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Do I Need Motorcycle Accessory Coverage?

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Do you enjoy riding in style — custom paint, saddlebags, and chrome trim? Adding custom accessories to your motorcycle insurance can make it easier to replace them in case of an accident or other misfortune. At JD Insurance Group in Beaumont, TX, experienced agents can help you tailor your insurance to your riding needs.

What’s Covered?

That depends on your preferences and the policy you choose. Motorcycle accessory coverage can generally safeguard the extras that make your motorcycle unique. For example, have you invested in custom paint? Accessory coverage lets you keep your money in your pocket instead of shelling out for a new paint job when someone sideswipes your bike.

Custom wheels and seats may also be included in your coverage. If someone steals or damages your accessories, you can replace them, maintaining the comfort and look you’re accustomed to. Many motorcyclists customize their saddlebags and windshields. Avoid replacement costs by including these treasured mods in your accessory coverage.

Chrome adds elegance and attitude to your bike. So, it makes sense to protect your chrome add-ons with the right insurance. If you’ve modified the handlebars and other components, include them in your list of covered accessories.

What About Electronics and Riding Apparel?

If you’ve spent thousands of dollars on expensive speakers, you may not like the sound of the repair bill following an accident. Alternatively, you may need coverage for your technically advanced GPS system. Don’t get lost in the expense required to replace it once it’s stolen. Instead, plan ahead and include these features in your coverage.

Custom helmets and riding apparel protect you while you’re cruising down the interstate. Safeguard your investment in the latest riding garb with motorcycle accessory coverage.

The team at JD Insurance Group in Beaumont, TX would love to help you obtain comprehensive motorcycle accessory insurance. Contact us today to schedule an appointment today.

It It Time to Review Your Boat/Watercraft Insurance Policy?

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If you’re in the Beaumont, TX, area and have boat/watercraft insurance, it may be time to review your coverage. JD Insurance Group can help by reviewing your policy and determining whether you need to make any changes or updates. Generally, there are two critical times to review your policy. The first is if you have changes to your situation, and the second is if you’ve had your policy for at least a year. We’re here to help make your review easy and convenient.

When you get insurance for your boat or other watercraft, you may not think much about it. Just get a policy and renew it every time it comes due. But there’s more to properly insuring your boat/watercraft than that. Over time, you may have changes to your circumstances that should be reflected in the policy itself. If you move, for example, or store your boat or watercraft somewhere new, that could require an update, and a review will help catch those kinds of things.

It’s also a good idea to work with your agent to quickly review your policy at least once per year, even if nothing has changed. That’s because we can give you quotes from multiple insurers, and you may find that one of these new policy options is a better fit for your needs. However, you wouldn’t have known about those other options without reviewing your policy with your agent. We want to help you have the best insurance for your needs.

Contact us today at JD Insurance Group if you’re in the Beaumont, TX, area and looking for a review of your boat/watercraft insurance. Whether you just want to make some updates or you’d like to discuss a new policy, we’re here to help.

Choose the Right Home Insurance for Your Needs

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Choosing a home insurance policy that aligns with your specific needs is crucial. If you are based in the Beaumont, TX area, the team at JD Insurance Group is ready to assist. We are committed to providing homeowners with the best coverage options suited to their homes and lifestyles. Whether you want to review and update an existing policy or need a new one, we’re here for you.

Connecting with one of our knowledgeable agents is the first step toward feeling confident about your home insurance option. We can provide you with quotes from several insurers, thus giving you various choices. We’ll also address all of your questions, so you can make an informed decision about your chosen policy or any necessary adjustments. Maintaining a home requires work, but insurance shouldn’t be part of the worry.

It’s advisable to review your insurance policy at least annually and evaluate it whenever significant changes are made to your home. Additionally, you might want to explore more quotes to ascertain whether a shift in policies or insurers would better serve you. Our agents are eager to help you navigate the coverage options for your home, providing guidance that inspires confidence.

Contact us today at JD Insurance Group if you’re in the Beaumont, TX area or surrounding regions, and let’s talk about your home insurance needs. Regardless of where you are in your journey of homeownership, having reliable support by your side is vital.

Do I Still Need Coverage When Restoring a Vehicle That’s Not Driveable?

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If you are like many classic car enthusiasts living in or near Beaumont, TX, you may buy an older vehicle to restore it to its former glory. For a significant portion of the time after the purchase, your car may sit in your garage in an undrivable state during restoration. Do you still need insurance? The answer is yes; JD Insurance Group can help explain why you need coverage to protect your vintage auto.

