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Christian Insurance Agency

710 Melton St
Magnolia, TX 77354

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Does Umbrella Insurance Cover Damaged or Stolen Belongings?

At Christian Insurance Agency in Magnolia, TX, we know that sometimes you want more coverage than your current home or car insurance policy can give. That’s why we offer umbrella insurance as a safety net to help cover liability costs that extend beyond your present home or car insurance policy. It’s a great option for those who want to feel completely confident and secure in their abilities to handle anything that life throws their way from a liability perspective. 

While umbrella insurance is ideal for covering some unexpected situations, it does have its limits, like any insurance policy. If you’re wondering whether it covers damaged or stolen belongings, we have the answer to that question below.

Does Umbrella Insurance Cover Damaged or Stolen Belongings?

While every policy is different, umbrella insurance does not generally cover damaged or stolen belongings. As a whole, it usually only protects your current personal assets such as your home or car, and any forthcoming assets you may acquire such as wages, inheritance, or the spoils of a winning jackpot ticket. If you find yourself at the at-fault end of a car accident or lawsuit, umbrella insurance will come in extra handy for keeping your assets safe from harm. 

For items in your home or car that have been damaged as a result of a disaster or stolen, there’s nothing that most umbrella insurance policies can do. If you want to keep your belongings protected in the case of damage or theft, other insurance policies like renter’s insurance and home insurance may be more likely to include protection for these items in their specifics.

Give Us A Call

For more information on how our umbrella insurance policies can protect your assets, call our office at Christian Insurance Agency in Magnolia, TX today!

How To Prepare For Flash Floods

Magnolia, TX is situated in "Flash Flood Alley," one of North America’s most frequently flooded areas. Flash floods occur as a result of heavy rain and are hazardous to people and property. Homeowners in this area must take precautions to prepare for these unexpected and deadly events.

How Can Magnolia Residents Prepare For Flash Floods?

Flash floods start fast, but there are steps homeowners can take to protect their family, pets, and property in the event of a flash flood.

  • Always keep a flood preparedness kit on hand. This bag should contain basic supplies that you may require in the event of an emergency evacuation. Make sure this kit has a scanned copy of any crucial documents, such as your driver’s license and mortgage. Consider keeping a change of clothing, 2-3 days worth of medication, and some shelf-stable food in your kit. Also, don’t forget any special needs items such as baby formula and pet food. 
  • Make an evacuation plan for everyone in your family, including pets. Make sure that every family member knows exactly what to do if a flash flood warning is issued and hold practice runs so that everything goes smoothly if it needs to be followed in an emergency. 
  • Consider investing in flood-mitigation measures for your home, such as foundation elevation and basement sealing.
  • When you expect flooding, place sandbags around your home to keep water out.
  • Invest in flood insurance from a reputable company, such as Christian Insurance Agency, to protect your investment and belongings.

Need Flood Insurance?

Reach out to Christian Insurance Agency today and speak with an agent serving the greater Magnolia, TX community. Our agents understand your local coverage options and are eager to assist you in making the best decision to safeguard your family’s future.

How condo insurance protects your condo

Owning a condo comes with lots of perks. You can kiss exterior home maintenance goodbye and, in many cases, enjoy extras like a community swimming pool and gym. At Christian Insurance Agency, serving the Magnolia, TX region, we will make sure that your condo insurance is the perfect fit for your life and for your particular condo. 

Condo insurance offers coverage similar to that provided by home insurance. However, with a condo, you are not responsible for insuring the exterior of your unit and the common areas. The condo association has coverage that insures the roof and exterior walls as well as liability coverage for the common areas. 

Why Condo Insurance?

Property coverage

The property coverage of a condo begins where the condo association coverage ends. It covers the interior walls and permanent interior fixtures. These are things like kitchen cabinets, light fixtures, bathrooms, large appliances, etc. 

Content coverage

Content coverage protects your furniture, personal property, electronics, decor, and more. Like home insurance, you have the option of choosing how this is covered, at replacement cost or actual value, which is what it is worth today with depreciation figured in. This coverage has limits on certain categories. 

Liability coverage

Liability protects you when legal action is taken against you by someone who is injured while visiting your condo or by a member of your family. 

Loss of use

Bad things happen, and when your unit is attached to another unit, you can be the victim of a hazard that happens nearby as well as one in your own unit. If your condo is so damaged that you can’t live in it, loss of use coverage will pay for a place for you to stay while your condo is being repaired. 

Reach Out To Us

Give our office a call at Christian Insurance Agency in Magnolia, TX when you need information about condo insurance. 

All You Need To Know Before Buying Classic Car Insurance

If you are a fan of cars, you probably know how expensive classic and antique cars are. Therefore, if you own one, you want to make sure that it is well protected. That is why you need classic car insurance that provides special coverage for your valuable and expensive vehicle. However, before you purchase any policy, there are some things you should know. No worries, Christian Insurance Agency in Magnolia, TX is here to assist. 

What Should You Know About Classic Car Insurance?

