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Renter’s Maintenance Responsibilities

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Many people choose to rent because they like the fact that most maintenance responsibilities fall on the landlord. This can be an excellent arrangement for people who do not have the time or resources to perform maintenance on a property. However, you should be aware that a rental lease will usually outline some maintenance responsibilities that do fall on the tenant. At Rasor Insurance, serving Celina, TX, and the surrounding areas, we want to help renters understand their responsibilities better. Keep reading to learn about common renter’s maintenance responsibilities. 

Cleaning and Decluttering 

One of the most common responsibilities you will have for rental property will be the responsibility to clean and declutter the property regularly. You might not think of this as a maintenance task, but it is. When a property is not kept clean, it can lead to pest infestations and other problems. When clutter is allowed to accumulate, it can also cause pest infestations and fire and health risks. 

Damaged Windows

A rental lease may also require that you replace any damaged windows during your stay in the home. This is a reasonable request, especially if you are the one who damages the window. 

Damaged Faucets and Lighting 

Another item you might be required to replace would be damaged faucets or lighting that you damage while living in the home. Most landlords do not want to spend extra money repairing things that you damaged. Be sure to take good care of the property to minimize damage in the first place. If damage does happen, be sure to replace the items quickly. 

If you would like to learn about renter’s insurance, please get in touch with us at Rasor Insurance, serving Celina, TX, and the surrounding areas. 

Who Needs RV Insurance?

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If you plan on taking a road trip during the summer months, you have probably considered buying or renting an RV. For people who don’t know, RV stands for recreational vehicle. If you go that route, there are certain steps that you need to take before you hop into the RV and drive. One of these steps is getting insurance for your recreational vehicle.

What is RV insurance?

RV insurance is insurance protection for a recreational vehicle or RV. A few different types of coverage are available, including property damage and bodily injury liability coverage, personal property coverage, comprehensive and collision coverage, and uninsured or underinsured motorist coverage.

Who needs RV insurance?

You should probably get RV insurance if you have an RV or plan to own or rent one soon. Most states in the United States require drivers to have a minimum amount of liability coverage. How much you need to reach the minimum amount depends on the state you are in.

On top of the required liability insurance, Texas also requires uninsured or underinsured motorist coverage.

Even if insurance weren’t required, it would still be a good idea to have RV insurance. If an accident happens and you don’t have insurance, you could be responsible for thousands of dollars worth of damage with no way to pay it all off. 

Here’s how this would work. Let’s say you caused an accident in your RV. The other driver would file a liability claim on your insurance policy. Your insurance would pay for the damage and injuries to the other party. If you don’t have enough insurance coverage to cover it, the other party could sue for the damage and medical costs.

Contact Rasor Insurance

To get a quote for your RV insurance, call us at Rasor Insurance in Celina, TX.

Five Benefits of Choosing The Right Motorcycle Insurance in Texas

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When you own a motorcycle, you understand the importance of protecting your investment with motorcycle insurance. However, not all insurance policies will meet your needs. 

At Rasor Insurance in Celina, TX, we understand the unique needs of motorcycle owners and offer various insurance options to meet those needs.

Benefits of Choosing the Right Motorcycle Insurance Policy

  1. Financial Protection: Motorcycle accidents can be expensive, and the right insurance policy can provide financial protection in the event of an accident. With the right coverage, you can avoid paying out of pocket for damages, medical bills, and legal fees.
  2. Peace of Mind: Knowing you have adequate insurance coverage for your motorcycle can provide peace of mind. You can ride with confidence, knowing that you are protected in the event of an accident.
  3. Customized Coverage: Motorcycle insurance policies can be customized to fit your specific needs. At Rasor Insurance, we work with you to find the right coverage options that fit your budget and provide the protection you need.
  4. Legal Requirements: In Texas, motorcycle insurance is a legal requirement. Choosing the right insurance policy ensures that you comply with state laws.
  5. Access to Expert Advice: When you choose Rasor Insurance, you can access expert advice from our knowledgeable agents. Seasoned insurance agents can help you navigate the complex world of motorcycle insurance and ensure you have the right coverage for your needs.

Texas Motorcycle Insurance

Choosing the right motorcycle insurance policy can provide financial protection and access to expert advice. At Rasor Insurance in Celina, TX, we are committed to providing affordable motorcycle insurance options. Contact us today to get a quote for motorcycle insurance in Texas. 

What Celina Residents Need To Know About Boating

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Is Celina, TX good for boating?

Celina, TX is an excellent city for boating enthusiasts. Lake Lewisville, Lake Texoma, and Lake Ray Roberts are all an easy drive away. These popular lakes offer a variety of boating opportunities, including kayaking, fishing, leisure, and more. The wide range of activities and ease of access all make Celina a boater’s dream come true. 

How can Celina, TX residents protect their boats?

