What Kind of RV Insurance Is Necessary in Texas?

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RVs have additional liability when it comes to insurance. Depending on the type of RV, it can be considered a home and will need both homeowners and regular auto insurance. Insurance providers often include both types of insurance in a policy. Trailer and pull along RVs require trailer insurance.

If you own an RV in Texas, the agents at Rasor Insurance in Celina, TX can help you with your RV insurance needs. There are options to choose from depending on the type of RV you own. Some different types of coverage available include:

Different types of RV insurance

There are different types of insurance, like liability insurance, which covers costs when you are responsible for a collision with your RV. There is collision insurance that will compensate you when you sustain damage to your RV regardless of fault. And also, comprehensive insurance covers damage in non-accident related scenarios such as natural disasters. There are also some other types of RV insurance your agent can discuss with you when you get coverage.

Standalone RVs

If you need home-related coverage for standalone motorized RVs, there are some options to choose from. Different types of home RV insurance include contents insurance, which covers belongings inside your RV, including appliances and clothing. There is also full-timer liability insurance, which covers individuals that reside in their RV more than six months out of the year. If you use your RV primarily for vacation, then vacation liability insurance covers shorter durations that you reside in your RV for extended trips.

Give us a call at Rasor Insurance in Celina, TX. We have qualified agents that will be happy to help you out with all your insurance needs.

Beneficial Motorcycle Insurance in Texas

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If there is any place to enjoy riding a motorcycle for a daily commute or long distance, Texas, with consistent days of sun, hot temperatures, and cool breezes, is that perfect state for a ride. However, you cannot just jump behind a motorcycle and go for a rid. There are some detailed requirements to follow. 

Here at Rasor Insurance, we do our best to make sure our clients can get the type of insurance they need. Based in Celina, TX, and founded in 2002, the mission, values, and morals of this business have been nothing less than great to the local community. Here are some key things you need to keep in mind when searching for your motorcycle insurance. 

The basics that you need for motorcycle insurance in Texas

The state requires that anyone who is a motorcycle owner must have a Class M driver’s license. To receive this license, you must take a DPS-approved motorcycle safety course. Once that is completed, you then take your certification of completion with you to the driver’s license office. In regards to coverage requirements, you will need property damage and bodily injury through your insurance agency to some degree. There will be a variety of options for you to choose from based upon your driving record and other information. 

The equipment that you need by state rules

When you are behind the wheel of a motorcycle by yourself, and on the road, by state rules, you are to have the following in order to comply with state regulations. One tail lamp, one red reflector in the rear, one-stoplight, and no more than two headlamps. If for any reason, that one of your headlamps goes out, it is illegal to drive with just one (we recommend getting the second fixed as soon as possible). You are required to have a license plate lamp (similar to a regular car license plate light).

Are you ready to get a quote for motorcycle insurance from one of our qualified agents at Rasor Insurance? Contact our office in Celina, TX, and our team will be happy to answer your questions and get you started.

7 Boat Insurance Coverage Tips To Help You Find The Best Policy

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Looking for boat or watercraft insurance in the Prosper or Celina, TX areas?

Insurance is important for a variety of reasons. Boat Insurance covers boat owners during cases where the boat gets damaged or someone gets injured while they are on the boat. Boat insurance primarily covers boats that have motors, such as fishing boats and yachts. Here are several tips to help you find the best policy for your boat.

Research Different Policies Before Adding Accessories

While you may be tempted to add some accessories to your boat, do some research before you purchase anything. Many insurers do not cover boat accessories.

The Size Of The Boat Is Important

If you have a large boat, your policy will likely contain language that outlines the radius that you are allowed to use your boat in. If you travel outside of that radius, your policy may not cover you.

If You Have An Older Boat, Get An Inspection

If you are seeking coverage on an older boat, you should have your boat inspected in order to receive an accurate assessment of the boat’s condition and value. This will help insurance companies give you a better quote.

