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.

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.

What Does Flood Insurance Not Cover?

You already trust our team at Revolutionary Insurance Group in Corpus Christi, TX for all of your personal line coverage needs. But did you know that we also offer flood insurance?

This handy policy helps protect your residence in the event of a serious flood, which occasionally happens this close to the coast. However, it doesn’t always handle everything, which is why it is so important to know what’s excluded from your policy. Here’s what you need to know about what flood insurance does not cover.

What Flood Insurance Typically Doesn’t Cover

While having flood insurance is great in case of a huge storm or coastal flooding, it is important to remember what your policy typically excludes. The most common items to remember are:

  • Anything damaged by mildew or moisture is not associated with a flood.
  • Damage is caused by the movement of soil or earth movement, such as mudslides.
  • Temporary housing while repairs are being made or loss of use.
  • Personal property outside your main building, such as patio furniture, plants, septic systems, swimming pools, hot tubs, sheds, etc.
  • Paper currency or stock certificates inside your home at the time of a flood.

Of course, this is just a shortlist. It is vital to read your policy documents fully to understand what is and what is not covered by flood insurance.

All Flood Insurance Has the Same Restrictions

It is important to note that all flood insurance is the same in terms of what is covered and not. Policies are written by the National Flood Insurance Program (NFIP) and sold through individual agencies like ours. The limits and coverage are still the same, no matter who you purchased your policy from.

Protecting your Corpus Christi, TX home from unexpected flooding is important. Please get in touch with our team at Revolutionary Insurance Group today to schedule an appointment to discuss your options.

Auto Insurance Requirements in Texas

If you own a vehicle in Corpus Christi, TX, it’s your responsibility to protect yourself and others with auto insurance. In the event of an accident, auto insurance from Revolutionary Insurance Group can save you from having to pay for bodily injuries or property damage out of pocket. Auto insurance is also mandatory for Texas drivers. Here’s what you should know about auto insurance requirements in the Lone Star State.

Types of Coverage

Auto policies in Texas offer the following basic coverage:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Roadside Assist

You can customize your policy by choosing the coverage that best suits your needs.

Required Coverage

Texas requires that all drivers carry minimum liability coverage to protect others in accidents they cause. If you’re at fault for an accident that causes injury or property damage to another driver, you could be held responsible for damages. Liability insurance covers these damages up to the limits of your policy. The more liability coverage you buy, the more protection you have against liability claims or lawsuits that may arise from accidents you cause.

Optional Coverage

Collision, comprehensive and uninsured motorist is an optional coverage that protects your vehicle against damage or total loss. Collision insurance covers damage to your vehicle from collisions. Comprehensive covers vehicle theft and pays for damage caused by non-collision causes like hail, falling objects, or vandalism. Uninsured motorist covers damage to your vehicle caused by uninsured or underinsured drivers. Any of these incidents can cause substantial damage to your vehicle or result in a total loss. With insurance coverage, you have financial support to cover repairs or compensate you for your loss.

Where to Obtain Auto Insurance Coverage

If you live in Corpus Christi, TX or surrounding communities, come to Revolutionary Insurance Group for the auto coverage you need. We’re here to meet all your auto insurance needs.

Must Have Home Insurance Coverage for Texas Homeowners

Texas is a vast and diverse state with so much to offer those who call it home. As a Texas homeowner, you’ll want to do your part to protect your investment from harm. The following must-have home insurance coverage from Revolutionary Insurance Group offers the essential protection you need. Here’s what you can expect from a standard homeowner’s policy.

Home Insurance Options in Corpus Christi, TX

With a standard home insurance policy, you benefit from the following coverage:

  • Dwelling – to protect your home structure from including foundation, roof, walls, etc., against such perils as tornadoes, severe storms, wildfire, lightning strikes, and more.
  • Property – to protect your personal items such as clothing, furniture, appliances, electronics, artwork, and other possessions
  • Liability – to cover liability claims of accidental injuries that may occur on your property

Importance of Home Insurance

Investments as valuable as your home and possessions shouldn’t be left to chance. With home insurance, your property will be protected against unfortunate events that can cost you financial loss. Home insurance offers financial support to repair your home or replace your goods if they’re damaged or destroyed in a major disaster. With natural disasters on the rise, it only makes sense to be prepared for any eventuality. Home insurance from Revolutionary Insurance Group is a practical and affordable means of protecting your property.

