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RVs allow us to travel in style with our family members, including our pets, but doing so puts our furry friends at risk. So, those with RVs who own pets need to know whether and how their RV insurance covers pets. The Christian Insurance Agency team, serving the Magnolia, TX area, will help you find the RV and other insurance coverage that best suits your needs.

Pet Coverage and RV Insurance

Choosing RV insurance has many dimensions since it combines elements we associate with auto policies and others from home policies. Your options can vary by RV type, the time spent in it, and where you go and park it. RV insurance often covers pet injuries during covered events, such as damage to the RV when it is on the road or parked. Some policies limit their coverage to cats and dogs, and every policy limits the value of claims for pets. A $1,000 limit is typical, though you can increase the amount or add a pet insurance rider to get the necessary package.

RV owners who bring pets on their travels should talk to their agent about the policy’s pet coverage. You can add a rider to your RV policy if it does not cover pets. Others prefer to acquire a separate pet insurance policy unrelated to their RV insurance that covers their pets regardless of where or how they become injured.

The Christian Insurance Agency Difference

You have many choices for RV insurance, so working with an agent you trust is essential. The Christian Insurance Agency team, serving Magnolia, TX, will help ensure you obtain the correct coverage for all your insurance needs. Please stop by or call us today at 440-946-2040 to schedule an appointment.

Thousands of boating and watercraft accidents occur yearly, many of which result in significant damage and injuries. Common causes include adverse weather and water conditions, speeding, failure to observe boating regulations, operating under the influence, and lack of experience. Our team at Christian Insurance Agency, based in Magnolia, TX, outlines the best practices for boating safety below.

Properly Equipping Your Vessel

Having a sufficiently equipped vessel is crucial for your safety. Depending on your boat’s size, you’ll need one or more fire extinguishers. Life jackets are indispensable, along with navigation lights and a horn, whistle, or bell to alert other boaters of your presence. Here are some additional safety devices to consider for emergencies:

• Oars or a paddle for backup navigation.
• A freshwater supply.
• A first-aid kit.
• Spare parts and a toolkit.
• A communication radio.
• Flares and a flashlight.

Checking the Weather Conditions

Before setting sail, check the weather forecast to avoid potential storms or high water conditions. Inspect your boat’s exhaust system for leaks and assess the engine, fuel level, steering, and electrical systems. Always tell someone where you plan to go and how long you expect to be gone.

Other Boat Safety Considerations

If your boat carries a heavy load, distribute the weight evenly and avoid overloading. Stay aware of other boaters, swimmers, and potential debris to prevent collisions. Don’t operate the vessel under the influence of alcohol or drugs. Follow maritime traffic laws and understand boating signals.

Maintaining Adequate Boating Insurance

Boating insurance is pivotal in protecting you from financial losses in case of incidents. Smaller vessels might be covered under your homeowner’s policy, though additional coverage is often recommended. We can guide you through the process at Christian Insurance Agency, Magnolia, TX. Contact us today to learn more.

Liability insurance included in your homeowner’s or auto insurance can shield you when you are at fault in an accident occurring in or near Magnolia, TX. But what happens if you are pursued legally because your liability coverage isn’t sufficient to cover damage awards? You can still protect yourself with an umbrella policy available through the Christian Insurance Agency.

High-Worth Individuals Should Reflect on Umbrella Insurance

High net-worth individuals and public figures should consider an umbrella insurance policy as many victims opt for higher compensation when injured on your property or in a motor vehicle accident. Umbrella insurance handles legal fees and any disbursements up to your policy’s limit. A handy guideline is to insure yourself for your net worth. Even individuals without extensive resources should insure themselves for their net worth, as liability awards can swiftly accumulate. Having an additional umbrella policy will guarantee that a legal case that is decided against you won’t deplete your assets. If your business has umbrella insurance, you should also have a separate personal umbrella policy, as a commercial policy will not cover incidents outside your professional setting.

Situations Covered by Personal Umbrella Insurance

Umbrella insurance gets activated after a lawsuit has drained your initial liability coverage. Frequent situations where umbrella insurance can assist include:

• Your dog bites someone
• You are involved in a severe motor vehicle, boating, or recreational vehicle accident.
• You accidentally injure someone off your property
• You crash your vehicle into a building
• A family member is sued for defamatory comment online

Umbrella insurance is economical and can provide additional protection for you and your family in varying circumstances. Look to the experts at Christian Insurance Agency, serving Magnolia, TX, for additional information when tailor-making your policy.

