Tag: Christian Insurance Agency

Owning a condo comes with lots of perks. You can kiss exterior home maintenance goodbye and, in many cases, enjoy extras like a community swimming pool and gym. At Christian Insurance Agency, serving the Magnolia, TX region, we will make sure that your condo insurance is the perfect fit for your life and for your particular condo. 

Condo insurance offers coverage similar to that provided by home insurance. However, with a condo, you are not responsible for insuring the exterior of your unit and the common areas. The condo association has coverage that insures the roof and exterior walls as well as liability coverage for the common areas. 

Why Condo Insurance?

Property coverage

The property coverage of a condo begins where the condo association coverage ends. It covers the interior walls and permanent interior fixtures. These are things like kitchen cabinets, light fixtures, bathrooms, large appliances, etc. 

Content coverage

Content coverage protects your furniture, personal property, electronics, decor, and more. Like home insurance, you have the option of choosing how this is covered, at replacement cost or actual value, which is what it is worth today with depreciation figured in. This coverage has limits on certain categories. 

Liability coverage

Liability protects you when legal action is taken against you by someone who is injured while visiting your condo or by a member of your family. 

Loss of use

Bad things happen, and when your unit is attached to another unit, you can be the victim of a hazard that happens nearby as well as one in your own unit. If your condo is so damaged that you can’t live in it, loss of use coverage will pay for a place for you to stay while your condo is being repaired. 

Reach Out To Us

Give our office a call at Christian Insurance Agency in Magnolia, TX when you need information about condo insurance. 

If you are a fan of cars, you probably know how expensive classic and antique cars are. Therefore, if you own one, you want to make sure that it is well protected. That is why you need classic car insurance that provides special coverage for your valuable and expensive vehicle. However, before you purchase any policy, there are some things you should know. No worries, Christian Insurance Agency in Magnolia, TX is here to assist. 

What Should You Know About Classic Car Insurance?

Here are the things you should take into consideration:

• The age and value of your car matter. In order to qualify for classic car insurance, your vehicle must meet certain criteria. It has to be about 25 years old, in decent condition, and should not be driven more than 7,500 miles per year. 
• There are several types of cars that qualify for classic car insurance. They are classic cars (cars that have a higher value than cars of other makes and models), replicas (representation vehicles that are 25 years and older), and modified cars (vehicles that were altered due to changes in their engine, body, and other parts).
• There are three types of classic car insurance to choose from.  These types are liability auto insurance, collision and comprehensive insurance, and uninsured motorist coverage. 

Get The Right Coverage For Your Needs

Do you have a classic car and you want to protect it against various unexpected events? Classic car insurance is what you need. If you are looking for insurance in the greater Magnolia, TX region, make sure to contact Christian Insurance Agency. We are experts in different types of insurance, including classic car insurance as well. Feel free to contact us to ask any questions or to get more information about the policies available. 

Your motorhome is a great way to move around the country. In a motorhome, you have the freedom of a car combined with the ability to stretch out and move around a tiny home. Since a motorhome is a motor vehicle, most insurance companies are willing to issue policies on them, which makes them convenient for an insurance policy. You can insure your motorhome with a policy from Christian Insurance Agency, serving Magnolia, TX.

There are some crucial differences between a motorhome and a car that makes it important to have specialized insurance.

Motorhomes have living spaces and amenities like a kitchen and a bathroom. A motorhome is a type of recreational vehicle, called a “Class A” RV. Class A RVs are larger and more luxurious than other types of RVs. Some motorhome owners sell their houses and become “full-timers,” especially older ones.

Full-Timers Insurance

As the name of this insurance suggests, this is insurance for people who live in their motorhomes. Full-Timers’ insurance is a good option for people who live in their motorhomes because it combines the functions of auto- and homeowners’ insurance, giving you full protection either if your motorhome is robbed or if it crashes.

Campsite-Liability Insurance

Campsite liability insurance is the other side of this: It acts as car insurance most of the time when you’re traveling in your motorhome, only adding the additional coverage of belongings when you’re at camping sites. Like full-timers’ insurance, it includes medical expense provisions that more closely resemble those of homeowner’s coverage than of auto coverage.

RV Emergency Expense Coverage

Some RV insurers also offer additional coverage for emergency expenses incurred while operating an RV. Our professional insurance advisors at Christian Insurance Agency serving Magnolia, TX can help you explore your needs for RV or motorhome insurance.

We Are Here To Help

Our team of insurance experts at Christian Insurance Agency can provide coverage for your Magnolia, TX motorhome and best meet your needs. Give us a call today!

Owning an RV can be a great idea for those that are in the Magnolia, TX area. When you do own an RV, it will give you a convenient and safe way to get around the state and enjoy all that it has to offer. When you are looking to purchase an RV, it is important that you get insurance for it.

