How Do You Make Sure Your Customized Motorcycle is Properly Covered?

Here at Collum Insurance Group LLC in Richardson, TX, we know that good communication helps ensure that you’re properly covered.

Let Us Know About Your Motorcycle Customizations

Communication is especially important with customized motorcycles, where the value may not correspond to the standard value assumed by insurance professionals for that make, model, and year. You may also encounter specific requirements when obtaining a title for or registering the motorcycle in Texas, depending on the extent of the customizations.

Once it’s more your creation than the manufacturer’s, legal requirements may change considerably. We encourage you to let us know about enhancements to the stock equipment on your motorcycle, and if you’re doing a lot of custom work, let’s talk about planning the right coverage.

Make Sure the Documentation is Right

The insurance companies we work with have specific requirements for documenting customizations and other changes that affect the value of your insured motorcycle. It’s important to make sure you’re meeting those requirements ahead of time, so that any claims go smoothly. Keeping records or photographs for your own use needs to be complemented by talking with us to establish the right coverage for your enhancements.

If You Need to Make a Claim

How do insurance companies handle a total loss of a custom motorcycle or damage to custom parts and equipment? At Collum Insurance Group LLC in Richardson, TX, we can help you get the right coverage for custom parts and accessories. We know you’re proud of your ride, and hopefully, you’ll enjoy it without incident.

By insuring with us and letting us know about your unique motorcycle insurance needs, we can help you enjoy your time on the road with fewer worries about damage. Call our insurance team today!

Why do you need to have boat insurance in Texas?

In the Richardson, TX area, the warm weather that exists for much of the year will make someone want to find a way to beat the heat. A great way that you can cool off and have fun this summer is by investing in your own boat. Along with a boat purchase, you also need to carefully evaluate all of your boat insurance options.

You will need this coverage for various reasons. 

Financial Support

An important reason for you to have a boat insurance plan is so you can receive helpful financial support. If you have a boat, you will want your investment in it to be protected, and boat insurance is the best way to do this. With the right boat insurance policy, you will have support to replace or repair your boat if it is stolen or damaged. Further, you will have financial protection if you are found to be at fault in an accident, which could come with hefty liability costs. 

Insurance Often Required

It would also be helpful to have boat insurance because it could be required. If you are going to use a boat on certain lakes or in some marinas, you could be required to have insurance. Further, any lender that provides loans to buy boats will want you to have an insurance policy to help cover and protect their loan collateral.

Give Us A Call

Choosing boat insurance is very important for anyone in the Richardson, TX area. When you are shopping for a new plan for your boat, it would be helpful to call Collum Insurance Group LLC. There are a lot of choices to make when looking for coverage, and Collum Insurance Group LLC can offer any support you need to build a plan. 

Tips to care for your motorhome

Collum Insurance Group LLC, serving the greater Richardson, TX community, is here to assist with all your insurance needs, including coverage for your motorhome. If you own a motorhome, then you know how important it is to properly care for your vehicle so that it can provide you with many years of safe and reliable use.

Below are some tips on how to best take care of your motorhome:

1. Clean and wax the exterior on a regular basis.

Washing your motorhome will help remove dirt and debris from the body, and cleaning and waxing regularly will help protect the paint from rust or chipping. Depending on the climate in which you live, you may need to do this more or less frequently – for example, if you live in an area with snow and salt during winter months, then more frequent waxing may be needed to prevent rust buildup on the body.

2. Inspect the interior on a regular basis.

It is important to check over the interior of your motorhome regularly to catch any issues with wear or damage as soon as possible. This can be done by checking things like the condition of furniture, mattress, and curtains; inspecting body panels and trim for dents, scratches, or other signs of damage; and looking under seats and in storage areas to make sure there are no pests or rodents nesting inside.

3. Monitor the engine on a regular basis.

One key component of taking care of your motorhome is making sure that the engine is functioning correctly at all times. You may need to bring it in for routine maintenance checks every few months, depending on how often you use it and how many miles you drive each year.

Get Motorhome Insurance Today

If you have any questions about how to care for your motorhome, give Collum Insurance Group LLC a call today. We proudly serve the Richardson, TX area. 

What Does RV Insurance Cover in Texas?

RVs are a type of recreational vehicle that is often described as "campers on steroids." Today’s RVs are typically much larger and more spacious than cars, making them great for long-term travel or hosting large gatherings. Texas RVers use RVs for camping, fishing, adventuring, or even just hanging out in their backyards. RVs come in all shapes and sizes, so it’s important to do your research before making an RV insurance purchase.

We at Collin Insurance can provide you with comprehensive RV insurance coverage options that meet your needs.

What Does RV Insurance Typically Cover?

When you purchase RV insurance in Texas, you’re typically covered for things like damage to your RV or theft.

Coverage can also include compressive or collision coverage that helps RV owners mitigate losses that occur while their RV is in transit, or when it’s towed or driven away without authorization.

Additionally, many policies provide protection against natural disasters that might affect your home on wheels.

How Much Does RV Insurance Cost?