Boat ownership is a significant investment, and protecting it from damage and theft is essential. Here are some steps that Celina, TX residents can take to safeguard their boats:

  • Store your boat securely: Store your boat in a secure location, either at your home or a marina, to reduce the risk of theft.
  • Invest in locks and alarms: Good quality locks and alarms can deter theft and help protect your boat.
  • Regular maintenance: Regular maintenance is crucial to keep your boat in good working order and prevent potential problems from becoming more significant and expensive to repair.
  • Purchase boat insurance from a reputable firm, like Rasor Insurance, to protect yourself from loss or damage. 

In addition to keeping your boat safe, you should familiarize yourself with local regulations and safety guidelines. Different parks and regions can have various regulations, so checking before you push out onto the water is critical.

Can boat insurance protect Celina, TX residents?

While accidents are preventable, they’re seldom predictable. Enjoying your time on the water is nearly impossible if you’re more worried about loss than having a great time. Ultimately, boat insurance is the best way to protect the investment you’ve made in your boat.

While Texas homeowners’ policies may cover your boat, they are limited and may not offer the best protection. Rasor Insurance agents serving Celina, TX understand local laws and regulations. We’re ready to help you navigate your options and make the best choice to protect your boat. Contact us today to learn more. 

What is business interruption insurance?

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When you visit Rasor Insurance to purchase commercial insurance for your Celina, TX business, you will find many opportunities to customize your policy. One option we recommend to every business, business interruption coverage, protects your business from financial loss in various situations.

Business Interruption Defined

Any naturally occurring event that causes your business to cease functioning for a period of time qualifies as a business interruption. Examples of this include wildfires, tornados, earthquakes, etc. A fire at your place of business also qualifies. Although not a natural hazard, if your boiler breaks down and you had it listed under potential risks covered by business interruption coverage, it covers that, too. Some policies cover shut down by civil authorities. Most policies no longer cover pandemics. Ask your insurance agent specifically what the policy you intend to buy covers.

How Business Interruption Coverage Helps

Business interruption coverage pays you for the business income lost during the event. You must show specific lost income using accepted accounting methods. If the event occurred but did not cause a loss of business income for your company, you cannot file a successful claim.
By adding this coverage to your commercial package, you will also obtain operating expenses payments, funds for loan payments, payroll, taxes, and to pay rent on a second location so that you can re-open.

Buying Business Interruption Coverage

You can only purchase this type of coverage as a part of a larger policy. We offer this coverage as an add-on rider.

Contact Rasor Insurance in Celina, TX for more information on business interruption coverage. Let us help you protect your business from loss.

How can a commercial insurance plan help me?

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Anyone looking to start their own company will want to consider doing so in Celina, TX. This is a growing community that offers a lot of benefits to small business owners. When you build a company here, you will have various choices along the way. One crucial choice will come when you build an insurance plan. A commercial insurance plan offers multiple forms of support that can help you and your business. 

Liability Risk Mitigation

One of the ways that a commercial insurance plan can help your Celina business is by mitigating your liability risks. There are always risks that come with running a business. If you are found liable for damages incurred by a customer or other party, you will be responsible for restitution. Your commercial insurance plan will provide support in these situations. 

Protect Business Assets

Business owners must also ensure that their company assets are covered and protected. When you have commercial insurance, it can be used to cover all assets owned by your organization. The proper insurance in place helps to ensure you can repair or replace these assets if they are stolen, damaged, or incur another type of loss. This can help to minimize disruption and allow you to avoid significant setbacks. 

If you are going to be a business owner in the Celina, TX area, you always want to be assured that you are adequately insured. One of the best ways to insure your company is by getting a commercial insurance plan through Rasor Insurance. Many choices need to be made when you are looking for coverage, and Rasor Insurance will offer any guidance you need to build a policy that adequately covers your business. 

Can I get auto insurance if I don’t own a car?

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Many people think that you need to own a car in order to get auto insurance. However, that is not the case! In Celina, TX, Rasor Insurance offers Non-Owner Car Insurance policies This type of policy is for people who do not own a vehicle but still need insurance coverage.

So, why would someone need this type of policy?

There are actually a few reasons. Maybe you use a car for work or frequently rent cars when traveling. Or, perhaps you only drive occasionally and prefer not to own a car outright. Whatever the reason, Non-Owner Car Insurance can provide the coverage you need without breaking the bank.

A Non-Owner Car Insurance policy will typically include liability coverage, which is required by law in Texas. Liability coverage will protect you financially if you are involved in an accident, and it is determined that you are at fault. Your policy may also include collision and comprehensive coverage, although the law does not require this.

Collision coverage will pay to repair the car you are driving if it is damaged in an accident, regardless of who is at fault. Comprehensive coverage will protect the car from damage caused by factors other than an accident, such as theft, fire, or weather damage.

