Auto Insurance Coverage Options

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Auto insurance is not only one of the most common types of insurance to have but it is required in many states, including the great state of Texas. The insurance agents at the Jason Ridley Agency in Colleyville, TX have knowledge and experience with all types of insurance and understand the requirements under Texas law.

Liability Insurance

Under Texas law, all motorists are required to have at least an auto liability insurance policy that covers property damage and bodily injury. There is a minimum amount of liability insurance you must carry, along with underinsured and uninsured motorist coverage.

 Underinsured and Uninsured Motorist Coverage

You need to have underinsured and uninsured motorist coverage to protect yourself and your vehicle from a motorist that is driving illegally and does not have any type of insurance or does not have enough to cover the medical bills for injuries that you or your passenger has suffered after becoming involved in an accident with the uninsured or underinsured motorist. This also ensures your vehicle will be repaired or replaced if this type of incident occurs.

Comprehensive Coverage

This type of insurance coverage may be required by your lender if you borrowed the money to purchase your vehicle. It will pay for any damage to your auto if it is destroyed or damaged by some type of event, including a vandalism incident, a fire, or a natural disaster. It will also help replace your vehicle if it is stolen.

Collision Insurance

Collision insurance helps pay for repairs to your vehicle if you collide with another vehicle or an object.

To create the best policy for you and your vehicle, contact the trust auto insurance agents at the Jason Ridley Agency in Colleyville, TX for a quote today!

3 Questions to Ask About Your Commercial Insurance in Colleyville

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When you’re a business owner in Grapevine or Colleyville, TX, your days are already filled with questions. Questions from yourself, your vendors, your employees, your customers — big and little asks that need answers.

All of these everyday quandaries can be exhausting after a while, which is why so many people will just renew their business insurance without thinking about it, or choose based on the bottom line and nothing else. But this is a dangerous shortcut for a wide variety of reasons. Jason Ridley Agency wants you to examine the three questions you should ask before you dismiss it. 

Who Does My Insurance Cover?

From your employees to your customers, you need to know about the people who are under your company’s umbrella. If you’re injured in the stockroom when you’re going through inventory, do you know if you can file a claim?

What Doesn’t My Insurance Cover?

This is often more telling than what your insurance does cover. Once you know that an event isn’t covered, you can start to assess whether you’d rather spring for the additional protection. From major storms to theft to vandalism, it’s worth checking these things out. 

Who Are You Working With?

The carrier that you’re working with will have a lot to do with the relationship you have with your insurance policy. If you’re asking these questions to the right people, you get the answers you need plus much more. 

Jason Ridley Agency is here to help the business owners of Colleyville, TX really understand what they’re signing up for. Before you think of insurance as just another thing you need to stay legal, give us a call. We can help you see where the holes in your commercial insurance are, so you can feel confident about the future. 

Do I Have to Have Homeowners Insurance?

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While homeowners insurance is not a legal requirement in the United States, it can be and is likely to be mandated by the lender if you have a mortgage because this helps protect their investment. Generally speaking, before even funding your mortgage or refinance application, the lender will request proof of homeowners insurance. If you choose not to purchase insurance and have a mortgage, the Consumer Financial Protection Bureau allows the lender to purchase it on your behalf and charge you for the cost, which may result in a policy that is more expensive and/or offers less coverage than you need. For folks that have either paid off their mortgage or paid cash for their homes while you are not technically required to have insurance, your house is likely to be your largest investment, and a homeowner’s insurance policy will protect it in a multitude of ways. 

Typically speaking, a homeowner’s insurance policy will provide coverage for your home. Still, also it offers protection for your personal belongings, any other dwellings on the land like a shed, and medical bills if a visitor is injured while on your property or inside your home. Keep in mind that for each of the coverages you have, you will also select a limit, which means anything beyond that dollar amount is your responsibility. Hence, the more coverage you have, the less likely it is that you’ll be responsible for any out of pocket costs once your deductible has been met. 

At the Jason Ridley Agency in Colleyville, TX, our friendly team of insurance professionals are ready to find you the perfect homeowner’s policy for your needs, so give us a call today to schedule a no-obligation consultation and see how we can assist in protecting your home.

Do You Need A Life Insurance Policy?

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That is a question that many of us ask ourselves, and the answer is yes, we should all obtain a policy for the security and peace of mind it provides.

Life insurance is vital for several reasons. If you, unfortunately, die suddenly and are the main breadwinner of your family, you want to ensure that your family will be provided for and will still be able to pay all of the bills when you are gone. Many of us may have a policy through our employer. Still, normally the amount of money it provides will only be enough for our funeral and burial expenses, leaving our loved ones with no income from us to help pay the usual monthly bills.