Tips for Selecting Coverage

Home coverage isn’t “one size fits all.” You choose the scope and type of coverage you want to meet your particular needs. When selecting coverage, consider the value of your home and possessions and the risks you face for financial loss. By customizing your home insurance, you’ll get the most from your policy.

To learn more about home insurance or purchase a policy for your Corpus Christi, TX home, call or visit Revolutionary Insurance Group.  

What Windstorm Insurance Actually Covers

Windstorm insurance is often also called hurricane buydown insurance, and it’s a vital part of living along the coast where windstorms can occur. Many people think their standard home insurance policy will cover this kind of weather event, but that’s not the case. This is separate insurance that a mortgage company will require, and homes without a mortgage should still have the insurance so they can stay protected from damage if a windstorm strikes their area. At Revolutionary Insurance Group, we want all of our customers in the Corpus Christi, TX area to have the right kind of insurance to keep their homes safe from harm.

Insurance for windstorms covers the damage that the wind from a storm like a hurricane can actually do to a house or other structure. It’s different from other types of damage that can happen and be covered on a homeowners policy. A windstorm is a unique event, and the kind of harm it can cause to a home is unique, as well. Thus, it’s crucial to ensure that you have the right type and level of coverage to have peace and mind, and protection. Since the Texas coast can be prone to windstorms, houses have to pass inspection before getting this kind of insurance.

Anyone in the Corpus Christi, TX area can reach out to us at Revolutionary Insurance Group today and let us find the right policy for their needs. Windstorm insurance is an important part of living in a part of the country where these storms can occur. You’ll not only have peace of mind when you have this type of insurance, but you’ll also know that your home or other dwellings will have the proper level of protection it needs for the future, as well.

Protect Your Classic Car With the Right Insurance Policy

If you have a classic vehicle, one of the things you want to make sure of is that it’s properly protected in case of harm or loss. The best way to do that is to have the right classic car insurance. For anyone in the Corpus Christi, TX area, Revolutionary Insurance Group can help with the right kind of car insurance for their needs. Don’t hesitate to focus on insuring your classic vehicle in a way that gives you not just proper protection but peace of mind, as well. You don’t have to settle for anything less than that when you come to us for the coverage you’re looking for.

A classic car can bring a lot of joy, but they also take a lot of work to restore and maintain. Since you’re putting that type of work into the car, making sure it has adequate protection makes sense. A standard vehicle insurance policy isn’t going to provide the type of coverage you’re looking for because these types of policies don’t cover classic vehicles. Getting parts and finding people to work on these kinds of cars isn’t typically addressed in standard insurance policies. However, with the right classic car coverage, you can still be fully protected and secure.

If you’re in the Corpus Christi, TX area, and you need classic car insurance, the Revolutionary Insurance Group can help. We’re here to make sure you have the protection and coverage you’re looking for. If you’re not quite sure what you need, our dedicated and knowledgeable agents can help you by focusing on the most important aspects of the policy and then expanding it from there to address the options you’re looking for. That helps to ensure that you’re getting the most comprehensive level of coverage for your classic vehicle so that you can have great peace of mind, as well.

What does renters insurance cover

As a renter, you may think that you don’t need to have renters insurance. You may mistakenly assume that your landlord has a policy that covers you. He or she doesn’t. What they do have is a policy to cover the building that they own. Your possessions are not included in that insurance. Losing everything that you own is not something anyone wants to think about, but it can and does happen all too frequently. At Revolutionary Insurance Group in Corpus Christi, TX, we have more than 15 years of experience giving our customers world-class service. 

Renters insurance offers some of the same coverage that home insurance provides, excluding the parts of the building that belong to the landlord. 

