What should my RV insurance include?

Posted on by admin

Each RV is unique. Not only does it serve a dual purpose as both a home and a vehicle, but there are also countless sizes, furnishings, and amenities. How owners choose to use their RV is also highly personal.

JD Insurance Group believes your RV insurance should be just as special. Our experienced agents can construct a customized policy that’s perfect for your summer travel plans.

While there are many available options and add-ons, here we list four coverages that should be included in every RV insurance policy:

Collision coverage

As basic as it sounds, this coverage shields against any damage that results from a collision. Most vehicle-based policies will include this type of protection, regardless of who is determined to be at fault.

Comprehensive coverage

All other non-collision damage falls under comprehensive coverage. Natural disasters, falling debris, and even theft are likely included. Refer to your specific policy for a list of what’s covered.

Liability

Nearly any insurance policy contains liability. For motorized RVs, this can be especially important. Unlike the previously-listed coverage types, liability isn’t for your vehicle. Liability protects you, reimbursing for expenses related to bodily injury, property damage, or legal expenses that you may have incurred.

Personal Property

Although RV and auto insurance policies are similar, personal property protection is the exception. This is more comparable to homeowners’ or renters’ plans since it applies to the belongings inside your ride.

Contact an agent serving Beaumont, TX

When it comes to RV insurance, JD Insurance Group knows that there is no such thing as "standard." Although the above components should exist in virtually every policy, RV insurance can be customized to meet your needs. Serving the greater Beaumont, TX community, the agency can find a plan that protects your interests. Schedule an appointment today.

How Does Motorcycle Insurance Work?

Posted on by admin

You need to be aware of the kind of coverage that you need and how much it will cost. Basically, there are liability coverage and collision coverage. Liability coverage covers damages that are caused by the motorcycle and damages that are caused by the bike owner during an accident. 

Collision coverage covers damages that are caused by crashes or other accidents due to reasons outside your control. JD Insurance Group in Beaumont, TX is here to offer you expert insurance advice. 

Motorcycle Insurance: What You Need To Know 

To become a rider, you will need to buy the appropriate equipment and purchase a helmet. The insurance company will scrutinize your application and decide if you qualify. If you are approved for the policy and take full advantage of it, you will be better positioned when it comes time to claim your premiums. 

Different websites offer information about various insurance companies. You can talk to people who have purchased motorcycle plans to learn about the prices and terms in your area. Different companies offer different prices for their plans, and this means that some people can pay more than they anticipated. 

The best advice is to get your policy and start using it. You can get the most out of your money and your day-to-day activities with an inexpensive policy. Some policies will cover things such as repair bills, regular maintenance, and vision testing. You will also likely have a car accident insurer in your state or country of residence. 

Call Us Today

Motorcycle insurance is a contract between you and your insurer. Your insurer agrees to pay for losses that you suffer as a result of a covered loss in exchange for your promise to pay premiums. 

A contract can be created in several ways: by a written document, by spoken words, by actions that imply certain terms, and even by the silence which may be interpreted as consent. For questions and help in the greater Beaumont, TX community, visit or call JD Insurance Group.

Boat Insurance: Will It Repair Your Boat If You Bottom Out on a Rock?

Posted on by admin

At JD Insurance Group, we can provide the greater area of Beaumont, TX residents with useful boat insurance that will protect their watercraft. But will this type of coverage protect your boat if you hit a rock when not driving carefully enough? Let’s look at this situation to learn more.

Boat Insurance: What You Need To Know

While your coverage options may vary based on your policy and provider, most boat insurance options cover a few different things. This coverage is designed not only to protect your boat but other people’s property as well. The three principal components of most boat insurance include:

  • Property Coverage for the Boat
  • Liability Insurance for Accidents
  • Medical Payment Coverage

The second two policy types cover injury treatment and property damage repair or replacement that you cause another person and your medical treatments after an accident. The first type is designed to repair or replace your boat after theft or an accident and covers your boat on both land and water. Note: boat insurance also provides uninsured boat owner insurance coverage options.

So, Are You Protected?

Thankfully, your property coverage should repair or replace your boat up to your policy limits and the value of the boat if you hit a rock. You may also add on several other protection types, including mechanical breakdown, towing, boat trailers, fishing gear, boating accessories, dock contract, freezing, and fishing guide coverage to your policy to get an even higher level of overall protection.

Contact Us Today

If you’re concerned about your risk of serious boat damage and want to keep your vehicle safe, talk to us today at JD Insurance Group to learn more. Our team can help Beaumont, TX residents and those in the surrounding areas find the policy options that make the most sense for them.

