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Underinsured Drivers: Why It’s So Vital That You Have Umbrella Insurance to Back up Auto Insurance in Texas

Posted on December 31, 2025December 12, 2025 by admin

Texas may have a sizable number of drivers who are uninsured, but the state also has a lot of underinsured drivers. These are drivers who have at least the legal minimum for insurance but don’t have policies that would pay for all of the damage they could cause in an accident. You can add underinsured-motorist coverage to your existing car insurance policy, but even that coverage has a limit. The solution is to get umbrella insurance from a company like Christian Insurance Agency, serving Magnolia, TX.

Umbrella Insurance Covers Those Above-and-Beyond Costs

When an underinsured driver’s insurance doesn’t cover the entire cost of and accident they caused, then your underinsured-motorist coverage would kick in. But if the costs of repair and medical bills exceeded even that coverage, how would you pay? With repair prices and medical charges rising quickly, a straightforward accident and injury could surpass the limits of those policies faster than you realize. This is where umbrella insurance kicks in, with up to another $1 million in coverage for many policies.

Umbrella insurance acts like a catch-all for these costs that soar above the limits of your regular insurance. It gives you and your finances protection from major costs that your other insurance won’t pay for, such as medical liability. Umbrella insurance isn’t a one-size-fits-all policy, though, so you’ll want to work with a knowledgeable insurance agent to find the right coverage.

Best of all, umbrella insurance isn’t usually expensive. Many policies cost only a few hundred dollars per year, although that obviously varies depending on how much coverage you buy.

Contact Christian Insurance Agency, serving Magnolia, TX, to discuss umbrella coverage. Give yourself the gift of peace of mind.

Does Flood Insurance Cover Damage From a Leaking Roof?

Posted on November 26, 2025November 18, 2025 by admin

It doesn’t take a lot for a roof to start leaking. One loose shingle can blow away in a storm, allowing water to slowly leak down into the attic and cause mold, ultimately ruining personal belongings. Will flood insurance cover the damages to your Magnolia, TX home?

Flood Insurance Coverage

Unfortunately, no, flood insurance will not cover water damage from a leaking roof. It’s designed to cover damage from rising water. For example, if heavy rainfall makes the river level rise, it can lead to a flood. Water damage from a leaking roof typically does not qualify for coverage.

Homeowners Coverage

Your homeowners policy may still provide coverage for the damage, though. However, it depends on why the roof is leaking. For example, if a covered peril caused the shingle to blow away, you might be covered. Discuss your situation with an agent at the Christian Insurance Agency to determine whether you’re covered.

Policy Exclusions

Every policy has exclusions. One of the most common exclusions is normal wear and tear. If the roof has deteriorated over time or there is evidence that the homeowner didn’t repair the roof, resulting in damage, the claim will be denied.

Some policies exclude certain natural disasters, such as tornadoes or hurricanes. Many also exclude floods, which is why most homeowners need flood insurance.

Even if your flood policy won’t cover damages, you may have other options. Experienced agents at the Christian Insurance Agency will listen carefully to the details of your situation. We’ll review your policy to see if there’s anything we can do. Contact us today to learn more about your options. We’re currently serving the Magnolia, TX area.

The Difference Between Condo Insurance and Your HOA’s Master Policy

Posted on October 31, 2025October 22, 2025 by admin

If you are moving into a condo for the first time in Magnolia, TX, you may wonder why your homeowners association (HOA) doesn’t provide comprehensive insurance on the building and its contents. Christian Insurance Agency can help you understand the differences between your HOA’s master policy and the condo insurance policy you need to protect your unit and personal belongings.

Master Policy Coverage

The master policy covers broader elements of your condo building. These include common areas, such as hallways, clubhouses, swimming pools, hot tubs and other shared amenities. It also includes the building structure, such as the roof, outer walls, and exterior windows throughout the complex. Depending on the master policy, it will either cover the bare walls or your unit or specify a broader all-in coverage.

