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. 

Three Tips to Prepare for a Windstorm

Windstorms in Texas can wreak serious havoc on your home. After a windstorm, Corpus Christi, TX homeowners may need to file an insurance claim for the damage that occurred to their roofs, such as fallen tree limbs puncturing the roof or shingles that blew off. Here at Revolutionary Insurance Group, we have a few preventative tips that you can take to prepare for a windstorm and minimize the damage to your home and pocketbook.

Trim Back the Trees

If you have a tree that hands over the roof of your home, you need to trim the limbs back. There are two main reasons for this. The first is so the limbs don’t scrape against the shingles. The second is so that the limbs don’t break off and puncture the shingles.

It doesn’t take a windstorm for these overextending branches to cause damage. These limbs could drop nuts, leaves, and twigs into your gutters, causing them to clog more often.

Install Storm Shutters

If there are extremely high winds, there is a chance that outside objects could get picked up by the winds and thrown at and potentially through your windows. One way to prevent this from happening is to invest in storm shutters. This is important if you live in a high-risk zone, as they will protect the windows from flying debris.

If you are alerted of a storm with high winds, the storm shutters can be closed in mere minutes. This type of preventative measure can reduce the overall risk of needing to file a claim while also potentially reducing your insurance premiums.

Invest in Windstorm Insurance

Homeowner’s insurance can cover many types of property damage, but when it comes to wind-related damage, you may not be able to recoup all the losses. This is particularly true for Corpus Christi, TX homes, since they are located along the coast. You may need to consider investing in additional coverage in the form of windstorm insurance.

For more information about windstorm insurance and how you can protect your home in the event of a windstorm, contact us at the Revolutionary Insurance Group today. We are happy to sit down with you and discuss your needs.

What Does Texas Classic Car Insurance Cover?

The classic car industry in Texas is not like the standard market. Your classic car has a value that is much different from what you drive every day. When you want to get insurance for your classic car, you need to make sure that you have every coverage you need for this special vehicle.

At Revolutionary Insurance Group, we want Corpus Christi, TX residents to feel protected by their insurance when they are on the road with their special vehicles. Know how much you are covered.

Classic Cars Have Specialized Insurance

Your Texas classic car insurance is not going to be the same as your auto insurance for your everyday use vehicle. You will have property and liability coverages, but there is more to getting the policy than that.

This policy will be different. It is customized to your car’s value which is a collectible value. It will also take into account how much you drive it every year, and any other personal add-ons you want for additional protection.

How to Qualify for Classic Car Insurance

Qualifying for classic car insurance is not the same as qualifying for standard car insurance. Your policy will take into account how much you use the classic car, how it will be stored, and what is involved with your regular auto policy. 

You will also need to be eligible as a driver, and have a good driving record.

Get a Quote

When you are looking for classic car insurance in Texas, you need a provider that knows exactly what you need. At Revolutionary Insurance Group, we want Corpus Christi, TX residents to feel protected on the road with their classic car insurance. Call us for a quote today. 

Why Every Renter Needs Renters’ Insurance

Renters’ insurance is a must if you rent your home. It’s an important type of coverage that can protect you in a number of ways. If you don’t yet have a renters’ policy, give us a call at Revolutionary Insurance Group in Corpus Christi, TX. 

Belongings and Rentals

When you rent your home, you likely have all of your possessions inside it. These are important items that should be insured in case of a disaster or accident that ruins them. If your belongings are destroyed or ruined, your renters’ insurance policy will help you to replace them. It pays out for your ruined items and helps you to get back to your life again. 

Your Liability 

It’s great to have a guest over until they have an accident or an illness related to your home. In these cases, the person renting the property generally has liability for the medical bills that come from that injury or illness. With your renters’ policy, it can cover those medical bills for you so that you won’t have to come up with the money.

Your Rentals’ Livability

If your rental were to be badly damaged in an accident, disaster, or calamity, it would be difficult to be able to move out and live somewhere else while your home is being repaired. But with a renters’ policy, it will pay for you to do just that. It will pay for your moving costs as well as your living expenses while the repairs are being done to your home. This way, you always have a home that is inhabitable to live in. 

Get Your Renters’ Insurance Policy

If you need renters’ insurance, contact us now at Revolutionary Insurance Group in Corpus Christi, TX to talk to an agent about the insurance policy you need. 

Will Your Driving Record Impact Your RV Insurance in Texas?

Yes, your driving record will impact your RV insurance in Texas. When you are looking for RV insurance in Texas, one thing on your mind might be how your driving record impacts your insurance rates. 

It will because the RV insurance for a motor home requires information from your driving record in order to calculate your insurance policy. 

At Revolutionary Insurance Group, we want RV owners in Corpus Christi, TX to feel confident in their RV insurance policy. We can help you to get the best rates for your RV insurance.

What is On Your Driving Record?

Your driving record has a number of items that insurance agencies look at in order to determine your risk as a driver. 

We want to know how long you’ve held a license, and what is on your driving record. We will look at the number of tickets you’ve had, if any, and how serious they are. If you’ve been involved in any at-fault accidents, we will look at that as well.

Why do Driving Records Matter?

All of that will be taken into consideration when determining the rates of your RV insurance. That is because if you are a driver with some risks on your record, your insurance company needs to know that. If you are a higher risk, that does not mean that you won’t be allowed to purchase insurance. It may just mean that your premiums will be higher.