Advantages of an Umbrella Insurance Policy for Parents

Posted on by admin

As a parent, you want to do everything you can to protect your family. That includes making sure you have the right insurance coverage in case of an accident or other unforeseen event. An umbrella insurance policy can provide that extra layer of protection for your family. Here are some advantages of having an umbrella policy in Beaumont, TX:

Protect Your Assets

An umbrella policy can help protect your assets if you are sued for damages. If the damages exceed your regular insurance coverage, your umbrella policy can help cover the costs. For families with children, it’s common to have a yard full of toys, a trampoline, or even a pool.

These are fun and typical but can also present a liability risk. If someone is injured on your property, you could be held responsible. An umbrella policy can help protect your assets in this case. A representative from JD Insurance Group can help you determine how much coverage you need to protect your family.

Peace of Mind

No one knows when an accident will happen, but you can prepare with the right insurance coverage. An umbrella policy can give you peace of mind, knowing that you have extra protection for your family. It can also be a valuable safeguard for families of teenagers learning to drive in Beaumont, TX.

Teens are more likely to be involved in an accident than adults, and their rates reflect that. If your child is involved in an accident, you want to make sure they are protected. An umbrella policy can help cover the costs of damages and injuries.

These policies are relatively affordable and can provide you with a lot of protection. If you have any questions about umbrella insurance, contact JD Insurance Group. We can help you find the right coverage for your family.

Benefits of Auto Insurance in Beaumont, TX

Posted on by admin

Whether you have a new or old car, it is essential to have car insurance. In Beaumont, TX, auto insurance is required by law if you want to register your vehicle.

Here are some benefits to having car insurance.

Protect Against Liability

If you are in an accident and are determined to be at fault, your car insurance policy may help cover legal expenses. Your policy will also help pay for damage to the other person’s car and their injuries, up to the limits of your policy. Without it, you could be on the hook for tens of thousands of dollars.

Protect Against Accidents

If you are in an accident that is not your fault, your car insurance will help pay to repair your car. It may help if your vehicle is vandalized or damaged in a storm. If you have a loan on your car, your lender will require you to have full coverage insurance, covering accidents, theft, and damage.

Save Money on Car Repairs

If you’re in an accident and need to have your car repaired, your insurance will help pay. This can save you a lot of money, especially if your car is not new. Also, you’ll only have to pay your deductible and not the total cost of repairs.

A JD Insurance Group agent can help you learn more about your options. 

Ensure You Can Get Back on the Road Quickly

After an accident, you may need to have your car towed to a mechanic. The right policy may help pay for the tow and a rental car while your vehicle is being repaired. This can get you back on the road quickly and help you avoid any delays in your daily routine.

Contact JD Insurance Group in Beaumont, TX to find the best car insurance coverage for you. We can help you find a policy that fits your needs.

Protect your Beaumont area home with flood insurance

Posted on by admin

If you are a resident in the Beaumont, TX area, you may be wondering if you should have flood insurance. The team here at JD Insurance Group is ready to help you answer that question and any others that you may have about insurance in general.

How flood insurance can help protect your home

When it comes to flood insurance, many people have many questions! It can be challenging to know if this type of insurance is necessary for you and your home. Even if you know that you need flood insurance, you may wonder about the right amount for your needs.

Your lender or financial institution may often require you to carry a certain amount of flood insurance. However, it is essential to remember that even when it is not required, flood insurance may still be able to protect your home. There are several situations where you will want this type of coverage. Flood planes are marked, but what if your home isn’t directly located within such an area?

When you work with a local agent, you will be able to rely on someone who understands the area. This firsthand knowledge and experience will help you ensure that you have the protection you need in whichever area of Beaumont you live in.

Protect your home today!

JD Insurance Group is here to serve the insurance needs of the entire Beaumont, TX community. If you would like to find out more about the flood insurance policy options available in our area, call or stop by our office today!

What is the value of having life insurance in Texas?

Posted on by admin

For people in the Beaumont, TX area, there are many forms of insurance to consider getting. A great type of coverage to consider investing in here is life insurance. This is a unique type of insurance that can provide various types of support to both the policyholder and the plan beneficiaries. There are various forms of value that make getting this type of insurance a great option. 

Provide Financial Support

A key advantage and value of having a life insurance plan is that you can offer financial support for those that you care about. When you have people that depend on you and your income, you will want to ensure it is fully protected. This can be done with a life insurance plan as it will pay out a benefit to individuals that are named as beneficiaries on your insurance plan. 

Financial Investment Advantages

With a life insurance plan, you will also receive investment benefits in some cases. Those that opt for a whole life insurance plan will enjoy long-term investment benefits that build with each payment you make. As you continue to make premium payments, part of the costs will go into an account that slowly grows in value. You can eventually take money out of this account and use it for any purpose you want. 

