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Advantages of an Umbrella Insurance Policy for Parents

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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

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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

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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?

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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

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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

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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

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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.

3 Areas Covered by Renters Insurance

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Are you a renter in Beaumont, TX? Have you heard about renter’s insurance? Unfortunately, most tenants don’t purchase renters insurance because they think the landlord’s insurance policy covers them. While your landlord has insurance, it only covers their property and not your belongings.
Still not convinced that you need renter’s insurance? Consider the following areas covered by renter’s insurance from JD Insurance Group.

Liability protection

Assume you cause property damage to other renters. How will you pay the damage? If the damage is significant, you might be unable to cover it from your pocket. However, with renter’s insurance, third-party claims are your insurer’s headache.

Similarly, a renter’s insurance plan covers you when accused of bodily injury. For instance, if a guest sustains an injury while on your premises, renter’s insurance covers the medical costs, including legal costs if sued.

Additional living expenses coverage

What would happen if a covered peril destroys your dwelling? You would have to seek temporal shelter as your apartment or condo undergoes repairs. Luckily, if you have renter’s insurance, you don’t have to worry about additional living expenses like hotel food and accommodation as it’s your insurer’s headache.

Assets protection

Renters insurance protects your assets like laptops, furniture, and clothing from perils like theft, fire, and so on. Besides, renters insurance protects your assets even when outside your dwelling. For instance, if someone breaks into your car while shopping and steals your laptop, renters insurance compensates you for the loss.

With renter’s insurance, you can have peace of mind, knowing that the assets you have worked so hard to accumulate are well-protected.

Buy renters insurance in Beaumont, TX

Would you like to buy renter’s insurance in Beaumont, TX? Would you mind looking no further than JD Insurance Group? We offer personalized renter’s insurance to meet different insurance needs.

Do you need full-timer insurance for your motorhome?

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Your insurance needs to change when you transition from using your RV motorhome as a vacation vehicle to living in it full time. If the latter describes your situation, you need full-timer RV insurance for your RV. Let’s consider how full-timer insurance differs from standard RV insurance.

At JD Insurance Group, we want you to understand what provides you with the coverage you need to park your RV in Beaumont, TX, and enjoy the Texas lifestyle. You may have driven to Texas from another state and your insurance came from that state. You need to replace that insurance with Texas insurance since you plan to live in this state.

If you moved to Texas with regular RV insurance, that is the insurance you would use similar to automotive insurance that protects you while driving, you need to switch to a full-time policy. This does cost more than the other type of RV insurance, but in order to rent a pad site at most RV parks, you must show proof of insurance. When you try to lease a parking space for more than a specified, vacation-length period, they will ask to see your full-timers insurance.

So, what does full-time RV insurance cover? It treats your RV like the home on wheels it has become. You will obtain coverage for your property inside the RV, coverage for updates to the mechanical and interior you might make, and comprehensive coverage that covers everything from theft to damage from tree limbs falling on it. Essentially, your get full-coverage auto-like coverage plus a homeowner’s policy-like coverage squished into an RV policy.

Contact JD Insurance Group serving Beaumont, TX today to learn more about the insurance coverage you need to keep your rolling home safe. Welcome to Texas; we hope you enjoy making your home here.

How RV Insurance Works

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Recreational vehicles can be a lot of fun to travel in. Because they combine a home with a vehicle, they need a unique type of insurance just for them. To get your RV covered with RV insurance, call us now at JD Insurance Group in Beaumont, TX.

Classes of Recreational Vehicles

There are three classes of RVs, and each of these needs its own insurance policy that is made for that class. Class A includes vehicles that can be as long as 75 feet. These are generally motor coaches, luxury coaches, and converted buses. Class B includes the smallest of the RVs. This kind doesn’t feature a cab-over. It can be a cargo van, camper van, a travel trailer, or other smaller vehicles. Class C is for RVs that are made with a regular cargo van with a camper section that has the over-cab extension. It includes fifth-wheel RVs.Make sure that you get the policy that is meant for your class of RV.

Insurance Factors

As with auto insurance, RV insurance is partially based on how much you use it. If you live inside your RV full time, that comes with the need for extra coverage for it. How often you use your RV is also a factor. These factors together with the class of RV, its age and its make will determine much of the cost of your RV coverage. 

RV Insurance Options

Like auto insurance, there are different types of coverage you can choose as well as coverage that is mandated by the state. IN RVs, getting collision and/or comprehensive insurance is a great option to add in order to pay for damage to your vehicle. You can also choose to have other parts of it insured, such as the possessions that you keep on board, certain equipment inside and accessories like satellite dishes. 

Get Your RV Coverage

If you have an RV, don’t ever leave it uninsured. Make sure that you get the right policy for your vehicle by calling us at JD Insurance Group in Beaumon,t TX.