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How to Protect Your Motorcycle in Beaumont, TX

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Your motorcycle is like the modern version of the Lone Ranger’s horse. It is your friend, your ride, and your companion, right? Why not return the love it shows to you by protecting it with insurance from JD Insurance Group. Covering the Beaumont, TX area, they have insurance that will cover every need you have for your motorcycle or another recreational vehicle.

Why Get Motorcycle Insurance

First of all, the rules for motorcycle insurance in Texas are the same as for cars and trucks:

  • $30,000 liability insurance for each injured person
  • $25,000 for property damage (per incident)

This basic coverage is usually denoted as "30/60/25."

So at a minimum, you need to have motorcycle insurance to cover the above mandates.

Other Coverage

Beyond that, consider how much your motorcycle would cost to replace if you had to pay out of pocket. You may also want to consider increasing the amount of coverage to include collision insurance, comprehensive, and other additional add-ons.

You never know what’s around the next curve, so it’s wise to contact an agent at JD Insurance Group to make sure you have the coverage you need in a worst-case scenario, as well as coverage for other aspects of protecting your property.

No one likes to think about a motorcycle accident. They are often severe and life-threatening. But regardless of the situation, you will ride happier knowing you have the protection you need.

Visit with the professionals at JD Insurance Group for all of your insurance needs, including your motorcycle coverage. Don’t get caught in Texas without proper coverage, which can also cost you court fines and other fees. 

Your friend takes good care of you on the road. Return the love by making sure it’s protected, too.

Contact JD Insurance Group for more information.

Why would I need boat insurance in Texas?

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The entire Beaumont, TX area continues to be well known for its hot summer months and access to local lakes and other waterways. Due to this, it can be a great place to be a boat owner. Anyone that would like to purchase a boat in this part of the state needs to ensure they get the right insurance coverage. A boat insurance plan will be needed for a few reasons. 

Insurance Protects Boat

The main reason that boat owners in this part of Texas will want to have insurance for it is so they can protect their assets. If you buy a boat, you will want to know that you can repair or replace it when necessary. Those that get a boat insurance plan will have the resources needed to repair or replace the boat if it is stolen or there is an accident to it.

Insurance is Often Required

A lot of boat owners will also find that they have specific boat insurance requirements that need to be met. Depending on your situation, you may be required to carry boat insurance to comply with your lender’s requirements if you have a boat loan. Also, it is common for local marinas to require all users to carry boat insurance as it will give protection to both the marinas and other owners that use it. 

Shopping for the right boat insurance plan in the Beaumont, TX area is a big decision. If you are shopping for coverage here, it would be wise to call the JD Insurance Group. The team with the JD Insurance Group understands the value that comes with this coverage. They can offer any support you need to build a plan that will protect your boat and offer you peace of mind. 

Top reasons to consider an Umbrella Policy

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So many residents in the Beaumont, TX area end up paying large amounts out of pocket for failing to understand the importance of an umbrella insurance policy. The agents at JD Insurance Group have put together some of the top reasons to consider purchasing an umbrella policy. 

You are a homeowner who enjoys entertaining guests. 

If you love to open your home up to friends and family members for parties, it is also important to know you invite an increased risk of potential lawsuits. If a guest is at your home and is injured, there is a chance that they could sue you for damages in amounts above the limit of your homeowners’ policy.

Your home has a pool. 

Similar to entertaining, having a pool at your home leads to a higher liability risk when it comes to lawsuits. A neighbors child could wander into your yard, and if they were to drown, you would likely be sued for liability in amounts way above your primary limit. Even if you do not have a pool, you should consider umbrella coverage if you have other high-risk recreational equipment such as a trampoline. 

You are a dog owner. 

Insurance claims as a result of a dog bite can become a massive liability quickly. Many homeowners’ policies exclude coverage for dog bites. If you have a dog, an umbrella policy will protect you if your dog bites a third party. 

You utilize social media.

Most homeowners’ policies do not cover when someone sues you for libel. If you use social media to review business regularly, you should consider an umbrella policy. If a business sues you, for example, over a bad online review, your umbrella coverage will provide protection. 

If you live in the Beaumont, TX area and would like to learn more about umbrella coverage, reach out to an agent at JD Insurance Group today.

4 Facts About Auto Insurance

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Most people who buy auto insurance don’t understand what they are purchasing. Regrettably, it’s only after accidents that they realize they aren’t covered against certain perils. They say that information is power. And the truth, this notion isn’t an exception to insurance. To that end, here are facts that every Beaumont, TX driver should know even as they purchase auto insurance from JD Insurance Group. 

Auto insurance is mandatory in Texas.

Yes, you know this, but we will say it nevertheless. Just like most states, auto insurance is mandatory in Texas. The state requires you to carry minimum bodily injury and property damage liability coverages. Failure to have auto insurance, you risk fines and penalties that include license suspension.

