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Riverside Insurance Agency, Inc.

5606 I-55 S
Byram, MS 39272

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Riverside Insurance Agency, Inc. Blog

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Why All Boaters Need Boat Insurance to Protect Themselves

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Boats can be a major expense, and they can end up costing you even more than you thought if you aren’t protected by boat insurance. There are several costs when it comes to owning a boat, and boating accidents can be a significant source of them. To make sure you’re protected by boat insurance, call us at Riverside Insurance Agency Inc. in Byram, MS.

Boating Accidents

Boating accidents can be costly. Not only is there damage done to your boat that will have to be repaired, but you may also be liable for the damage to the other person’s watercraft and pay for all their needed medical treatments after the accident. This could bankrupt someone who doesn’t have boat insurance. Having at least liability coverage on your boat is vital to protect you from what you would owe for the other party’s losses. You need property damage and bodily injury liability coverage to ensure you won’t owe thousands or more after an accident. To be fully protected, you can also have other types of coverage in your policy.

Other Coverage

Getting collision coverage will also protect you in the event of an accident. It would pay for your property damage so that you could get the necessary repairs. In addition, you can get comprehensive coverage to protect you against other things happening to your boat outside the water. With all of these coverage types, you will be well-protected against the unexpected and the exorbitant expenses it can bring.

Get Your Boat Insurance Policy

As soon as you buy your boat, it would be best if you are covered by the right boat insurance policy about it; call us at Riverside Insurance Agency Inc. in Byram, MS.

How Umbrella Insurance Works After an Accident

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Umbrella insurance is a crucial type of insurance to have if you own a home and at least one vehicle. Without this type of insurance policy, you may not be as well-protected as you think. Many people aren’t aware of the potential risks they face, even if they already have home and auto insurance policies. Adding umbrella insurance can help close any coverage gaps. To get started with an umbrella policy, call Riverside Insurance Agency Inc. in Byram, MS.

More Liability Coverage

Umbrella insurance enhances your liability insurance across two of your insurance policies – your home and auto insurance. Both of these insurance types include a certain amount of liability coverage, but it’s often not enough to cover a serious accident. When you add umbrella insurance to both of these policies, it provides a substantial amount of additional coverage, leaving you much better protected in case you’re responsible for an accident.

How It Works

If there’s an accident that you’re responsible for, your home or auto insurance will cover the accident up to your coverage limits. Once the insurance has reached this limit, it can’t pay any more toward the accident, even if there are additional bills. It’s common for a serious accident to generate additional bills that home or auto insurance can’t cover. When this happens, your umbrella insurance steps in to cover the remaining bills.

Get Umbrella Insurance in Mississippi!

If you want to learn more about these policies, we’re here to help. Contact us at Riverside Insurance Agency Inc. in Byram, MS.

Internal Vs. External Flooding: What Does Flood Insurance Cover?

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When seeking maximum coverage and protection for your home, you might purchase certain policies, believing they’ll support you in specific situations. For instance, you might buy flood insurance, thinking it will cover you for any flooding issue in your house. But what happens when the flooding originates from within the home rather than from an external source? Does flood insurance differentiate between the two? Is one scenario covered and the other not? Riverside Insurance Agency Inc. in Byram, MS, is here to help you understand your flood insurance policy.

Does Flood Insurance Cover Internal or External Flooding?

It is natural to assume that flood insurance would cover all types of flood – but that’s not always the case. Generally, people purchase flood insurance anticipating external flooding due to significant flood risks in the area. If you live somewhere subject to hurricanes or heavy storms, buying a flood insurance policy would be a reasonable measure to protect your property. But what about internal flooding caused by, for instance, a broken pipe? Even though this is a form of flooding, flood insurance doesn’t usually cover damage from internal causes. Such issues generally fall under your homeowner’s insurance policy. Whatever type of flooding you want to guard against, having comprehensive insurance coverage is vital.

Find the Right Flood Insurance Policy with Riverside Insurance Agency Inc.

Protecting your home from flooding and other common threats is an effective way to safeguard your investment and ensure peace of mind. Our team at Riverside Insurance Agency Inc. in Byram, MS, can help you find the right flood insurance policy for your needs. Compare insurance quotes with us today!

Stay Safe on the Road: Comprehensive Auto Insurance and Extreme Weather Driving Tips

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Many drivers have safety concerns when driving in strong wind or heavy rain. Riverside Insurance Agency Inc. professionals in Byram, MS, want you to stay safe in all weather conditions. We put together these driving tips to help you keep cool in rain, sleet, and high winds. Additionally, we can help you choose the right comprehensive auto insurance policy if needed!

Driving in Heavy Winds

Typically, a little wind won’t change driving conditions. However, strong winds caused by weather patterns can make driving tricky in Mississippi. In wide open spaces, wind can cause an even greater risk. Watch out for high wind conditions when driving over overpasses, through tunnels, and in densely forested areas.