Reasons to Secure a Life Insurance Policy

A life insurance policy can provide for your family after you are gone from this earth, and it can also, depending on the amount of the policy, allow them to pay off significant amounts of debts. In many cases, your family will be able to pay off the mortgage and not have that payment to worry about in the future, and it can help provide for older children to attend college.

A life insurance policy will also provide money for your children to purchase a home or start a business if you die unexpectedly.

Certain policies will allow you to borrow money throughout your lifetime from your life insurance policy, which means you can pay off debt before you die, leaving your family in a better financial situation. This provides you with the peace of mind you want and deserve.

Do you need a life insurance policy? If the answer is yes, contact the trusted and experienced life insurance agents at the Jason Ridley Agency in Colleyville, TX today!

Is Auto Insurance Required in Texas?

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If you own a car in Colleyville, TX, you’re required to have auto insurance. Liability coverage is a must in Texas to protect other drivers in accidents you cause. At Jason Ridley Agency, we can help you make wise auto insurance choices to protect you and your family on the road. Here’s what you should know about Texas auto insurance coverage.

Liability is Mandatory

If you cause an auto accident resulting in injury or property damage to another driver, you’ll be held liable for his medical or property damage costs. Depending on the severity of the accident, this could amount to tens of thousands of dollars or more. Liability insurance helps cover these expenses to spare you from financial loss. Texas only requires minimum liability coverage. We recommend you purchase ample liability insurance to protect you against significant auto accidents you may cause.

Optional Auto Coverage

As a Texas driver, you have the option of purchasing additional auto insurance to protect your car. This coverage is in the form of collision, comprehensive, uninsured motorist (UM), and roadside assistance.

  • Collision insurance covers damage to your vehicle caused by collision, whether you crash into another car, a light post, fence, tree, or wall.
  • Comprehensive insurance compensates you for your vehicle’s market value if someone steals your car. It also covers repairs to your vehicle if it’s damaged by non-collision causes (hail, falling object, vandalism, etc.)
  • UM insurance protects you from hit and run drivers and drivers who aren’t carrying insurance coverage.
  • Roadside assistance covers minor repairs and towing costs to a repair shop if your car stops working at some point in your travels.

The right auto insurance will protect your interests at home and on the road. To purchase the auto coverage you need in Colleyville, TX, contact Jason Ridley Agency today.

Commercial Insurance Add Ons For Any Building

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Your place of business represents an incredible investment of time, money, and resources. Due to this, it is crucial for you to protect your place of business with the right commercial insurance policies. This includes protecting the building your company is in. However, there are all kinds of commercial insurance add ons for the building that you need to consider. When running a business in or around Colleyville, TX, our team here at Jason Ridley Agency wants to help you protect every corner of your commercial facility. 

Window Protection

Does your facility have a large number of windows? Perhaps you run a restaurant with big windows right alongside a busy street. You’ll want to protect these windows with additional insurance coverage. 

Flooding Insurance

Just like your home, you’ll want to protect your commercial property from flooding and other kinds of storms. Flooding can be extremely devastating to a business, as it may not just cause damage to your property, but to the equipment and goods within the facility as well. With flood insurance, you’ll protect your business from this. 

Protection From Vandalism

Your windows can be covered from vandalism, but if your building is tagged, you’ll want to remove the spray paint. This can be difficult and even expensive. With the right commercial insurance protection, you will not be forced to pay for all the repairs out of pocket.

It doesn’t matter what kind of business you run. You need to protect it. As every commercial facility is a bit different, your needs will not be the same as the business across the street. That is why, if you run a business around Colleyville, TX, you will want to give our staff here at Jason Ridley Agency a call. We’ll help connect you to the insurance coverage for your specific commercial property. 

3 Ways to Protect Your Home From Vandalism

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In Colleyville, TX, the agents of Jason Ridley Agency are often asked how clients can better protect their homes from vandalism and theft. The agents are well-versed in a variety of ways for homeowners to protect their property. Being proactive and knowing what is effective when it comes to keeping vandals and burglars at bay is an excellent place to start.

Add an Outdoor Security Light

Outdoor security lights can be installed to stay on from dusk to dawn or to come on when motion is detected. Either way, it shines the spotlight on intruders and makes it, so there is no place for them to hide.

Install a Home Security System

Installing a home security system with video surveillance cameras is a great way to catch intruders in the act. Not only will you have a visual image, but your local authorities can also be notified of an added layer of security. You can monitor the system on your own, or you can hire a professional monitoring service.

Install a Privacy Fence

Installing a privacy fence makes it difficult for intruders to gain access to the back portion of your property. This forces them to try and gain entry from the front where they will be more visible and at a higher risk of being caught in the act.

The agents of Jason Ridley Agency are always looking for ways to keep their clients’ homes safe from vandals. If you are a resident of Colleyville, TX, and would like to learn more about how you can keep your home secure and protected against vandalism, speak with an agent today!