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Property Insurance

Several types of coverage can provide financial safeguards if your property is damaged, destroyed or stolen. Whether you are looking to cover your home or other personal property, the right policies can provide repair or replacement costs and reduce your out-of-pocket burden.

Contact My Insurance Store today to learn more about policy options.

Coverages for Property

Several types of insurance may provide coverage for property, including:

• Homeowners insurance—Homeowners insurance packages several coverages into one policy. In addition to providing liability insurance and additional living expense coverage, it may provide financial protection if a covered peril (e.g., fire, windstorms, vandalism or hail) damages or destroys your property or it’s stolen. Policies may cover the structure of your home, attached buildings, other structures and personal belongings.
• Inland marine insurance—This may provide extended coverage for high-value items (e.g., jewelry or art) and personal property in transit. It may be available as an endorsement to your homeowners policy or as a stand-alone policy.
• Renters insurance—This may provide coverage if your personal property is damaged or destroyed by covered perils and is often required by landlords. It may also cover the theft of your belongings.
• Flood or earthquake insurance—Many homeowners policies do not cover losses due to floods or earthquakes. Separate policies are available to provide additional financial safeguards against property losses caused by these events.

Other coverages may be available. Speak with our agents for more information on options, limits and exclusions.

Get Property Insurance

Our knowledgeable agents are ready to help you secure the insurance you need to cover your property adequately. Contact us today to get started.

Toy Vehicle Insurance

Recreational toy vehicles, such as all-terrain vehicles (ATVs), jet skis and snowmobiles can be exciting to use. Like any motorized vehicle, toy vehicles are vulnerable to various unforeseen accidents. Having the right toy vehicle insurance policy can protect you from high accident-related costs. Selecting the right coverage can be difficult, which is why our agency is determined to help you learn more about your potential coverage options.

What Toy Vehicle Insurance Covers

Coverages tend to vary among policyholders, but standard toy vehicle insurance policies might include options such as:

• Liability coverage helps cover expenses if you or someone listed in your insurance policy are at fault in an accident that causes property damage or bodily injury.
• Uninsured/underinsured motorist protection helps cover repair expenses if a driver with little or no insurance damages your toy vehicle.
• Custom parts/equipment coverage helps protect against damages to custom enhancements made to your toy vehicle.
• Medical payments coverage helps cover medical bills if you or your passengers are injured in an accident.

Contact our agency to learn more about potential coverage options included in your toy vehicle insurance policy.

How to Get Toy Vehicle Insurance

My Insurance Store can help you navigate toy vehicle insurance policies so you can decide on the proper coverage. Contact one of our agents today to learn more or request a quote.

Umbrella Insurance in Cleburne, TX

Life is brimming with uncertainty, and unforeseen circumstances can emerge at any moment. While you might already have auto, homeowners or renters insurance, umbrella insurance can be an additional vital safeguard that merits your attention. Whether you’re a homeowner, a business owner or simply seeking peace of mind, understanding umbrella coverage is essential.

What Is Umbrella Insurance?

Umbrella insurance offers extra liability coverage beyond your primary policies (such as auto, home or watercraft insurance). It acts as a safety net, financially safeguarding your assets and savings from substantial liability claims. Essentially, it offers excess liability insurance beyond what’s already covered by your existing policies.

How Much Does Umbrella Insurance Cover?

The typical coverage limits for insurance can vary, but they often start at $1 million and can go up to $5 million or more. These limits represent the maximum amount the policy may pay out in the event of a covered liability claim. Keep in mind that specific limits depend on factors like your assets, risk exposure and individual circumstances. It’s essential to discuss your needs with an insurance professional to determine the appropriate coverage level for your situation.

Do I Need Umbrella Insurance?

Determining whether you need this insurance involves assessing your risk exposure and financial situation. The following are some factors to consider:

• Assets—If you have substantial assets (such as a home, investments or savings), insurance can protect you from liability claims that exceed your primary policy limits.
• Risk tolerance—Consider your risk tolerance. Are you comfortable with the possibility of a large liability claim? Insurance can offer peace of mind by covering unexpected expenses.
• Lifestyle—Evaluate your lifestyle. Do you engage in activities that could lead to liability claims?
• Existing coverage—Review your existing auto, home and other policies. This insurance typically requires minimum liability coverage on these policies.
• Cost—Assess the cost of insurance relative to the protection it offers. It’s often affordable, given the coverage it offers.

