What could happen if I do not have motorcycle insurance in Texas?

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If you live in the Beaumont, TX area, it will always be optimal to have access to a vehicle. If you are looking for a fun and efficient way to get around the community, purchasing a motorcycle can be a good idea. If you have a motorcycle, it is very important that you have insurance for it. If you do not have motorcycle coverage, a number of negative situations could arise. 

No Ability to Repair or Replace Motorcycle

One of the negative situations that could arise if you do not have a motorcycle plan is that you will not have the ability to repair or replace the asset. If your motorcycle is stolen or involved in a collision, a comprehensive insurance plan will provide the support you need to replace or repair it. If you are not insured, you will not have this important coverage. 

Out of Compliance

If you are not properly insured with a motorcycle plan, you can also find that you will be out of compliance with your requirements. Most people that own a motorcycle will take out a loan to finance it. In these situations, the lender will require you to carry motorcycle insurance until the loan is paid off. Further, state law requires you to carry liability insurance on any type of vehicle you operate. Without this coverage, you could face penalization. 

JD Insurance Group is here to help!

If you are a motorcycle owner in the Beaumont, TX area, it is very helpful when you have the proper insurance. As you are looking for a new plan, you can call us at the JD Insurance Group. Our professionals know the value of this type of coverage and can help ensure you have the support you need to build a new plan. 

Types of Boat/Watercraft Coverages

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Boat insurance protects your vessel, everyone aboard, and in case of injury to other parties, from insurable risks. Waterbodies that are contributory routeways for different watercraft vessels hold a lot of impending danger. It is critical that you ensure your boating undertakings with the right insurance coverage.

Types of Boat/Watercraft Coverages

Although boat/watercraft insurance is not compulsory in Beaumont, TX, it’s important to consider the different boat policies available to you to mitigate your vessel and yourself from underlying risks.

Uninsured boater insurance: 

Boating accidents are not common, but once in a while, you may accidentally engage in collisions with other boats which are not insured or insufficiently covered. Acquiring this coverage pays for medical expenses accrued after a collision with other boaters who is not sufficiently insured or aren’t protected after an accident.

Collision coverage: 

Have you ever thought about what can happen if your boat get destroyed after a boat accident in the waterways? Fortunately, at JD Insurance Group, we provide this type of insurance that caters to replacing or repairing your boat after collision with another boater or a stationary object like a rock offshoot. 

Towing insurance: 

This form of coverage comes in to settle towing expenses of your boat after an engine failure, or you ran out of gas, among other misfortunes. 

Comprehensive coverage: 

This policy replaces or repairs your vessel after getting damaged by non-collision occurrences like fire or hail.

Medical Payments Coverage: 

It pays for necessary and reasonable medical expenses that you and those onboard get after a boat accident.

Contact Us Today

Are you a boat/watercraft owner in Beaumont, TX looking for boat insurance? Please call or visit our agents at JD Insurance Group and get more details about this vital coverage.

Will Home Insurance Cover Vacation Homes or Only Primary Residential Homes?

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Buying a vacation home is something that many people dream of. If you are making this dream a reality, one of the questions that you may have is whether a home insurance policy will cover vacation homes or if a home insurance policy only covers your primary residential home. If it only covers your primary residential home, then you may wonder what type of insurance you need for a vacation home.

Our team of insurance experts at JD Insurance Group, serving the greater Beaumont, TX area, is here to assist with all your queries. 

Will Home Insurance Cover Vacation Homes or Only Primary Residential Homes?

Home insurance will not cover your vacation home. Home insurance can only be used to cover your primary residential home. If you are planning on using your second home as a vacation home only for yourself and your family, you will need vacation home insurance. If you plan on renting the vacation home out, you may need landlord insurance or even commercial insurance, depending on how you plan on renting it.

If you plan on renting the home out for periods of six months or longer to the same tenant, you need landlord insurance. If you are using your vacation home as a short-term rental or vacation rental, you likely need commercial or business insurance, since the property would then be considered a business asset. 

Contact Us Today

Having the right insurance on your primary residential home and your secondary vacation homes or investment properties is extremely important. Here at JD Insurance Group, serving the greater Beaumont, TX area, we can help homeowners find the home insurance policies that are best suited for their homes. Reach out to us today to learn more. 