Liability coverage

Liability insurance offers valuable protection. It covers you from the results of an injury to someone who is visiting your rental. It will cover medical expenses, and if you are sued, it will pay a judgment up to the level of your policy.  

Personal possessions

If a fire or a tornado destroyed your rental, how would you replace all of your possessions?  You may think that you don’t own very much, which could be true, but it is more likely that you own a lot more than you realize. Without insurance, you would be on your own. 

Loss of use

In the event of a covered hazard, your dwelling may be uninhabitable. If you have renters insurance, loss of use coverage will provide a roof over your head in the immediate aftermath. Then a rental if it is going to be a few months until things are repaired. 

Having renter’s insurance is a valuable protection against some of the bad things in life. At Revolutionary Insurance Group in Corpus Christi, TX, we are here to help you to find the right rental policy. Give us a call to make an appointment or stop by if you are in the neighborhood. 

 

3 essential RV insurance coverages to consider when going for a vacation

Most of us associate an RV with vacations. It is the perfect addition for any tour enthusiasts in Corpus Christi, TX, where there are many destinations to visit. However, RV ownership comes with critical financial responsibility. That is why the Revolutionary Insurance Group recommends buying RV insurance to give you the peace of mind you need when out there. So, which coverages are the most essential for a vacationer?

Vacation liability

Your RV insurance comes with liability coverage that reimburses a third party for injuries or property damage in case you cause an accident. However, when going for a vacation, you need more comprehensive liability coverage to cover airline tickets, park tickets, or cruise if a trip is canceled due to weather or natural disaster. Vacation liability also covers injuries and property damage if accidents happen where you are camping.

Roadside assistance

Another critical coverage for any roadside enthusiast is the roadside assistance. The last thing you want is to get stuck at night in the middle of a remote location. If you own a trailer, your tow vehicle should have roadside assistance. Roadside assistance is a critical coverage that offers towing services in case your RV has a mechanical problem or if you get stuck in the snow or mud.

Personal effects coverage

Your home on wheels carries your belongings everywhere you go. Your typical RV insurance may not be adequate to cover all your possessions, and that’s why you need a personal effects coverage to replace the items in case they are stolen or damaged during your vacation.

Now that you have an idea of what coverages to buy when going for a vacation, you can take your trip a step further and enjoy what nature has to provide outside Corpus Christi, TX with the peace of mind that you have enough coverage and are abiding by the rules. Let Revolutionary Insurance Group help you have a dream vacation. Contact us today.

Things To Consider When Choosing Motorcycle Insurance

Nothing beats owning and riding a motorcycle. However, it is important to remember that its ownership also comes with responsibilities and expenses. One of them is having proper motorcycle insurance, the purposes of which to protect you, as a motorcycle owner, the vehicle itself, and other people on the road. Choosing motorcycle insurance may be a challenging task, especially if you have never done it before. In order to help you make the right choice, Revolutionary Insurance Group serving Corpus Christi, TX has prepared the list of things you should consider when choosing this type of insurance:

  • A standard auto insurance policy does not cover a motorcycle. It is excellent if you already have car insurance. However, it is not relevant to your motorcycle.
  • The state of Texas requires all motorcycle owners to have proper motorcycle insurance. Driving without insurance in Texas can be steep – at least a couple of hundred dollars in fine. Moreover, when you ride without adequate insurance, you should understand that your motorcycle can be impounded. 
  • A standard motorcycle insurance policy does not cover modified motorcycles. Many motorcycle owners like to modify their bikes. However, it is important to know that such modifications are not covered by insurance.
  • There are ways to minimize the amount of money you spend on motorcycle insurance. One of the easiest ways to get a higher deductible that automatically reduces the premiums. 

If you are a lucky motorcycle owner from Corpus Christi, TX, or any other surrounding town, one of the first things you need to get to protect your precious possession and yourself on the road is motorcycle insurance. Revolutionary Insurance Group is a private insurance agency with years of experience that is ready to help you find a perfect insurance policy based on your needs and budget. Give us a call to talk to one of our experienced agents and find out about the options available.