There are various situations when someone needs to have this coverage:

Those with a Loan

A situation when someone is going to need to have insurance for their RV will come when they take out a loan. An RV can be a very expensive asset to purchase. Due to this, taking out a loan is common when purchasing one of these vehicles. If you have a loan outstanding, you will always need to have insurance for it. Most lenders will require you to have a full comprehensive plan. 

Those that Drive

You also need to have this insurance if you intend to drive your RV. If you want to drive any type of vehicle in Texas, you will be obligated to carry liability coverage. This insurance is important as it ensures you can pay for damages that may be caused during a collision. If you are not covered by liability insurance, you will be in violation of the law and could be penalized. 

Contact Us Today

If you are looking to purchase an RV in the Magnolia, TX area, it would be a good idea to get insurance for it as well. A great group to call when looking for coverage is the Christian Insurance Agency. Our team of insurance experts at the Christian Insurance Agency understands the value of this coverage. We can provide the support necessary to build your next insurance plan. 

When they say "Don’t mess with Texas," that also means don’t mess with Texas license and insurance laws. Motorcycles are still considered motorized vehicles and are subject to state regulations. Ignoring these regulations can result in unwanted fines and penalties. Christian Insurance Agency serves Magnolia, TX and understands motorcycle insurance laws in the state of Texas.

Who needs motorcycle insurance?

Any bike with a motorized engine will typically need motorcycle insurance. This means standard motorcycles and trikes as well as moped and bike-style motorized bicycles will be subject to Texas insurance requirements. The only bike-style autos that are exempt from these requirements are mini-bikes, dirt bikes, or other ATVs that are not allowed on public roads. So, if you travel on public streets, you need at least public liability insurance in Texas and a license and registration just like a car or truck.

What kind of coverage do I need for my motorcycle?

Texas motorcycle laws require you to have minimum liability coverage, which protects both persons and property involved in an accident. This is often referred to as 30/60/25 coverage. The numbers refer to $30,000 in insurance coverage per person, $60,000 per accident, and $25,000 in property. These amounts represent the minimum required coverage by the state, but anyone who’s paid a hospital bill recently knows that injuries can exceed these amounts. You may also want more comprehensive coverage on your own motorcycle, not just on damages incurred by your accident damage on others. 

Get Coverage For Your Motorcycle Today

Christian Insurance Agency in Magnolia, TX is here to help you get the motorcycle insurance coverage you need. Call us today or reach out online for your motorcycle insurance quote.

Boating is a great hobby and a relaxing activity for many people. But there are also many risks involved. Before you set out on the water, keep these tips in mind, courtesy of Christian Insurance Agency in Magnolia, TX.

Tips for Safe Boating

Know how to swim

It probably goes without saying that everyone going on a boat should know how to swim. Even so, the water can be rough and challenge even the best of swimmers.

Have proper safety equipment

That brings us to the next important point. There should be enough life jackets and life preservers on your boat for everyone on the boat. Invest in the proper equipment. You won’t regret it. You will have peace of mind in knowing that you are prepared.

Watch the weather

Everyone who goes out in boats should keep a close eye on weather forecasts. Do not risk going boating if it looks like storms are in the forecast. And if unexpected storms develop while you are out boating, come back to the shore or marina – the origination point of your boating excursion – immediately.

Drive safely

Just as you should drive safely and follow traffic laws while driving a car, you should also drive your boat safely. If you need more skills, definitely look into taking a boating class. Skills are just as valuable as equipment.

Know first aid

You should at least know the basics of first aid when you are out boating. It is an excellent idea to take classes in first aid and water safety. The more knowledge, the better.

Get Boat Insurance

For more information about boating and boating insurance, contact Christian Insurance Agency in Magnolia, TX today.

Umbrella insurance is a type of supplemental insurance that can provide extra coverage in the event that you are sued for more than the limits of your homeowners or automobile policy. It can be a great way to protect yourself from an unexpected lawsuit, but there are some things you should consider before purchasing umbrella insurance.

Here are some of the most important factors to remember when deciding whether umbrella insurance is right for you:

1. How Much Coverage Do You Need?

The first thing you’ll need to consider when deciding whether or not to purchase umbrella insurance is how much coverage you actually need. Umbrella insurance policies typically provide an additional $500,000-$50 million in coverage beyond the limits of your policy. If you feel like you need more than the coverage provided by your standard policy, umbrella insurance from a reputable agency such as Christian Insurance Agency in Magnolia, TX may be a good option for you.

2. How Much Does It Cost?

Another important factor to consider when deciding whether or not to purchase umbrella insurance is the cost. Umbrella insurance policies typically range in price from $200-$500 per year, depending on the amount of coverage you purchase. If you feel you need the extra coverage provided by an umbrella policy, compare rates from different insurers to find the best price.