Why do you need to have classic car insurance for your classic car?

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Those living in the Beaumont, TX area will want to know that they are properly covered with insurance. This should extend to properly insuring all of your vehicles with the right type of insurance. If you are a classic car owner, this will likely mean getting a classic car insurance policy.

There are various reasons to obtain this type of coverage here:

Ensure Value is Protected

A primary reason for you to get a classic car insurance plan is to ensure your vehicle is properly protected. If you are going to purchase a classic car, you will likely want its value of it to increase in the future. If you have a full classic car insurance policy, it can be built to provide coverage up to the full collectible value of your car. This value can be negotiated with the insurance company prior to the start of a policy. 

Receive Liability Support

It is also a good idea to have classic car insurance to ensure you have liability insurance. No matter what type of car you drive, there is a chance that you could cause an accident. If you are insured with a classic car insurance plan, it will offer the insurance needed to offset this concern as it will include a provision for liability coverage. Further, this will ensure you are in compliance with Texas state law that requires that coverage. 

Get The Right Coverage Today

It will always be a good idea to have a classic car insurance plan in place if you own such a vehicle in Beaumont, TX. If you would like to invest in this type of vehicle here, starting with the JD Insurance Group is a good option. The JD Insurance Group offers any support needed to build your next plan. 

Renters insurance FAQs

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In the United States, 35% of households are rentals. While homeowners are the largest proportion, that still means millions of people rent. The sad fact is, 40% of them don’t have renters insurance. At JD Insurance Group in Beaumont, TX we would like to make sure that our customers who are renters have all the information they need to make the right decision about whether it is something they need.

Why do I need renters insurance?

You probably own a lot more than you realize. When something happens to damage your rental, if you don’t have renters insurance you will need to replace everything that you own. No, your landlord does not have insurance that covers your property. Try to imagine trying to replace all your clothes, your furniture, your electronics, and all the rest of your things. It’s a lot and would be hard to do all at once on your own without insurance. 

What coverage does renters insurance provide?

In addition to content coverage, renters insurance offers liability coverage and loss of use coverage. Liability insurance protects you if someone is injured while visiting your rental or by a member of your family. A judgment against you could wipe out your savings and even put you in debt. Loss of use coverage means that if your rental is not habitable, your renters insurance will pay for a place for you to stay and also provide some meals. This can be a great help after the trauma of the loss. 

Does renters insurance cover my stuff if I am away from home?

Yes, if you are traveling, and you lose something, or it gets stolen, your renters insurance will cover it the same as if you were at home. 

Get The Right Coverage For Your Needs

Contact JD Insurance Group in Beaumont, TX if you have questions about renters insurance. 

How Can I Get The Best Coverage For My Motorhome?

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At JD Insurance Group, we understand that your motorhome is more than just a vehicle—it’s your home away from home. That’s why we offer comprehensive coverage that will protect your motorhome, no matter where the open road takes you.

Here are some tips on how to get the best coverage for your motorhome so that you can enjoy your travels worry-free:

Shop Around for the Best Rate

The first tip is to shop around for the best rate. There are a lot of insurance companies out there that offer motorhome insurance, so it’s crucial to compare rates and coverage options before you decide on a policy. At JD Insurance Group in Beaumont, TX, we offer competitive rates and customizable coverage options so that you can get the protection you need at a price that fits your budget.

Choose an Insurance Company with a Good Reputation

The second tip is to choose an insurance company with a good reputation. You want to ensure that you’re working with a company with a history of paying claims promptly and efficiently. JD Insurance Group has been in business for over 50 years, and in that time, we’ve built a solid reputation for providing excellent customer service and claims support. When you work with us, you can rest assured knowing that you’re in good hands.

Get Everything in Writing

The third tip is to get everything in writing. Before you purchase a policy, ensure that you understand the coverage options and limits so that there are no surprises down the road. Our team at JD Insurance Group will be happy to answer any questions you have about our policies so that you can make an informed decision about your coverage.

Contact Us Today

We hope these tips help you get the best coverage for your motorhome. If you have any further questions or would like a quote, please don’t hesitate to contact us at JD Insurance Group or come to our office in Beaumont, TX. 

What should my RV insurance include?

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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?

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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?

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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

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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.