Your insurance company only needs to know what the problems are on your record, and if they are serious or not. A minor violation will stay on your record for 3 years from the date a ticket is paid. A major violation or conviction could be on your record for as long as 10 years.

Get a Quote

When you are looking for RV insurance, don’t let your driving record interfere with how and when you get RV insurance. At Revolutionary Insurance Group, we can help Corpus Christi, TX residents get the best RV insurance rates for their needs. Call us for a quote today.

What every motorcyclist should know about protective gear

There’s no denying that motorcycles are more fun and thrilling to ride than cars. But it’s also true to say that riding a motorcycle is riskier than driving a car. Accidents in Corpus Christi, TX can be pretty expensive as damage costs can quickly skyrocket and leave you broke. It’s even worse if you don’t have proper motorcycle insurance or proper protective gear.  At Revolutionary Insurance Group, we believe that safety is paramount whether you are just two weeks into your new hobby or a veteran rider with over 20 years of experience.  Investing in proper protective gear is the first step towards ensuring that you always arrive at your destination.

Your head is the most commonly injured site of your body

Almost half of all motorcycle accidents involve head injuries followed by foot, face, and arms.  If you are looking to buy a helmet, consider going for a full-face helmet to get the most protection. Helmets play a critical role in protecting your head and brain from the impact of a crash.

Choose the suitable material and fit before taking it home

No matter how hot the weather is, always gear up before leaving. Even if it’s a short trip downtown. Choosing the right outfit goes beyond price. The right protective wear should fit you properly and allow room for leg and arm movement.  The helmet should fit snugly and not move on your head. At the same time it should not be too tight to cause pain.

Choose safety over style

Many riders, particularly new motorcyclists in Corpus Christi, TX, often want to look cool on their new rides. T-shirts, shorts, and sandals are not the proper riding attire. Unfortunately, nature is not always forgiving, and your t-shirt may not save you.

Gear up and boost your safety. Not sure where to buy insurance? Revolutionary Insurance Group today is the right place to be. Feel free to call and book an appointment with us today.

Why Texas Residents Need Boat Insurance While Enjoying Summer Fun

Revolutionary Insurance Group assists the Corpus Christi, TX community, as well as the surrounding areas, and providing good customer service is important to us. We are committed to making sure that our clients find policies that will protect them in every situation.

The Benefits Of Boat Insurance

Texas is known for having extremely humid summers. Thousands of people throughout the state look forward to finding relief through cooling off by the water. If you plan to relax on the bay during the summer in Corpus Christi, TX, consider the benefits of boat insurance. Boat insurance protects your watercraft while you’re out on the water and ensures that you have a safety net if something goes wrong.

The conditions on the water can change at any moment, which is why boat insurance is an asset. If your boat collides with another vessel, the damages are covered. Liability coverage protects you if you are ruled to be at fault, and someone gets injured. Boat insurance also covers your boat if it is vandalized or someone steals it. Keep in mind, though, that you may have to add extra coverage if you have special equipment and furnishings on the boat. Extra coverage will helpfully protect those items.

Because the weather in Texas constantly changes, there is a chance that the tides may turn while you’re out on the water. Boat insurance includes emergency assistance. If a disaster arises and your engine fails, you will receive an urgent towing service.

While researching coverage, be aware that your policy will likely contain a navigational limit that outlines the areas where you can use your boat and maintain full coverage. If you store your boat in a unit during the offseason, you can add coverage to your policy, so you’ll be protected if an accident happens.

Revolutionary Insurance Group Will Help You Protect Your Asset

Visit our website to learn more information about boat insurance.

Why Texas Business Owners Should Consider Adding Commercial Umbrella Insurance

Revolutionary Insurance Group offers coverage to the Corpus Christi, TX community. We want to make sure that our clients are fully covered if a disaster arises. We have positive working relationships with over 20 carriers throughout Texas. We are committed to helping you find coverage that suits your individual needs.

Why Commercial Umbrella Insurance Is An Asset

Umbrella insurance is supplemental coverage that protects you in the event of a serious liability dispute. If you face serious litigation, umbrella insurance covers you so that your assets will not be at risk. Once you have reached the limit on your traditional liability coverage, umbrella insurance kicks in.

If you are a Corpus Christi, TX business owner, umbrella insurance is an asset. The policy can help you secure your business’s foundation if you are facing serious charges of negligence. You can amend the coverage to protect your business in a variety of ways. Commercial umbrella insurance can protect your business if a patron suffers a serious injury while visiting your property or if they allege that your products made them ill. If you use vehicles as part of your service, commercial umbrella insurance covers you if one of your vehicles causes damage to someone else’s property.

If you offer consulting services, you may face serious allegations of slander or libel. Commercial umbrella insurance can help you protect your assets as you go through the litigation process. Having commercial umbrella coverage also helps you protect the reputation of your business.

You’ll also have to weigh whether to add insureds to your policy. Insureds are people that you have a business relationship with who may be impacted by allegations of negligence on your behalf. Look over the terms of your commercial umbrella policy carefully.

Revolutionary Insurance Group Can Help You Protect Your Business

Visit our website today to learn more information about umbrella insurance.