Here are the things you should take into consideration:

  • The age and value of your car matter. In order to qualify for classic car insurance, your vehicle must meet certain criteria. It has to be about 25 years old, in decent condition, and should not be driven more than 7,500 miles per year. 
  • There are several types of cars that qualify for classic car insurance. They are classic cars (cars that have a higher value than cars of other makes and models), replicas (representation vehicles that are 25 years and older), and modified cars (vehicles that were altered due to changes in their engine, body, and other parts).
  • There are three types of classic car insurance to choose from.  These types are liability auto insurance, collision and comprehensive insurance, and uninsured motorist coverage. 

Get The Right Coverage For Your Needs

Do you have a classic car and you want to protect it against various unexpected events? Classic car insurance is what you need. If you are looking for insurance in the greater Magnolia, TX region, make sure to contact Christian Insurance Agency. We are experts in different types of insurance, including classic car insurance as well. Feel free to contact us to ask any questions or to get more information about the policies available. 

How is motorhome insurance different from auto insurance?

Your motorhome is a great way to move around the country. In a motorhome, you have the freedom of a car combined with the ability to stretch out and move around a tiny home. Since a motorhome is a motor vehicle, most insurance companies are willing to issue policies on them, which makes them convenient for an insurance policy. You can insure your motorhome with a policy from Christian Insurance Agency, serving Magnolia, TX.

There are some crucial differences between a motorhome and a car that makes it important to have specialized insurance.

Motorhomes have living spaces and amenities like a kitchen and a bathroom. A motorhome is a type of recreational vehicle, called a “Class A” RV. Class A RVs are larger and more luxurious than other types of RVs. Some motorhome owners sell their houses and become “full-timers,” especially older ones.

Full-Timers Insurance

As the name of this insurance suggests, this is insurance for people who live in their motorhomes. Full-Timers’ insurance is a good option for people who live in their motorhomes because it combines the functions of auto- and homeowners’ insurance, giving you full protection either if your motorhome is robbed or if it crashes.

Campsite-Liability Insurance

Campsite liability insurance is the other side of this: It acts as car insurance most of the time when you’re traveling in your motorhome, only adding the additional coverage of belongings when you’re at camping sites. Like full-timers’ insurance, it includes medical expense provisions that more closely resemble those of homeowner’s coverage than of auto coverage.

RV Emergency Expense Coverage

Some RV insurers also offer additional coverage for emergency expenses incurred while operating an RV. Our professional insurance advisors at Christian Insurance Agency serving Magnolia, TX can help you explore your needs for RV or motorhome insurance.

We Are Here To Help

Our team of insurance experts at Christian Insurance Agency can provide coverage for your Magnolia, TX motorhome and best meet your needs. Give us a call today!

Who needs to have a full RV insurance plan in Texas?

Owning an RV can be a great idea for those that are in the Magnolia, TX area. When you do own an RV, it will give you a convenient and safe way to get around the state and enjoy all that it has to offer. When you are looking to purchase an RV, it is important that you get insurance for it.

There are various situations when someone needs to have this coverage:

Those with a Loan

A situation when someone is going to need to have insurance for their RV will come when they take out a loan. An RV can be a very expensive asset to purchase. Due to this, taking out a loan is common when purchasing one of these vehicles. If you have a loan outstanding, you will always need to have insurance for it. Most lenders will require you to have a full comprehensive plan. 

Those that Drive

You also need to have this insurance if you intend to drive your RV. If you want to drive any type of vehicle in Texas, you will be obligated to carry liability coverage. This insurance is important as it ensures you can pay for damages that may be caused during a collision. If you are not covered by liability insurance, you will be in violation of the law and could be penalized. 

Contact Us Today

If you are looking to purchase an RV in the Magnolia, TX area, it would be a good idea to get insurance for it as well. A great group to call when looking for coverage is the Christian Insurance Agency. Our team of insurance experts at the Christian Insurance Agency understands the value of this coverage. We can provide the support necessary to build your next insurance plan. 

Texas Motorcycle Insurance Laws

When they say "Don’t mess with Texas," that also means don’t mess with Texas license and insurance laws. Motorcycles are still considered motorized vehicles and are subject to state regulations. Ignoring these regulations can result in unwanted fines and penalties. Christian Insurance Agency serves Magnolia, TX and understands motorcycle insurance laws in the state of Texas.

Who needs motorcycle insurance?

Any bike with a motorized engine will typically need motorcycle insurance. This means standard motorcycles and trikes as well as moped and bike-style motorized bicycles will be subject to Texas insurance requirements. The only bike-style autos that are exempt from these requirements are mini-bikes, dirt bikes, or other ATVs that are not allowed on public roads. So, if you travel on public streets, you need at least public liability insurance in Texas and a license and registration just like a car or truck.

What kind of coverage do I need for my motorcycle?

Texas motorcycle laws require you to have minimum liability coverage, which protects both persons and property involved in an accident. This is often referred to as 30/60/25 coverage. The numbers refer to $30,000 in insurance coverage per person, $60,000 per accident, and $25,000 in property. These amounts represent the minimum required coverage by the state, but anyone who’s paid a hospital bill recently knows that injuries can exceed these amounts. You may also want more comprehensive coverage on your own motorcycle, not just on damages incurred by your accident damage on others. 