What a General Classic Car Policy Covers

Classic car restorations can take years to complete. During this time, you cannot drive the vehicle, as it may not have an engine or one or more additional essential parts. Classic car insurance considers that you won’t use your collectible car as your primary means of transportation. Most insurers will require proof that you have another vehicle for daily use. Nevertheless, a general classic car policy is still not enough if you intend to do extensive work for your four-wheeled baby. A general policy will cover you for liability, collision, and the other common elements of an auto policy, but if you run into trouble during storage, you need more

Restoration Coverage is Essential

Also called "Vehicle Under Construction" coverage, this part of a classic car is an add-on to your primary policy. You’ll need to provide proof that you are actively restoring your vehicle and detailed explanations about the work being done. Usually, you can increase the amount of your car’s agreed-upon value while restoring it. Restoration coverage is a temporary add-on, so you can cancel it when you have completed the work.

For more information on how classic car restoration coverage works, contact JD Insurance Group, serving Beaumont, TX. We will gladly design a policy to meet your needs.

Does Renters Insurance Protect Against Natural Disasters and Flooding in Beaumont?

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Even renting a home in Beaumont, Texas, protecting your furniture, personal belongings, and valuables is vital with the right renter’s insurance policy. However, if you’re interested in shielding your property and belongings from potential incidents like floods and natural disasters, you may need additional policies or a separate flood insurance policy based on your specific requirements.

What Renters Insurance Covers in Beaumont, TX

If you’re renting a property in Beaumont, TX, it’s crucial to understand the basics of traditional renters’ insurance. Most renters’ insurance coverage policies offer protection against the following:

  • Liability: Liability insurance is typically included in a renter’s insurance policy to protect against potential injuries that may occur while another individual is on your property.
  • Property Protection: Renter’s insurance policies cover the loss, theft, or damage to items such as furniture, electronics, and valuables.
  • Living Expenses: If you experience significant issues such as a fire or break-in, living expenses, and meals may be covered during the period of any renovations or remodeling.
  • Disasters: Some renters’ insurance policies also cover fire, lighting, and windstorm damage, even with a basic policy.

Those determined to insure their rental property from potential floods may require a separate flood insurance policy or an add-on policy. Flood insurance can be obtained via the National Flood Insurance Program (NFIP) or through specific insurance groups that offer policy add-ons for flood protection.

If you’re seeking renter’s insurance that will protect you against natural disasters and flooding in Beaumont, TX, speaking with a professional insurance specialist from the JD Insurance Group can be helpful. To learn more about renter’s insurance policies and flood insurance add-ons that may be right for you, contact JD Insurance Group today if you are currently located in the Beaumont, TX region.

Seasonal vs. Full-Time Motorhome Insurance: Which is Right for You?

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What kind of insurance do you need for your motorhome? That depends on how you use your motorhome. Here at JD Insurance Group, we will lay out the pros and cons to help you decide what’s best for you in Beaumont, TX.

Seasonal Motorhome Insurance

There are several pros and cons to seasonal motorhome insurance. Knowing how they fall can be helpful.

Pros:

  • Cost savings – usually cheaper because it covers you when you use it
  • Tailored coverage – adjusted based on your usage
  • Flexibility – choose when and where you need coverage

Cons:

  • Limited coverage period – coverage is only applicable when you’re using the motorhome
  • Risk of being uninsured – if something happens outside of coverage, you’re responsible for all damages
  • Storage risks – you might not be covered if theft or other damages happen during storage outside of coverage

Full-Time Motorhome Insurance

Understanding how full-time motorhome insurance works is critical to make an informed choice.

Pros:

  • Comprehensive coverage – year-round protection that includes liability and personal belongings
  • Peace of mind – you’ll know you’re covered regardless of when you use it or where it is
  • Extra benefits – some policies include trip interruption coverage in case of emergency situations

Cons:

  • Higher premiums – this coverage is more expensive than seasonal coverage
  • Overlapping coverage – You might end up paying for coverage you don’t need if you don’t use your RV or store it in a safe place that also has insurance.
  • Potential over-insurance – full-time insurance might be too much coverage, depending on what you need.

Making Your Choice

As you weigh the pros and cons, there are some factors you should think about:

  • How often do you use your motorhome
  • How your motorhome is stored
  • Cost vs. benefit
  • Risk tolerance

If you have questions about the motorhome insurance you need in Beaumont, TX, JD Insurance Group is here to help. Our experts are standing by!

Exploring RV Coverage Options: Protecting Your Mobile Home in Beaumont

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Finding the right RV coverage option can be challenging. That’s why JD Insurance Group is here to help Beaumont, TX residents. There are a wide range of common pitfalls that arise when making a decision, and this guide is here to help. To learn more about the errors that typically occur and how to avoid them, please be sure to read on.

Failure To Consider Activities

While it is great to consult with friends and loved ones about the policies they have obtained, it is possible that all parties involved will be utilizing their RVs with different activities in mind. When you are meeting with potential brokers, it is important to consider the specific activities that will be taking place. This plays a vital role in the policy you decide upon.

Lack of Proper Storage

Many RV owners only consider the issues that may take place while the RV is in motion. However, those who fail to consider the benefits of proper storage and how this will affect their chosen insurance policy are setting themselves up for long-term difficulties. The storage location you decide upon should be convenient and safe, as many policies will not offer coverage for self-inflicted issues.