3. What Are Your Assets?

Finally, you’ll need to consider your assets when deciding whether or not to purchase umbrella insurance. If you have a lot of assets, such as a home, investments, or savings, you may want to consider purchasing umbrella insurance to protect yourself in the event that you are sued. On the other hand, if you don’t have many assets, you may not need to purchase umbrella insurance.

Contact Us Today

When deciding whether or not to purchase umbrella insurance, ultimately, it’s up to the individual. However, Christian Insurance Agency in Magnolia, TX is always here to help you make the best decision for your needs. Give us a call today.

Flooding is one of the most common natural disasters in the United States. Over 20% of all flood claims come from people who do not have flood insurance. When buying a home, it’s important to know if flood insurance is required in your area. Christian Insurance Agency in Magnolia, TX can help you navigate this important insurance coverage.

Here we discuss whether you need flood insurance so you can make an informed decision about whether or not to purchase coverage.

Are You In a Flood Risk Area?

The first thing you need to determine is whether or not your home is located in a flood-risk area. If it’s, you’ll most likely be required to have flood insurance by your lender. You can check the National Flood Insurance Program’s (NFIP) website to see if your address is in a Special Flood Hazard Area (SFHA).

Magnolia TX, for instance, is a flood risk area and residents need to have flood insurance from a reputable company like Christian Insurance Agency. If you’re not sure whether your home is located in an SFHA, you can also check with your local Christian insurance agency. They’ll be able to tell you if your area is considered high risk for flooding.

What Does Flood Insurance Cover?

Flood insurance will protect your home and belongings from damage caused by flooding. It’ll also cover the cost of repairing or rebuilding your home if it’s damaged by a flood.

There are two types of flood insurance, building property insurance and contents insurance. Building property insurance covers the structure of your home, while contents insurance covers your personal belongings. Most people who purchase flood insurance will buy both types of coverage to protect their homes and belongings from damage caused by flooding.

Contact Us Today

If you’re thinking about purchasing flood insurance, it’s important to understand what is and is not covered by your policy. You can speak to a Christian Insurance Agency representative in Magnolia, TX to get a better understanding of what is and is not covered by your policy. We can also help you determine how much coverage you need to protect your home and belongings from flooding.

When you own a condo, it’s extremely important to have a condo insurance policy for it. Your lender will most likely require your condo to be covered by insurance, and your condo board will as well. Even without these requirements, it’s smart to have your condo covered. Each condo insurance policy includes a number of different types of coverage. When you need condo insurance, give us a call today at Christian Insurance Agency in Magnolia, TX.

Protection For Your Condo

When you have this insurance, it covers the condo itself. The policy will be written to protect the exact parts of the condo that you own. The outer walls and common areas are insured by the condo board, so you don’t have to insure those areas. Your condo ownership may exist to the inside of the outer walls, or it may include the area inside those outer walls. If it includes the inside of those walls, you are responsible for insuring the plumbing and wiring there as well. When a damaging event happens to your condo, the policy will pay for the repairs that are needed. 

Item Protection

The items inside your home are also covered by your condo policy. This insurance covers all of your belongings against a wide range of events that can happen and destroy them. This coverage can pay for you to replace your items so that you don’t have to start all over again. 

Liability Protection

Condo insurance also protects you against liability. When a third party comes into your condo and gets injured there in an accident, the policy can pay for the expenses that result. This includes medical bills, other expenses, and their lost wages. 

Get Coverage For Your Condo

When you have a condo, you need to protect it. Contact us at Christian Insurance Agency in Magnolia, TX.

Texas doesn’t require you to have auto insurance. It requires that you prove that you have the funds to pay for any injuries or damage that you might cause in an accident. Most people find the easiest way to prove their financial liability by buying auto insurance. At Christian Insurance Agency in Magnolia, TX, we are here to help you make sure that you are in compliance with the law and understand what basic auto insurance covers and what it doesn’t cover. 

If you decide to go the insurance route, Texas liability requires that you have 30/60/25 coverage. This is $30,000 for bodily damage for one person hurt in a vehicle accident with the total for all injuries of $60,000. $25,000 is allowed for property damage. This may seem like an okay amount, but considering the cost of a hospital stay, it could be too little to protect your assets. 

If you have an auto loan or are leasing your vehicle, you will be required to protect the vehicle. This requires that you carry collision and comprehensive insurance. If you have a new vehicle, you may also need gap insurance to ensure that you will get enough from an insurance payment for a totaled vehicle to pay off your loan. 

If you use your car for your daily life activities,  you can’t be without it. If you can repair or replace your vehicle without insurance, you don’t need it, but that would be a hardship for most people. You are protected from collisions with other vehicles and objects with collision coverage. It covers theft and lots of other damage that results from things other than a collision with comprehensive coverage. 

Contact Christian Insurance Agency in Magnolia, TX for all your auto insurance needs.