Get Coverage For Your Motorcycle Today

Christian Insurance Agency in Magnolia, TX is here to help you get the motorcycle insurance coverage you need. Call us today or reach out online for your motorcycle insurance quote.

Tips for Safe Boating

Boating is a great hobby and a relaxing activity for many people. But there are also many risks involved. Before you set out on the water, keep these tips in mind, courtesy of Christian Insurance Agency in Magnolia, TX.

Tips for Safe Boating

Know how to swim

It probably goes without saying that everyone going on a boat should know how to swim. Even so, the water can be rough and challenge even the best of swimmers.

Have proper safety equipment

That brings us to the next important point. There should be enough life jackets and life preservers on your boat for everyone on the boat. Invest in the proper equipment. You won’t regret it. You will have peace of mind in knowing that you are prepared.

Watch the weather

Everyone who goes out in boats should keep a close eye on weather forecasts. Do not risk going boating if it looks like storms are in the forecast. And if unexpected storms develop while you are out boating, come back to the shore or marina – the origination point of your boating excursion – immediately.

Drive safely

Just as you should drive safely and follow traffic laws while driving a car, you should also drive your boat safely. If you need more skills, definitely look into taking a boating class. Skills are just as valuable as equipment.

Know first aid

You should at least know the basics of first aid when you are out boating. It is an excellent idea to take classes in first aid and water safety. The more knowledge, the better.

Get Boat Insurance

For more information about boating and boating insurance, contact Christian Insurance Agency in Magnolia, TX today.

What Are Some Things To Consider When Deciding Whether Or Not To Purchase Umbrella Insurance?

Umbrella insurance is a type of supplemental insurance that can provide extra coverage in the event that you are sued for more than the limits of your homeowners or automobile policy. It can be a great way to protect yourself from an unexpected lawsuit, but there are some things you should consider before purchasing umbrella insurance.

Here are some of the most important factors to remember when deciding whether umbrella insurance is right for you:

1. How Much Coverage Do You Need?

The first thing you’ll need to consider when deciding whether or not to purchase umbrella insurance is how much coverage you actually need. Umbrella insurance policies typically provide an additional $500,000-$50 million in coverage beyond the limits of your policy. If you feel like you need more than the coverage provided by your standard policy, umbrella insurance from a reputable agency such as Christian Insurance Agency in Magnolia, TX may be a good option for you.

2. How Much Does It Cost?

Another important factor to consider when deciding whether or not to purchase umbrella insurance is the cost. Umbrella insurance policies typically range in price from $200-$500 per year, depending on the amount of coverage you purchase. If you feel you need the extra coverage provided by an umbrella policy, compare rates from different insurers to find the best price.

3. What Are Your Assets?

Finally, you’ll need to consider your assets when deciding whether or not to purchase umbrella insurance. If you have a lot of assets, such as a home, investments, or savings, you may want to consider purchasing umbrella insurance to protect yourself in the event that you are sued. On the other hand, if you don’t have many assets, you may not need to purchase umbrella insurance.

Contact Us Today

When deciding whether or not to purchase umbrella insurance, ultimately, it’s up to the individual. However, Christian Insurance Agency in Magnolia, TX is always here to help you make the best decision for your needs. Give us a call today.

I Am Buying A Home. Is Flood Insurance Required?

Flooding is one of the most common natural disasters in the United States. Over 20% of all flood claims come from people who do not have flood insurance. When buying a home, it’s important to know if flood insurance is required in your area. Christian Insurance Agency in Magnolia, TX can help you navigate this important insurance coverage.

Here we discuss whether you need flood insurance so you can make an informed decision about whether or not to purchase coverage.

Are You In a Flood Risk Area?

The first thing you need to determine is whether or not your home is located in a flood-risk area. If it’s, you’ll most likely be required to have flood insurance by your lender. You can check the National Flood Insurance Program’s (NFIP) website to see if your address is in a Special Flood Hazard Area (SFHA).

Magnolia TX, for instance, is a flood risk area and residents need to have flood insurance from a reputable company like Christian Insurance Agency. If you’re not sure whether your home is located in an SFHA, you can also check with your local Christian insurance agency. They’ll be able to tell you if your area is considered high risk for flooding.

What Does Flood Insurance Cover?

Flood insurance will protect your home and belongings from damage caused by flooding. It’ll also cover the cost of repairing or rebuilding your home if it’s damaged by a flood.

There are two types of flood insurance, building property insurance and contents insurance. Building property insurance covers the structure of your home, while contents insurance covers your personal belongings. Most people who purchase flood insurance will buy both types of coverage to protect their homes and belongings from damage caused by flooding.

Contact Us Today

If you’re thinking about purchasing flood insurance, it’s important to understand what is and is not covered by your policy. You can speak to a Christian Insurance Agency representative in Magnolia, TX to get a better understanding of what is and is not covered by your policy. We can also help you determine how much coverage you need to protect your home and belongings from flooding.