The cost of RV insurance will vary based on several factors including the RV class, size, and type of RV. Full-timers who live in their RV year-round may have additional coverage requirements in the State of Texas.

An experienced insurance agent at Collum Insurance Group LLC in Richardson, TX can advise full-time RVers and RV camping enthusiasts about the best rates and RV coverage for Class A, B, and C recreational vehicles.

Find The Best RV Insurance in Texas

Collum Insurance Group specializes in offering the best RV coverage and RV insurance rates in Richardson, TX.

Contact our team to learn about the best insurance coverage options for campers, RVs, and pull-behind trailers in Texas.

Don’t skimp on liability protection when choosing a motorcycle policy

Collum Insurance Group LLC is proud to serve the insurance needs of motorcycle owners in the greater Richardson, TX area. If you have questions about which policy is right for your needs, we are here to help. Give us a call or come by our office to find out more about the motorcycle policy options that are available in our area.

Why liability protection is so important for motorcycle owners

When it comes to motorized vehicles, motorcycles are among the most dangerous. This doesn’t mean that they don’t also provide a lot of enjoyment and aren’t a good means of transportation. However, it is a reality that needs to be considered when selecting a motorcycle insurance policy.

Liability protection is very important for motorcycle owners. It’s important to find a policy that provides adequate collision, medical expense, and liability protection. All of these three factors can help you protect yourself and your financial health in the event of an accident. 

If you are involved in an accident, you may be held liable for property loss or damage as well as any injuries that may occur as a result of the accident. When you have adequate protection, you will be able to shield yourself from financial loss. Find out more today about this important insurance type. 

Let’s talk about motorcycle insurance today!

If you live in the Richardson, TX area and own a motorcycle, you may have questions about insurance. Our team of insurance experts at Collum Insurance Group LLC is here to help answer them. We can help you find the right policy for your needs and ensure that you have the coverage you want. Contact our office today and learn more about the different motorcycle policies that are available in our area. 

How to Maintain Your Boat: 3 Easy Tips

If you’re one of the many people who own a boat, you know that they require quite a bit of upkeep. Luckily, maintaining your boat doesn’t have to be a difficult task. With a little effort and the right supplies, you can keep your boat in excellent condition all season long. Consult with Collum Insurance Group LLC  in Richardson, TX for expert insurance advice, including boat coverage. 

Here are three easy tips to help maintain your vessel:

Tip #1: Cleaning Your Boat

Assuming you have a small boat, you can clean it by taking it out of the water and scrubbing the hull with a brush. You can also use a hose to spray down the inside and outside of the boat. Be sure to clean the engine and all of the nooks and crannies!

Tip #2: Checking and Servicing Your Boat’s Engine

Assuming you have a gasoline engine, step one is to check the oil level. Remove the dipstick, wipe it clean with the engine, and cool. Reinsert the dipstick and remove it again to check the oil level. The oil should be between the two marks on the dipstick. If it’s low, add oil until it reaches the full mark.

Next, check the coolant level. Remove the radiator cap and look at the coolant level with the engine off and cool. It should be at or near the top of the radiator. If it’s low, add a 50/50 mix of water and coolant until it reaches the proper level.

Tip #3: Treat The Floor and Upholstery of Your Boat Regularly

To clean the floor and upholstery of your boat, you will need to vacuum and shampoo the area. You may also need to scrub the floor with a brush to remove any dirt or stains. Use an upholstery conditioner and protector to seal it against wear and tear.

Get Boat Insurance Today

Collum Insurance Group LLC is a Richardson, TX company specializing in different insurance coverages, including boat insurance. We offer a variety of coverage options to meet your needs and budget. Give us a call today to get a quote.

Protect your company from liability exposure with an umbrella policy

Collum Insurance Group LLC is proud to work with the greater Richardson, TX area business community. We strive to provide our clients with the information they need to make informed decisions when it comes to commercial insurance. Now is a great time for you to get to know us!

Benefits of umbrella insurance for your company

The main benefit of umbrella insurance is that it protects your company from liability exposure. This is an incredibly important insurance type to carry, especially if your firm operates in an industry that is highly litigious. 

With an umbrella policy, you will enjoy excess protection in the event that your primary commercial policy is maxed out. For example, if you are responsible for financial damages and the amount exceeds that provided by your primary policy, the umbrella policy will come into play. 

This type of protection provides liability protection that can help both the company itself as well as its principals. There are a number of different corporate structures that allow claimants to go after the owners of a firm if they do not have sufficient insurance protection.

When you have the foresight to have a commercial umbrella insurance policy in place, the assets of the company will be protected. And, depending on how the business is structured, principals can be protected too. 

It’s time for your company to have umbrella protection

Richardson, TX area business owners and operators turn to Collum Insurance Group LLC for their commercial insurance needs. If your growing company needs more liability protection, it’s time to consider an umbrella insurance policy. Schedule an appointment with us today and learn more about the umbrella insurance policy options that are available in our area. We look forward to working with you!