Pay Attention To The Weather

If you live in an area where natural disasters frequently occur, that will certainly impact your policy. You may have to purchase special coverage to protect your boat in the event of a natural disaster.

Will Other People Operate Your Boat

Research different policies before you let someone else operate your boat, especially if they are a minor. According to the state law in Texas, children under the age of 13 are restricted from operating a boat unless an adult is on board.

Read The Engine Language

Keep in mind that some insurance policies will not cover engine failure if it happens as a result of natural wear and tear.

Check For A Dormant Policy

During dormant periods, you’ll likely put your boat up. However, it’s important that you pay special attention to the length of the dormant policy. You may not be covered if you operate your boat during the dormant period.

Consult With Rasor Insurance

For more information about boat insurance, contact Rasor Insurance. Based out of Celina, TX, Rasor Insurance is committed to helping their clients regardless of their situation. 

Commercial Coverage Every Small Business Needs

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One of the many challenges you face as a small business owner is protecting your company against unforeseen disasters that can cause financial ruin. Commercial insurance from Rasor Insurance can provide the protection your enterprise company needs.

The following coverage offers small businesses in Celina, TX essential protection against almost any eventuality: 

Property Damage Coverage

If your business operates out of an office, warehouse, or shop, you need property insurance to cover damage to your building in the event of a fire or natural disaster. A severe storm or tornado could devastate your building and destroy its contents. Property coverage protects your building, business equipment, and your inventory against such perils as fire, smoke damage, storm damage, wind damage and more to help you recover from your loss.

Liability Coverage

If your small business receives customers on-site, there’s the risk of someone having an accident that causes them bodily harm. Accidents could lead to lawsuits if you’re held responsible for damages. Liability insurance protects you against liability claims for injuries or property damage to preserve your business assets. If you’re sued for damages, liability coverage pays your legal fees and settlement, up to the limits of your policy.

Business Interruption

There may come a time when your business has to close down temporarily due to damage from a fire or natural disaster. Closing up shop, even for a short time, will cut into your profits, resulting in financial loss. Business interruption compensates you for loss of revenue and other business expenses to make it easier for you to get back on your feet after a disaster.

Worker’s Comp

If your business has employees, Texas requires that you obtain worker’s comp insurance to protect your workers against accidental injuries on the job.  

Call or visit Rasor Insurance in Celina, TX  for all your commercial insurance needs.

Tips for new drivers in 2020

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Congratulations on owning that dream car and for finally getting that driver’s license. However, being on the road means having sorted all legal requirements like auto insurance. Therefore, whether you are buying your car through a loan or cash, you must get car insurance.

For new drivers, car insurance may seem pretty expensive compared to drivers who have been around for a few years. So, how do you ensure that you get the best coverage at the best rates? Rasor Insurance in Celina, TX has gathered a few tips to help you understand.

Shop for affordable insurance 

If you are new to insurance, it is prudent to not settle for the first choice. There is a good deal of insurance companies with affordable rates and special rates for new drivers. The rule of the thumb is that you are going to pay more than other experienced drivers, but you will pay much less than what you would have if you were to total or wreck your vehicle.

Use your parent’s insurance

If you are still in college or working but haven’t started living on your own, you may want to save some money by asking your parents to include you in their policy. However, you may need to adjust the ownership so that it reads to your parents. It is still important to learn the process of insurance so you won’t be dependent later on in life.

However painful and sad this may sound to economy conscious individuals, paying per year is much cheaper than paying monthly. If you can afford to, this could save you big time.

Do your homework, shop for quotes diligently, and you won’t miss a good deal. For all your insurance needs, contact Rasor Insurance in Celina, TX today.

 

Why Do I Need Umbrella Insurance?

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Have you ever heard of umbrella insurance? If you know what it is, you may be one of the many people who don’t think it is a necessary expense. If you have never heard of it, now is the time to learn what it is and why it is such a good investment. 