Our insurance professionals recommend the following tips: First, anticipate gusts by nothing areas prone to strong winds. Second, watch out for recreational vehicles and tractor-trailers, which are susceptible to high winds. When the wind picks up, these vehicles might have difficulty remaining in their lanes around turns and curves. Finally, keep both hands on the wheel to maneuver easily as needed during a windstorm.

Driving in Heavy Rain

Heavy downpours can occur with little warning. This can cause poor visibility and hydroplaning for unaware drivers. During hydroplaning, your vehicle’s tires scale across the water and don’t directly touch the road surface. This makes it difficult to steer and break. However, these tips can help you stay safe.

Slow down before a slow drizzle becomes a torrential downpour. Driving slowly can prevent hydroplaning, and oil accumulates on the highway, making conditions slick when it rains. Additionally, you can stay on top of the weather, planning trips around rainstorms whenever possible.

We also recommend turning your headlights on when it rains. This will help you see more clearly and make your vehicle more visible to other drivers. Finally, we recommend adding space between yourself and the car in front of you. Having an extra couple of seconds May help you prevent an accident.

Safe driving can help prevent accidents, and comprehensive auto insurance gives you the coverage needed to pay for damage in case of an unforeseen accident. Contact the team at Riverside Insurance Agency Inc. in Byram, MS, to schedule an appointment today!

Can You Get Insurance For Vacant Condo Units?

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Condo insurance is crucial for those owning a condominium unit in the Byram, MS, area. This coverage generally secures your belongings and the interior of your unit. A condo association or lender may necessitate it. But how does this change if your condo is vacant? How does this impact your capability to insure it?

Understanding Vacancy

In terms of insurance, a condominium unit is deemed vacant if it has been uninhabited for a minimum of 30 days. This can occur when you embark on a lengthy overseas vacation, can’t locate a new tenant, or decide to spend the summer in a cooler part of the country.

Insurance Factors

If your condo qualifies as vacant, informing your insurance agent about the unit’s status is vital. Otherwise, the existing policy may not remain valid. You’ll need to acquire insurance tailored for vacant condominiums. Once you have returned to the area or found a tenant, you can revert to your current policy.

Different coverage is needed for a vacant property because vacancy modifies the level of risk. If no one is residing in the property, plumbing or roof leaks may go unnoticed for longer periods, exacerbating the potential damage. In these situations, theft also becomes more probable.

If you require condo insurance, Riverside Insurance Agency Inc. offers policies that confidently cater to your needs. As an independent agency, we give clients the choice of procuring policies from numerous major insurers, meaning you only have to make one call. To get started, please get in touch with the Riverside Insurance Agency Inc. office in Byram, MS, by dialing 601-371-8355.

Will my commercial insurance cover the burst pipes in my place of business?

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Like most insurance, commercial insurance is designed to meet and suit a business’s specific needs and preferences. For most business owners, there are many moving parts when running their business. As a result, insurance can be a beneficial piece of the puzzle. More often than not, unexpected events and situations can wreak havoc on a business, especially if insurance isn’t a piece of the puzzle. The team at Riverside Insurance Agency Inc. understands the positive impact that commercial insurance has and is committed to helping Byram MS business owners get the coverage they need.

What is Commercial Insurance?

Commercial insurance is insurance designed for businesses. Specifically, commercial or business insurance protects businesses from loss and provides liability protection as well. Losses can include accidents, theft, fraud, natural disasters, and more. Business insurance can also protect employees. It is designed to provide businesses with financial, liability, and medical coverage. Your insurance policy is designed to meet the unique needs of your business. For example, if you drive cars for your business, your commercial insurance policy should include business auto insurance, not personal. If you use your car for business, you will need to invest in a commercial auto insurance policy in addition to your personal auto insurance.

Will my commercial insurance cover the burst pipes in my place of business?

Yes. Typically, commercial insurance provides coverage for repairing or replacing any damage your place of business, tools, machines, and vehicles may incur. However, if the damage results from negligence, the repair of the damage may not be covered. If you have questions about commercial insurance, call us. We’d be happy to answer all of your questions and help you explore your options.

Choosing the Right Home Insurance in Byram: Expert Advice from Riverside Insurance Agency Inc.

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Did you know that there are options for home insurance in Byram, MS? Many people simply go with what is first offered without having any knowledge about customizing a policy.

First, it’s essential to know that your home policy covers a few things:

  • The home
  • Other buildings on your property
  • Your personal belongings
  • Liability coverage
  • Loss of use

At Riverside Insurance Agency Inc., we’re here to ensure you’ve explored all of the coverage options and have a policy that’s built to your specifications and within your budget.

Explore the Coverage Options

There are a few ways to get coverage on your home. Consider whether you want coverage based on the actual cost of the home, the replacement cost, or an extended replacement cost. If your house were to be destroyed, the coverage could matter significantly.

Additionally, you’ll want to look at the values associated with liability, such as if someone gets hurt on your property or if someone in your household damages someone else’s property.

If you have many high-value items, you may also want to increase the coverage on your personal belongings.

Working with an agent can help you cover the various “what if” scenarios.