Typical home insurance doesn’t provide coverage for floods. However, the National Flood Insurance Program (NFIP) is available for homeowners who want to protect their homes against flood damage. This program aims to reduce the impact of floods and assist homeowners in rebuilding after a covered event.

At Christian Insurance Agency, servicing Magnolia, TX, we can assist our customers in finding flood insurance through this program. Here’s what you need to know.

What Is the NFIP? 

NFIP insurance is a separate policy from home insurance meant to cover damage caused by floods. The NFIP operates under FEMA and is administered in partnership with the insurance industry to provide homeowners the option to insure themselves against flood damage.

Who Needs Flood Insurance?

Almost anyone can benefit from having flood insurance, even if their area isn’t high-risk. Disasters happen, and when they do, flood insurance is there.

If you have a mortgage and live in a high-risk area, your mortgage lender may require you to have flood insurance. If you don’t, your mortgage lender may impose it upon you at a higher cost.

You may also be required to have flood insurance if you’ve received federal disaster assistance in the past and want to be eligible for future assistance. 

How Can I Get Flood Insurance?

Christian Insurance Agency, servicing Magnolia, TX, can help you get flood insurance. We aid homeowners and business owners in obtaining the insurance they need and are eager to help you as well. Call us today to speak with one of our knowledgeable experts and learn more about flood insurance. 

Condominiums provide a fantastic living experience but are not devoid of certain risks. As a condo owner, you can face several potential pitfalls, making preparation absolutely essential. One effective way to prepare is by securing a condo insurance policy. Unlike home or renter’s insurance, condo insurance is specifically tailored to condominium owners’ needs. If you need assistance obtaining a condo insurance policy, you can reach out to us at Christian Insurance Agency in Magnolia, TX.

Coverage for the Dwelling

While the interior of your condo belongs to you, you do not own certain parts, such as the exterior walls. A condo insurance policy covers those portions that belong to you, whereas the condominium board generally owns and holds responsibility for the exterior. If property damage is due to a covered event, your condo insurance can cover the repair costs, which would otherwise be prohibitively expensive without insurance.

Protection for Your Things

All your belongings are likely inside your condo, and their protection is paramount. Condo insurance includes coverage for your personal property, allowing for replacements in case of a damaging event. Damage to your belongings can occur due to various incidents, and replacing everything out of pocket can be financially demanding. With condo insurance, you don’t need to worry about sudden property loss constantly.

Liability Protection

Condo insurance also provides liability coverage. Your policy can cover these charges if someone gets injured within your condo, resulting in medical expenses or other costs.

Get Condo Insurance

To secure your condo insurance, contact Christian Insurance Agency in Magnolia, TX.

Classic cars are an amazing hobby and an investment. They need to be adequately protected with the right insurance policies. Here at Christian Insurance Agency, serving Magnolia, TX, and the surrounding areas, we can help classic car owners better understand their insurance needs. 

Do I Need a Special Policy?

Yes. A regular auto policy will not provide appropriate protection if you own a classic car. This is because a classic car isn’t valued in the same way a regular vehicle would be. A lot of time and money has gone into the vehicle’s restoration, and that value must be accounted for in the insurance policy. In addition, classic cars also have special value in the collector’s market, which is different from the value they hold in the regular vehicle market. If you want to protect the car’s full value adequately, you’ll want a specialized classic car policy.

How Will My Vehicle Be Valued?

Since each classic car is unique, each policy must be unique as well. Your vehicle will need to be evaluated and valued individually. An insurance rep with skills and training in this field will evaluate your car and determine a value for it, considering all of the details.

Is Classic Car Insurance Required By Law?

You are only required to carry minimum regular coverage to drive the vehicle on the road legally. However, this minimum amount of insurance isn’t the best choice for a classic car. If you choose minimum coverage, you risk losing a lot of money if the vehicle is damaged.

If you’d like to learn more about classic car insurance, please contact us at Christian Insurance Agency, serving Magnolia, TX, and the surrounding areas.