Tips for Preventing Flood Damage

One of the scariest things about living in a flood-prone area is the knowledge that a sudden downpour or storm could cause devastating damage. Collum Insurance Group LLC in Richardson, TX  is here to navigate you through the flood insurance coverage. While equipping yourself with flood insurance, you can also take some steps to better protect your belongings.

Here are some essential tips to prevent and prepare for flood damage:

Flood Protection Devices

Flood damage occurs when a sudden heavy downpour causes water to damage your home, possessions, and everything you’ve worked for. Flood protection devices in your basement can prevent this damage. Some flood prevention devices include:

– Flood protection walls

– Rainwater tanks

– Basement watertight doors

Raise Electrical Systems and Appliances

You can prevent flood damage by increasing the height of electrical system parts, such as switches and sockets. Your appliances and electronics are also at risk. Check them to ensure they are safe above the level of a flood surge by placing them on high furniture or surface cabinets.

Keep Drainage Elements Clean

Gutters, splash pads, and downspouts should be cleaned regularly. Also, keep storm drains and ditches clear of debris. If you can, do a clean-up before a heavy storm. Also, use flood barrier devices such as sandbags or flood gates ahead of time.

Get Flood Insurance

When a storm hits, it’s essential to be prepared. This means knowing what to do if your home floods and keeping your family safe. Follow these three steps, and you’ll be well on preventing flood damage.

Floods in Texas are nothing new, but that doesn’t mean you’re on your own when one hits. With flood insurance from Collum Insurance Group LLC in Richardson, TX, you can get the protection you need to help protect your home and your finances. Contact us today to learn more about how you can get a quote on the coverage you need.

What Is Agreed Value Classic Car Insurance?

The classic car culture is quite robust in Richardson, TX. If you are looking to buy classic car insurance for the first time, you might have come across the term “agreed value classic car insurance,” and you wonder what it means. Collum Insurance Group LLC provides this guide in navigating agreed classic car insurance.

What Is Agreed Value Classic Vehicle Insurance?

Agreed value classic vehicle insurance is a type of classic car insurance whereby you and the insurer agree on the maximum payout to be made upon you make a claim. This agreement between you and the insurer is made when you purchase your classic car insurance, making your coverage an agreed value classic car insurance. Therefore, the maximum payout will be the agreed value after an accident.

When Do You Need Agreed Value Classic Car Insurance?

At Collum Insurance Group LLC, we advise our clients to pick agreed value insurance if;

  • Pricing: The classic car doesn’t have a standard blue book, or the value in the blue book isn’t representative of the vehicle’s current market value since classic cars tend to appreciate the older they get.
  • Repairs: After an accident, fixing a classic vehicle usually requires a specialized mechanic to return the car to its original vehicle. This is typically a costly repair that standard classic car insurance policies rarely cover.

How Can You Keep Your Agreed Value Classic Car Insurance Rates Low?

  • Minimize mileage: Most classic car insurers will offer you better rates on your agreed value policy if you accept to drive fewer miles
  • Minimal usage: You can expect discounts on your agreed value policy if you agree only to drive your classic vehicle for pleasure
  • Secure storage: Your insurer will offer you discounts on your agreed value policy if you promise to store your car in a locked garage and not in the driveway. 

Contact Collum Insurance Group LLC for unbeatable classic car insurance deals in Richardson, TX.

How Can I Save On My Renters Insurance Policy?

When shopping for a renters insurance policy, read the fine print and talk to a licensed agent to ensure the policy meets your needs. Many policies have a cancellation window, so you can get a prorated refund if you have to cancel due to an unforeseen circumstance. 

Make sure to keep all your receipts, document the value of your belongings, and purchase insurance from a reputable company. Renters insurance is a crucial requirement if you rent, but it doesn’t have to cost a fortune. Shop for the best rate, and consider increasing your coverage to protect more of your assets. For expert advice, Collum Insurance Group LLC in Richardson, TX is here to help. 

Add a Safety Deposit 

By adding a renters insurance policy to your existing homeowner’s policy, you can protect your personal belongings if they’re ever stolen, damaged, or destroyed due to a covered risk. If something is ever stolen or destroyed, you need proof it was a valuable item. 

Also, get a rider to your policy if you have expensive valuables, such as expensive artwork, jewelry, or sports equipment. Many policies will provide a discount or waive the pet fee. 

An important rule to remember when purchasing a renters insurance policy is that you can’t add it to your current policy. You must have separate insurance coverage for renters. 

Contact Us Today

A renter’s insurance policy is an excellent way to protect your belongings in a disaster or theft. You may get cover for securing your valuables in a safety deposit box, and you can take steps to protect your valuables from disaster. 

You can also talk with your insurance provider about adding a rider for valuables, such as precious metals or antiques, to your policy to get enhanced coverage. 

Consider getting coverage for certain types of art and other collectibles up to a certain value. You may also want to consider getting a floater policy that provides additional coverage for your valuables. Give us a call and let Collum Insurance Group LLC serving the greater Richardson, TX community help you.