Look at Deductibles

The deductible on your insurance policy can vary. This is the out-of-pocket expense you pay before the insurance company covers the rest.

Having a smaller deductible can make it easier for you to file a claim, but it can also lead to higher premiums. This is why you’ll want to weigh the risks of what could happen and also get quotes with a few different deductibles. It allows you to make an intelligent choice about your policy.

Be sure that you have home insurance coverage in Byram, MS, that truly offers you peace of mind. Call Riverside Insurance Agency so that our expert agents can help you with the details.

Why Byram Renters Need Insurance: A Comprehensive Guide

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When you live in Byram, MS, it’s important to protect the home you live in. Whether it’s a house, condo, or apartment, you have to consider what kind of protection is in place. Particularly if you rent, assumptions could leave you in a difficult situation. The good news is that Riverside Insurance Agency Inc. can show you why renters insurance is a necessity.

Why Renters Insurance is a Must

Landlords have insurance on their property, which includes everything from single-family homes to large apartment complexes. However, their policies protect their interests, not yours.

If there’s a fire, their insurance covers the building. However, everything that belongs to you isn’t covered. The same is true about flooding and other disasters that could occur.

With a renters insurance policy in Byram, MS, you get the coverage you need for what belongs to you – furniture, artwork, and other valuables. You’d be covered against disasters outside of your control and break-ins.

If you can’t live in the rental while repairs are being made, your rental insurance policy may also cover a hotel, meals, and other expenses.

How to Get the Right Policy

There are lots of things to consider when you get a renters insurance policy:

  • The value of your belongings
  • The type of security in place
  • Type of rental you’re in
  • The zip code you’re in

Building a policy should be custom to you and your needs, which is why you should never blindly buy a policy on the internet. At Riverside Insurance Agency Inc., we have experienced agents who can guide you through the process, learn more about your rental, and ensure that the policy offers the utmost protection.

When you’re ready to shop for a rental policy, give us a call.

Navigating Mississippi Roads: A Comprehensive RV Insurance Guide for Byram Residents

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Choosing the perfect RV insurance policy can often seem like a Herculean task, which is precisely why Riverside Insurance Agency Inc. is here to simplify the process for Byram, MS residents. We strive to provide information that aligns you with the policies best suited for your needs. In an effort to impart wisdom about RV insurance and our role in assisting you, we’ve put together this comprehensive guide.

Navigating Garaging Addresses

Once upon a time, providing your home address was sufficient for insurance purposes. However, current trends have many RV owners providing multiple addresses to accommodate their various travels. Thus, it becomes vital to discuss your travel frequency and destinations when choosing a policy to ensure it aligns perfectly with your plans.

Understanding Toad Vehicles

In RV parlance, toad vehicles refer to automobiles towed along with the RV. Often overlooked during policy selection, it’s crucial to consider what would happen if an accident occurred while you are traveling. It’s essential to choose a policy that accounts for this possibility. A separate policy may occasionally be called for these vehicles to avoid footing astronomical damages.

What About Older RVs?

While newer RVs can be insured for full replacement value or something proximate, older RVs may not enjoy the same luxury. Owners usually go for a policy built around an agreed-upon value in such cases. Discussing them with an insurance provider becomes necessary to ensure you have complete clarity on your options.

If you are a Byram, MS resident looking for a top-tier RV insurance policy, we welcome you to contact Riverside Insurance Agency Inc. Our diligent team stands ready to answer your call and address your queries. Give us a call, or visit us to explore potential RV policies tailored to your specific needs.

What are common motorcycle insurance exclusions?

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Mississippi law requires motorcycle operators to prove they can meet the minimum property and bodily injury liability requirements. Having an appropriate insurance policy is the most common form of proof. However, violating specific exclusions stated in your policy may invalidate your policy, so it is crucial to understand your policy exclusions. If you live in or near Byram, MS, and want to under your policy exclusions or have other insurance questions, the Riverside Insurance Agency Inc. is here to help.

Common Motorcycle Insurance Exclusions

Every motorcycle insurance policy includes language that excludes or invalidates your coverage in certain situations. That means you will not be covered for accidents that occur when you do not operate your motorcycle safely or when using unsafe equipment because they increase the likelihood of causing an accident and its severity.

Each policy is different, so you should review your individual coverage, but standard exclusions include participating in an organized race or riding:

  • Recklessly or while intentionally damaging property
  • With the intent of hurting yourself or others
  • While committing a crime
  • Under the influence of alcohol or a controlled substance
  • While delivering products or transporting passengers for hire

Coverage is also invalidated when you lend your motorcycle to someone not named in your policy.

Every policy details these exclusions, so you should review them with your agent to ensure you understand each exclusion. In some cases, such as using your motorcycle to make deliveries, you can obtain a commercial vehicle policy that covers you in those situations.

Working With Riverside Insurance Agency Inc.

The Riverside Insurance Agency Inc. serves the Byram, MS, area. If you live nearby and need a motorcycle or other insurance, our friendly team is ready to help you. Please stop by or call us today at 601-371-8355.

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