Which value do you use to insure your home? Is it the replacement value or market value? The market value is the amount your house would fetch if it were sold today. The replacement value is the estimated amount your house would cost if it were to be reconstructed today. 

In case of a financial loss, the replacement cost is the value that gives you the best chance to return your home to what it used to be with minimal financial intervention.

Home insurance in Corpus Christi, TX

Would you like to learn more about home insurance? Contact Revolutionary Insurance Group Corpus for more information. We will also get you home insurance coverage that protects your home, you, and your family.