Where Can I Get Umbrella Insurance?

Contact My Insurance Store today to determine if umbrella insurance aligns with your needs.

Classic Car Insurance in Cleburne, TX

Owning a classic car is more than just a hobby; it’s a passion that connects enthusiasts to a bygone era of automotive excellence. However, protecting these cherished vehicles requires specialized insurance that goes beyond standard auto policies. Classic car insurance can help address the unique needs of vintage and collectible car owners, offering financial coverage that reflects the vehicle’s actual value, limited usage and the care taken to preserve them.

How Much Is Classic Car Insurance?

The following factors can influence the cost of classic car insurance:

• Car’s value—The agreed value of the car, which is the amount you and the insurer agree upon as the car’s worth, plays a significant role.

• Usage—How often and for what purposes you drive the car can impact rates. Limited use, such as for car shows or occasional leisure drives, can lower premiums.

• Storage conditions—Where and how the car is stored can affect coverage costs. Secure, enclosed storage can reduce premiums.

• Driver’s profile—Your driving record, age and experience can impact rates. A clean driving record typically results in lower premiums.

• Car’s condition and age—The car’s age, condition and historical significance can affect its collectible value and insurance cost.

• Location—The area where you live and drive the car can influence rates due to varying risks of theft, vandalism and accidents.

When Does a Car Become a Classic for Insurance?

A car typically becomes a classic for insurance purposes when it is 20 to 25 years old. However, age is just one factor. Insurers may also consider the car’s condition, historical significance and how well it has been maintained or restored. Additionally, the car should be driven less frequently than regular vehicles and stored properly to retain its value.

How Many Miles Can You Do on Classic Car Insurance?

The mileage limits on classic car insurance can vary depending on the insurer and the specific policy. Generally, most classic car insurance policies set a limit of 10,000 miles per year or less. Some insurers offer higher mileage options, and a few even provide unlimited mileage or unrestricted use. However, even with no mileage caps, there might still be restrictions on how often you can drive your classic car.

Learn More

Contact My Insurance Store to discuss classic car insurance.

Workers’ Compensation Insurance in Cleburne, TX

All businesses must understand and address risks and dangers within their workplaces. Even employees working in relatively low-risk environments, such as offices or their own homes, could be harmed during the course of their work-related duties. Various incidents, including slipping on a wet floor, tripping over an upturned rug or being burned by spilled coffee, could occur at countless companies across many sectors. That’s why workers’ compensation insurance is critical for all businesses.

How Does Workers’ Compensation Insurance Work?

Like many types of insurance, workers’ compensation policies establish binding agreements between your company and its insurer. In exchange for your regular payments, known as premiums, your covered employees have the ability to file a claim for financial assistance following work-related incidents. If staff are injured or become ill on the job, workers’ compensation payouts can help fund their recovery and manage other expenses.

What Do Policies Cover?

Workers’ compensation insurance can often assist with many types of losses and costs arising from on-the-job ailments. Specifically, your policy could provide funds to assist with the following:

• Health care costs, such as if injured or ill employees require hospitalization or medication
• Lost wages, such as if an employee must miss work due to their work-related injuries or illness
• Vocational rehabilitation, such as if affected employees cannot return to their positions and require education and training for new jobs
• Death benefits, such as to compensate family members if an employee passes away due to an on-the-job incident

Additionally, workers’ compensation insurance often includes employers’ liability coverage. This component of your policy can help fund your legal defense and pay for settlements and judgments if affected employees choose to sue your company.

Do You Need Coverage?

Although Texas does not have sweeping workers’ compensation insurance laws, if your company plans to work with government bodies, you’ll typically need coverage. Even in the absence of official obligations, a suitable policy is generally advisable. Without workers’ compensation insurance, you could face costly out-of-pocket losses following workplace incidents and might struggle to attract and retain employees.

How to Get a Policy Near Me

Contact My Insurance Store today to learn more about coverage options or compare personalized workers’ compensation insurance quotes.

Recreational Vehicle Insurance

If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., all-terrain vehicle (ATC) or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Contact us today to get started.

What Is Recreational Vehicle Insurance?

Recreational vehicle insurance is a general term that refers to a variety of policies used to insure vehicles such as boats, motorcycles, RVs, ATVs and travel trailers. Each policy provides unique coverage. Talk to your agent today to discuss specific coverage you may need for your recreational vehicle.