No Coverage For Contents of RV

Don’t make the mistake of assuming that RV coverage will cover the vehicle’s contents. The policy will need to encompass the RV itself and the contents within if this is your chosen objective. Assuming that coverage is all-encompassing is an all too common error.

Beaumont, TX residents who have further questions about their potential RV coverage options are urged to contact the good folks at JD Insurance Group. Our team of experts is on hand to answer any questions you may have. Let us point you in the right direction as soon as possible!

Beaumont Bikers Enhancing Protection with Motorcycle Insurance

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Beaumont, TX, is a great place to be a biker. Here at JD Insurance Group, we want you to have the best ride of your life and be able to ride for many years to come without worrying about all the hassle and fuss you must go through to ride on Texas roads.

To Ride, You Must Have Insurance

In Texas, the law clearly states that motorists, including motorcyclists, must have insurance if they want to operate on the road. The basic coverage that they must have is a 30/60/25 policy. This policy represents a minimum that bikers must follow when choosing insurance plans. They must have $30,000 liability for each person, $60,000 per accident, and $25,000 for property damages. Many riders will opt to have higher coverage to give themselves more protection in the case of an accident, but it is not required.

Types of Insurance Riders Can Choose

You can consider many insurance areas when choosing an insurance plan. Each plan will have different levels of coverage as well as coverage types. Some main insurance areas to look out for include:

  • Liability: the heart of most insurance plans, including liability for property or bodily injury
  • Medical payment coverage: designed for medical expenses that occur for a driver and passengers during an accident
  • Underinsured insurance: assists drivers when another person involved in the accident does not have insurance
  • Collision coverage: a type that assists with damages resulting from collision
  • Comprehensive coverage: coverage that covers all accidents outside of collisions, such as natural disasters or vandalism
  • Personal injury protection: gives drivers coverage for bulls, medical expenses, and other financial damages that result from an accident.

Keep on Riding

For those in Beaumont, TX, JD Insurance Group wants to help bikers get the protection they need and keep riding. If you want to keep riding, reach out to our insurance agency, and we’ll be happy to help you get the right level of coverage to protect you and your motorcycle.

What kind of boat insurance is required by Texas state law?

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Boat insurance is similar to auto insurance. It covers your watercraft and provides liability coverage if you damage someone else’s boat or property or injure someone else while operating your boat. However, boat insurance requirements often vary from state to state. Our team at JD Insurance Group is committed to helping boat owners in Beaumont, TX, understand boat insurance. 

What is boat insurance?

Boat insurance is like any other insurance. It provides coverage for damage your boat may sustain in an accident as well as liability coverage for other people’s properties and injuries you may cause. Your boat insurance pays for the repairs to your boat or its replacement if the circumstances of the damage are covered events. Boaters may be required to carry boat insurance, even if it’s not required in a particular state. Only Utah and Arkansas require boat owners to carry insurance. However, boat insurance may be required if you have a boat loan or want to use certain marinas.

What kind of boat insurance is required by Texas state law?

Boat owners aren’t required to carry boat insurance in Texas. However, if you have a loan, your lender will require you to carry boat insurance. You may also need boat insurance for your watercraft to use certain recreational venues as well. Even though Texas law doesn’t require boat owners to carry insurance, boat insurance has obvious benefits. You benefit from liability coverage, which will pay for repairing or replacing your boat if it’s damaged. If you have questions about boat insurance and its benefits, call us. We’d be happy to help you explore your options. 

Home Insurance and Your Mortgage: Meeting Mortgage Expectations

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Are you thinking about buying a home? Perhaps you already have a home loan but want to lower your home insurance costs. One area you may want to consider is your home insurance.

In virtually every situation, it will be critical for you to maintain proper home insurance to meet your mortgage lender’s requirements. At JD Insurance Group, we help clients in and around Beaumont, TX, to ensure they have the right type and level of insurance to meet their needs and to keep them up to date on what their mortgage lender requires.

Why Your Mortgage Lender Requires Home Insurance

Home insurance is a type of safety and protection tool. If your home were to catch on fire or suffer serious damage from a covered event, the insurance policy could provide financial compensation to help rebuild or repair your home – depending on what happened and how. That’s important to your lender.

Your lender has put a significant amount of money into the home for you. Home insurance helps to protect that asset from risks like fires. That is why most mortgage loan contracts require the property owner to maintain enough insurance to cover at least the amount owed on the loan.

Often, that’s not enough to meet your needs, though. You may want to increase the amount of home insurance you have to cover the cost of rebuilding your home if a serious incident were to occur. Doing so helps to safeguard your property and your investment in it.

Let Our Team Help You

If it is time for a home insurance update, the independent contractors and team at JD Insurance Group can help you. We work with property owners in Beaumont, TX, and the surrounding areas to get the insurance coverage their lenders need and enough to protect their investments as well.