If you need help to get the right umbrella insurance coverage in Celina, TX, you can contact our professional team at Rasor Insurance to ensure you get the coverage and protection you need. 

Umbrella Insurance will Provide Additional Coverage 

When you purchase umbrella insurance, it is going to fill in the “gaps” that your other insurance may leave. This means that if a claim arises and your primary insurance policy doesn’t cover all the related expenses, umbrella insurance will kick in and ensure you aren’t having to pay large amounts of money out of your own pocket because of damage, an injury, or another type of liability. 

Protection Against Liability 

When you purchase umbrella insurance, you will be protected from liability. For example, if someone is injured on your property, your homeowner’s insurance will cover a set amount of that person’s injury-related costs. What happens though, if it isn’t enough? In this situation, if you don’t have umbrella insurance, you have to pay out-of-pocket. However, with this coverage, you have more money to provide the compensation the injured party needs to fully recover. 

The Sense of Security

The peace of mind that umbrella insurance provides is invaluable. With this coverage, you can feel confident that you are covered in the event of an accident or another issue that may arise where a claim needs to be made. 

If you need to purchase umbrella insurance in Celina, TX, contact our team at Rasor Insurance for help and information. 

How To Make Sure Your Home Insurance Covers What You Need

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It’s important to know what your home insurance does and doesn’t cover. When you’re going to pay for a policy, you have to make sure that it includes the coverage that you need. This is when it can be helpful to work with us at Rasor Insurance.

What’s Included in a Policy

There are a few major components that are included with a home insurance policy. This includes protection of your property, your personal belongings, as well as liability in the event that something happens on your property or as a result of someone who is living on your property.

There may be instances when this isn’t sufficient. Not all policies are built the same way. Different companies can provide different coverage levels. This is why it’s important to work with an independent insurance agent who can guide you through the process.

Customizing Your Policy

If you want your home insurance to cover everything that you need, you need to look at the details. This includes looking at worst-case scenarios so that you are prepared for anything that may happen in and around your home. You can choose to add riders to your policy that go above and beyond the basics. This includes limited coverage for money, jewelry, gold, and various collections. You can also choose to increase the level of liability and coverage for any personal property that is stored outside of your home.

When you have a more thorough home insurance policy, it provides you with better peace of mind. This way, should something happen, you know that you can file a claim with the insurance company and reduce your out-of-pocket expenses.

Contact us at Rasor Insurance today to learn more about home insurance. Our independent insurance agents can work with you to customize a policy.

 

What does farm and ranch insurance cover in Texas?

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If you farm or ranch in Celina, TX, your farm is a part of who you are. It’s more than just an investment; it’s a way of life. At Rasor Insurance, we understand how vital that way of life is, and we work hard to help you find the protection you need.

Considering your unique needs, you need a policy that reflects your personal circumstances. Standard coverage can include all of these:

  • Dwelling coverage to protect any homes on the farm in case of fire, lightning, storms, accidents, theft, and vandalism.
  • Farm personal property coverage to protect your livestock, equipment, and other machinery.
  • Farm liability, to protect you in case there is an accident on your property, which will cover medical bills and physical damage.
  • Farm outbuilding, for any sheds, barns, or other outside structures.
  • Additional living expenses or fair rental value, in case you cannot live in your home temporarily because of a loss already covered under your policy.

No one wants to pay for more than they need, but you need to discuss with your agent everything of value on your farm to make sure that you have at least as much protection as you need. Besides the standard coverage, you can also get additional coverage to cover you in case your farm equipment breaks down, to include lost income, and many other circumstances.

If you live in Celina, TX, you may be eligible for discounts too. There are discounts for transferring your policy, paying in full for a year, bundling your insurance policies, and for other reasons. If you are interested in seeing if you can get better coverage to meet your needs, or if you have any questions, please call Rasor Insurance today.