What Does Recreational Vehicle Insurance Cover?

Recreational vehicle insurance helps provide a layer of protection against liability and property damages. Recreational vehicle insurance varies based on the type of vehicle you have. Talk to your agent to learn more about targeted coverage for:

• Boat and watercraft
• Off-road vehicles (e.g., ATVs, golf carts, and snowmobiles)
• Campers
• Coaches
• Motor homes
• Travel trailers

Is Recreational Vehicle Insurance Required?

Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must secure at least the minimum auto insurance required of all drivers in their state of residence.

How to Get Recreational Vehicle Insurance

If you’re in need of a recreational vehicle insurance policy, we’re here to help. Contact My Insurance Store today to learn more or receive a free quote.

Renters Insurance

Renters insurance is a tenant’s financial safety net, shielding them from the uncertainties and financial risks of renting a living space. At My Insurance Store, our commitment is to provide tailored insurance solutions, ensuring you find the perfect policy for your needs and circumstances. Reach out to us today to get a quote.  

What Is Renters Insurance?  

As the name suggests, renters insurance is a contractual agreement designed to protect you, the tenant, against financial losses caused by perils such as theft, fire or vandalism in exchange for your premiums. Without it, you may face significant financial hardships, such as struggling to replace or repair your belongings in the event of unforeseen events.  

What Does Renters Insurance Cover?  

What renters insurance covers may vary, as every tenant will have different needs, circumstances or preferences. However, policies may commonly include the following coverages: 

• Personal property coverage—This may reimburse you for theft or damage to your personal belongings such as furniture, clothes and electronics. Make sure to get coverage limits that are high enough to replace all your items.  
• Liability coverage—This coverage may protect you in case someone else is injured on your rental property or if you cause damage to someone else’s property. It may also cover legal expenses up to the policy’s limit.  
• Additional living expenses coverage—If your rental is uninhabitable due to a covered loss such as a fire, this coverage may pay for temporary accommodations and other related expenses.  

Do I Need Renters Insurance?  

Renters insurance is essential for anyone living in a living space they do not own. Some landlords may even require it as a condition of a lease. Beyond providing peace of mind, renters insurance can shield you from potential financial burdens arising from unforeseen circumstances.  

Get Coverage Today  

Don’t wait until it’s too late. Contact My Insurance Store now at 817-774-0488 to learn more about our renters insurance policies and get a personalized quote tailored to your needs. 

Motorcycle Insurance

If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.

What Is Covered Under Motorcycle Insurance?

The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:

• Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
• Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
• Property damage to your motorcycle caused by a collision with another object
• Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
• Roadside assistance
• Towing
• Trip interruption expenses
• Additional or specialized equipment

Contact our agency today to learn more about the protections that may be available to you.

Why Do You Need Motorcycle Insurance?

Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.

How To Get Motorcycle Insurance

If you need a motorcycle insurance policy, we’re here to help. Call My Insurance Store to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.

Life Insurance in Cleburne

Understanding the value and function of a life insurance policy is crucial in planning for the future. Contact My Insurance Store in Cleburne, Texas, to learn about your life insurance options and get a personalized life insurance quote.   

What Is Life Insurance and How Does It Work? 

Life insurance is a contract between you and an insurance provider. You pay premiums (typically monthly or annually), and the insurer pays a sum of money to your beneficiaries upon your death according to the policy terms.  

This financial tool offers a safety net, ensuring that your loved ones can maintain their lifestyle or cover necessary expenses without your support or income. 

What Does Life Insurance Cover? 

A life insurance policy may help cover various financial obligations, including but not limited to: 

• Funeral expenses—May help cover the costs associated with burial or cremation. 
• Debts and loans—Ensures your family can manage outstanding debts or mortgages. 
• Education costs—Supports future educational expenses for your children or dependents. 
• Living expenses—Assists in maintaining your family’s lifestyle in your absence, including paying for childcare if a stay-at-home parent dies. 

Life insurance costs vary based on several factors, including age, health and the type of policy you choose. Life insurance brokers, such as those at My Insurance Store, can assist in comparing quotes and finding a policy that matches your financial situation and coverage needs. 

Contact Us 

Contact My Insurance Store today to start comparing life insurance quotes.