There will always be great reasons to have life insurance when you are in the Beaumont, TX area. As you are looking for a new insurance policy in this region, you can learn more about your options by calling the JD Insurance Group. The professionals with the JD Insurance Group offer a lot of support that will help you build a plan that meets your needs and offers the right type of protection and other benefits. 

How to Include Your Possessions in Your Home Insurance Policy

Posted on by admin

When you get home insurance, you may not realize what it includes. It’s important to find out how much coverage you have for your possessions. This way, it won’t come as such a shock when you have damage to your possessions and need to get them repaired or replaced. The experts at JD Insurance Group of the Beaumont, TX area can help you understand what you need for your situation. 

Creating a Home Inventory

Before you get your personal property coverage, you would do well to make a home inventory. Go around with a pad of paper and write down the valuable items for which you’d like coverage. You also might gather receipts and photo or video proof of what you have, depending on what the items are. Be thorough and make sure that you write down the value of the items. 

Not All Providers and Policies Are the Same 

Not every provider is going to offer the same amount and type of coverage. This is why you should talk over the options with the agency you plan on using or already have your home insurance with. Learn about the differences between various property insurance policies they might have. 

Did you know that you can have coverage on your possessions if something happens to them when you’re traveling with these items? That’s right, some policies will cover certain events that occur and cause damage to your possessions or if there’s a theft of something. 

Get Insurance Through a Reputable Provider

JD Insurance Group of Beaumont, TX and beyond will work with you to set up an insurance package that makes you confident. It’s a good idea to ask as many questions as possible. Find out how we can help you with your personal property insurance needs. 

4 Reasons to Update Your Home Insurance

Posted on by admin

Your home insurance is designed to protect you and your valuables when disasters strike. But for your home insurance to give you optimal protection, it needs to be up-to-date. Has it been years since you updated your home insurance? JD Insurance Group in Beaumont, TX advises homeowners to review their insurance every year. However, if the below incidences happen, talk to your insurance agent immediately.

Home improvements

Maintaining your home is an ongoing process. For instance, if you have undertaken significant renovations, you need to inform your insurer. Renovations increase the cost of rebuilding your home, so you need to update this information with your insurance company. This way, you will get full value compensation for your house, including the renovations if damage occurs.

Home-based business

Have you decided to follow the trend by starting a home-based business? All the best!  However, you need to review your home insurance. Home insurance won’t cover business-related liabilities. For instance, home insurance won’t cover medical costs if a customer trips on your wet floor while coming for a business meeting. However, you can purchase commercial insurance or consider a home-based business insurance add-on for well-rounded protection.

Purchase of assets

Have you added more assets to your home? It would help if you informed your insurance agent. This way, you will be compensated for all valuables in your possession should a covered peril strike.

Pets

Welcoming a pet to your home is exciting, but it comes with a fair share of responsibilities. For some pets, especially those that can cause injury, you need to increase the liability insurance coverage should they harm other people.

Learn more about home insurance in Beaumont, TX

Still not sure whether you should update your home insurance? Don’t worry. Please get in touch with JD Insurance Group to speak to one of our agents in detail.

A Detailed Look At Classic Car Insurance

Posted on by admin

JD Insurance Group serves the Beaumont, TX community. We are an independent insurance agency. We are committed to helping our clients find the coverage they need to protect their assets. We work closely with multiple insurance carriers throughout the South. This allows us to offer custom policies that evolve as our client’s needs change.

A Detailed Look At Classic Car Insurance

Beaumont, TX hosts special car shows periodically. People have the unique opportunity to see some classic cars. If you have a classic car, adding insurance allows you to protect your investment. Classic car insurance is similar to a traditional policy in that you are covered if you are involved in a collision. Your classic car is also covered if it’s stolen or damaged. Liability coverage protects you if you are responsible for any damages caused by your vehicle. You can also add extra coverage to your policy, such as emergency roadside assistance. This allows you to receive urgent service if your vehicle suffers a flat tire or engine failure.

Be aware that your vehicle has to meet certain qualifications to be classified as a classic car. Your vehicle should be at least 20 years old. You cannot drive the vehicle on a regular basis. It’s recommended that you only drive the vehicle to special car shows and exhibits. It’s also a good idea to have the vehicle appraised, as that may give you a clear picture of how much coverage you need. Consider adding storage coverage to your policy. You’ll have your classic car parked and stored most of the year. Storage coverage protects your vehicle if an accidental fire or another type of disaster happens while your vehicle is inside the unit.

JD Insurance Group Will Help You Protect Your Investment

Visit our website to learn more information about classic car insurance.