If you don’t own a car but still need auto insurance, a Non-Owner Car Insurance policy may be right for you! This type of policy typically includes liability coverage, which is required by law in Celina, TX. Your policy may also include collision and comprehensive coverage, although the law does not require this. If you have any questions, contact Rasor Insurance. We are here to help!

Three Key Points About Umbrella Insurance

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Umbrella insurance is a type of coverage that offers additional protection beyond the limits of your standard insurance policies. Umbrella insurance provides additional liability coverage for accidental injury, property damage, and legal defense costs.

1. Eligibility Matters

To be eligible for umbrella insurance coverage, you typically need at least one underlying policy. This can include policies such as auto, home, or business insurance.

For example, at Rasor Insurance in Celina, TX, available policies include the following:

  • Auto
  • Home
  • Commercial
  • Farm & Ranch
  • Life
  • Flood
  • Boat/Watercraft
  • Motor Home
  • Motorcycle
  • Renters
  • RV

2. Protects You from Large Financial Losses

If you’re unsure about purchasing umbrella insurance, it’s critical to consider the benefits. One of the primary benefits of umbrella insurance is that it can help protect you from significant financial losses.

For example, suppose you are legally responsible for injuring someone in a car accident. In that case, your umbrella insurance coverage can protect against any damages that exceed the limits of your standard auto policy.

3. Offers Comprehensive Coverage

Not only does umbrella insurance provide liability coverage, but it can also cover certain expenses that are not covered by your standard policies. This includes legal defense and damages from false arrest or malicious prosecution.

Whether you’re a business owner or an individual homeowner, it’s worth speaking with your insurance provider to learn more about umbrella coverage and whether it makes sense for you.

The Bottom Line

At Rasor Insurance in Celina, TX, we offer comprehensive coverage that helps protect individuals and businesses from significant financial losses. With our experienced team of insurance experts, you can feel confident knowing you’re protected against the unexpected.

Contact us today to learn more about our umbrella insurance options and other available policies.

Things home insurance won’t cover

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Reading your home insurance policy is vital to your financial security. If you are under the impression that your home insurance covers everything that can go wrong, you will be disappointed if you have a claim. It could be an excluded hazard. At Rasor Insurance in Celina, TX, we have been an independent insurance agency for 20 years, allowing us to offer more choices. No matter what your insurance needs are, we will be able to help. 

Flooding

Warmer temperatures have led to changes in weather patterns and rising seawater. This increases the risk of flooding all over the country. Texas is not an exception. Unfortunately, surface water is not covered by a traditional home insurance policy. You have coverage for a busted pipe that floods your home but not water coming in from outside. The good news is that you can have coverage for flooding through the National Flood Insurance Program (NFIP). You need to buy additional policies. 

Owner Neglect

Part of your responsibility as a homeowner is to maintain your home. You can’t put off vital repairs. If you delay replacing an aging roof and you get damage to the interior of your home, your insurance will likely deny your claim. If you get carpenter ants or termites, your home insurance won’t cover it since you should be getting treatment if you can reasonably expect that you may have an infestation. 

Earth movement

It isn’t a good thing if the earth moves under your feet. It also won’t be covered by traditional home insurance. That includes not only earthquakes but sinkholes, mudslides, and landslides. You can get coverage for these things, but you must purchase a separate policy. 

Contact Rasor Insurance in Celina, TX for all your home insurance needs. 

What You Need to Know Before Buying Farm or Ranch Insurance

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Farm and ranch insurance is a specialized type of property insurance that has become increasingly popular in recent years. The Rasor Insurance Agency, located in Celina, TX, is one of the state’s farm and ranch insurance providers. Before buying farm or ranch insurance, there are a few key things to know.

Covers Farm Equipment and Livestock

This includes tractors, plows, harvesters, and other machinery you use on your farm or ranch. It also covers any animals on your property, such as cattle, horses, pigs, and chickens.

Protects Against Liability

You could be held liable if someone is injured on your property or if you damage someone else’s property. Farm and ranch insurance can help to protect you financially in these situations. It can also cover any legal fees that you may incur.

Great for Full-time or Part-time Farmers

Whether you are a full-time farmer or someone with just a few acres of land, farm and ranch insurance can be a good option. It can help to protect your investment and give you peace of mind. Being a farmer comes with the inherent risk of property damage and liability, natural disasters, and more.

Many Different Coverage Options Available

There are a variety of different coverage options available when it comes to farm and ranch insurance. You can choose the coverage that best fits your needs. Some possibilities include property damage, liability, business interruption, crop insurance, and more.

Protect Your Farm Buildings

Your farm buildings, such as your barn, shed, or garage, is also covered under farm and ranch insurance. This can help to protect your investment in your property.

When you’re ready to purchase farm or ranch insurance, contact the Rasor Insurance Agency in Celina, TX. We can help you to find the right policy for your needs. Give us a call today.