What Condo Insurance Protects

Condo insurance covers your unit’s interior, plus your personal belongings. You also receive liability coverage that pays for injuries and court costs when a covered incident occurs in your home. It also protects you if you cause damage to another unit in the building. Insurers design these policies to cover the gaps provided by your association’s master policy.

Covered personal belongings include clothing, furniture, electronics, and valuables like jewelry. It also protects interior structures, finishes and fixtures, including improvements you may have made after purchasing the unit. Most insurers also include loss assessment coverage, which helps pay for your share of special assessments levied by your association for loss to a common area.

Learn how your personal condo policy can complement your association’s coverage on your property in Magnolia, TX. Our staff will help you find a condo insurance policy to complement your HOA’s master policy. Contact the agents at Christian Insurance Agency to get started on comprehensive coverage.

Why Policy Updates Matter After Restoring or Modifying a Classic Car

Posted on September 30, 2025September 23, 2025 by admin

Completing a classic car restoration or modification project is incredibly rewarding, but failing to update your insurance policy can lead to costly coverage gaps. At Christian Insurance Agency in Magnolia, TX, we’ve seen collectors discover too late that their policy doesn’t reflect their vehicle’s current value or modifications, leaving them financially vulnerable after an incident.

Value Changes Require Documentation

Restorations and modifications can significantly increase your classic car’s value. While your original agreed-value coverage may have been appropriate for an unrestored barn find, it likely won’t cover the replacement cost of a concours-quality restoration. To adjust your coverage appropriately, insurance companies require updated appraisals, documentation of work performed, and receipts for parts and labor. Without these updates, you risk being underinsured despite paying premiums on a much more valuable vehicle.

Modifications Affect Coverage Terms

Performance modifications, engine swaps, or custom bodywork can alter how insurers assess your vehicle’s risk profile. Some modifications may require additional coverage endorsements, while others could impact your policy’s usage restrictions or storage requirements. Failing to disclose modifications can void your coverage entirely, leaving you financially exposed if something goes wrong.

Safety and Legal Considerations

Certain modifications can affect safety features or change your car’s classification for registration purposes. Insurance companies need to be informed about roll cages, racing equipment, or suspension modifications that could influence accident outcomes or legal requirements for street use.

Keep Your Coverage Current

Don’t let outdated coverage jeopardize your restoration investment. Regular policy reviews ensure your classic car insurance keeps pace with your vehicle’s evolution. Contact Christian Insurance Agency in Magnolia, TX, to update your coverage and protect the full value of your restored or modified classic car.

Why do full-time RVers need good motorhome insurance coverage?

Posted on December 23, 2024December 21, 2024 by admin

People who travel frequently in recreational vehicles and RV full-time enjoy the freedom and flexibility of going on adventures as often as possible. However, this unique lifestyle comes with specific responsibilities and risks. Insurance is one of the primary considerations that should be at the forefront of every Magnolia, TX, motorhome owner’s mind, but it is often overlooked.

The dual purpose of motorhomes means that there are points that must be met that won’t be met by standard car insurance or a regular homeowner policy. Because of these factors, anyone who travels in an RV must have insurance that provides optimal protection.

Understanding the Fusion of Coverages

Full-time RV insurance can help protect the vehicle from damage caused by accidents while on the road. It also protects when the RV is parked and used as a home. Consider what would happen if a natural disaster, theft, or vandalism damaged the RV. If these render the vehicle unusable, the owner could potentially be without a home until it’s fixed.

Besides coverage for the motorhome, liability insurance is also necessary. This can help cover damages if the RV is involved in a crash or someone suffers an injury in the motorhome while it’s parked. The coverage scope depends on the policy’s terms, so anyone looking into coverage for their motorhome should review the terms to determine if they meet their needs.

Proper RV insurance is critical, particularly for those who live in these vehicles. Working with Christian Insurance Agency can help Magnolia, TX residents to get the coverage they need for full-time or part-time RV use.

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