Understand the difference between commercial and personal auto insurance

Most people assume that private auto insurance applies when they use a personal vehicle for commercial purposes. Doing this exposes you to unpaid damage costs if your car gets into an accident while carrying out business duties. 

State-required minimum insurance is never enough.

Yes, it’s vital to comply with the state-required auto insurance minimums, but this doesn’t protect you and your vehicle maximally. Mandatory insurance protects other persons but not you and your vehicle. As a result, consider other auto insurance options for all-round protection. 

Make sure you have personal injury protection (PIP) coverage

Given the country’s escalating healthcare costs, it’s a no-brainer to ensure that your health is covered. When involved in an accident, you and your passengers could face substantial medical bills for accident-related injuries. Without health insurance, medical costs could hurt your finances significantly.

Furthermore, PIP coverage extends to cover partial loss of income and funeral expenses for you and your passengers following an accident. Indeed, this is a cover that every driver can’t afford to drive without.

Auto insurance in Texas

Are you renewing or shopping for new auto insurance? Don’t worry. Instead, contact JD Insurance Group in Beaumont, TX for proper auto insurance coverage.

Why Flood Insurance Is An Asset

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JD Insurance Group provides coverage to the Beaumont, TX community, as well as the surrounding areas. We recognize that each of our clients has different needs based on their individual situations. We work with our clients to help them find the right policy for their needs. Offering good customer service is very important to us. We proudly serve the community as an independent insurance agency.

Why Flood Insurance Is An Asset

Texas is a state where severe weather happens frequently. Hurricanes and tornadoes cause substantial damage. Large areas of flooding are often left in the aftermath. As a Beaumont, TX resident, it’s important that you research flood insurance. As tropical storms invade the area, you’ll have an extra layer of security if something happens to your property.

Flood insurance covers your property and personal items if they are damaged due to severe flooding. The policy provides an extra layer of protection in contrast to your homeowners or condo insurance policy. As you start to research coverage, think about your property’s flood risk and the number of valuable possessions on your property. If you have many luxurious, valuable items such as furs or paintings, flood insurance will protect you if those items are damaged. Take inventory of your personal items so that you’ll be aware of their true value. You’ll also have to add extra coverage to protect your outdoor property, such as decks, patios, and fences, if they are damaged by heavy flooding. While you are researching coverage, contact the National Flood Insurance Program for any recommendations in the area.

JD Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.  

What type of life insurance is right for me?

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When you are in the Beaumont, TX area, it continues to be very important to have proper personal insurance in place. An important form of insurance to get his life insurance. When you are looking for this important coverage, there are many types of life insurance to consider. 

Term Life Coverage

An ideal form of life insurance for a lot of people is term life insurance. When you get a term life policy, you will receive coverage for a certain period of time, which will range up to 25 years or more. You can also build a policy that offers coverage based on your needs and the future expenses that your dependents can incur. Term life is also typically more affordable than other options, which makes it ideal for many people.

Whole Life Coverage

Another form of coverage that you should consider is whole life insurance. When you get whole life coverage, you can have protection for the rest of your life as long as you keep making payments. While a whole life policy is usually more expensive, more of your monthly payments will go into an account that you can liquidate in the future. For many, whole life is a good conservative investment alternative as well. 

Anyone who wants to get life insurance coverage in Beaumont, TX should call the JD Insurance Group. Picking a life insurance plan is a crucial decision and also quite complicated. When you call the JD Insurance Group, you can learn a lot about your different options. We can then help you build an ideal policy for your situation and give life insurance coverage that will provide you with the comfort that your dependents will be cared for. 

How much home insurance do you need in Beaumont, TX?

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Your home in Beaumont, TX is a peaceful dwelling place. After a hard day of work, you return to your residence to reconnect with family and get a bit of rejuvenation for the next day. The agents at JD Insurance Group can help you craft a home insurance plan that protects your sacred dwelling place. 

What does home insurance cover?

Home insurance pays for everything from structural damage to items inside of the home. You can purchase a policy that covers your garage door when a family member backs into the structure. You can also buy a home insurance plan that pays for a stove damaged by a leaking pipe that bursts in the middle of the night. 

The amount of home insurance protection you have depends on how much you are willing to pay in monthly premiums. Those who are willing to pay more in monthly payments may find they have more protection when they need it the most. Meanwhile, homeowners who choose a discounted plan may have to pay for incidents out of their personal finances. 

How much home insurance should you buy?

It would be best to determine how much home insurance to purchase based on your lifestyle preferences and personal possessions. You may want to consider having more indemnity coverage if you have antique items in your home. 

It may also be beneficial to have an excellent home insurance plan if you have a home worth millions or live in an area prone to flooding. Beaumont, TX is known to experience hurricane threats and heavy storms throughout the year. 

The JD Insurance Group agents can help you find a home insurance policy that best suits your lifestyle. Call us today to get started with a quote for coverage