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Why Comprehensive Boat Insurance Is the Smart Choice

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At Hermes Insurance Solutions, we’re proud to serve the local Sanger, TX community. If you’re planning to purchase a boat, or it’s been a while since you’ve thoroughly reviewed your current policy, we’re here to help. Our team is here to help you find the right policy to meet all of your boat insurance needs. 

Benefits of Comprehensive Boat Insurance

Boat insurance needs to provide a lot of different types of protection. Of course, you want to protect your craft but also your passengers. And then there are options like coverage for at-sea towing. This is just one reason why many boat owners opt for comprehensive policies. Let’s review a few of the many benefits:

  • Robust Liability Protection – boats are a lot of fun, but they also require a lot of responsibility. If you’re involved in an accident that causes injury, you’ll want to have an adequate amount of liability protection in place. 
  • Full Coverage for Property Damage – property damage can happen, either to your boat or someone else’s boat or property. The right level of coverage for property damage can protect you from personal financial responsibility.
  • Additional Features – if you haul your boat to and from the marina or store it in a dry dock in the off-season you’ll want to ensure that the policy you choose offers protection at those times. There are also repair and towing features that are available through some insurance carriers.

We’re The Team To Call!

If you’re a boat owner in the greater Sanger, TX area, you can count on Hermes Insurance Solutions for all of your boat insurance needs. Give us a call today or stop by the office to learn more about the comprehensive policy options that are currently available.

How Umbrella Insurance Protects You

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When you want the best insurance protection possible but you don’t want to spend too much to get it, umbrella insurance is a good choice. It offers a high level of protection right where you need it and doesn’t come with a high price tag. If you already have an auto policy and a home policy, you can add to the coverage by getting an umbrella policy.

To find out more about these, you can call us at Hermes Insurance Solutions in Sanger, TX to learn more and get started. 

More Liability Coverage

There are different types of coverage, and one of them is for liability. This pays for another party’s medical and certain other bills after an accident. Some accidents happen in the home. However, many home insurance policies don’t have much liability coverage in them. This can lead to an accident being too expensive for your home insurance to cover. When this happens, you will be responsible for everything the policy doesn’t cover. The same is true for car accidents and your auto insurance. Liability coverage may not be very high, and umbrella insurance can help. This type of insurance adds to both your auto and home insurance so that each has far more coverage for liability. 

A Worthy Investment

Umbrella insurance is an inexpensive type of insurance policy, but the maximum payouts are huge. You get a lot of coverage for the price, and this can leave you much better protected financially. It costs much less than if you added directly to both your home and auto policies. With the amount of coverage and the savings it provides, it’s easy to see why so many people get this insurance. 

Get Umbrella Coverage

When you’re interested in this type of insurance, call us at Hermes Insurance Solutions in Sanger, TX. We will be happy to assist you with all your coverage needs. 

Are Classic And Vintage Cars Insured Differently?

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Yes. Classic and antique cars’ value increase over time. Ordinary cars don’t. A thing with historical value or limited production is considered valuable and should be insured. Here is more information from Hermes Insurance Solutions serving the greater Sanger, TX community.

Why Classic Cars Are Different

Age has the most to do with it, but classic cars are stored in temperature-controlled environments for a reason. Moisture damages pretty much everything.

Your classic car is only used for local car shows, and you only drive it on the weekends. You must move the tires and run the car to keep it viable. There isn’t a speck of rust on her. 

These circumstances make the car special, and it will be insured as such. Here is more about the difference between classic and regular car insurance.

Why Classic Cars Are Insured Differently

1. Something in daily use can become damaged. Driving your modern car daily puts it at risk of a crunch-up. Additionally, modern car parts wear out quickly. 

Classic cars: alternatively, driving a classic car on the weekends or to car shows doesn’t wear out the gears or major parts as fast.

2. Everyone drives their car at speed. We expect it, and we drive accordingly (either defensively or damn the torpedoes, full speed ahead.)

Classic cars: the classic car is important to us, so we drive carefully and defensively (the parts to repair a crunch-up are harder to find.)

3. When a modern car is totaled, the insurance company gives you its worth at that time.

Classic cars: classic vehicles appreciate in value. The company will pay you the agreed price you both set when you begin the policy.

We Are Here To Help!

Hermes Insurance Solutions in Sanger, TX wants your classic car to be well protected. The right insurance is a large part of that, so drop by the office or give us a call to learn more about it.

The Importance of Recreational Insurance for Outdoor Activities

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Outdoor activities are a great way to connect with nature in Sanger, TX and remove yourself from the stress of your everyday life. With adventure comes risk, and you should be prepared for anything life throws your way.

The Risk of the Outdoors

Many people don’t realize they can get recreational insurance for their favorite activities, like skiing, hunting, camping, or hiking. The truth is that while these things are relaxing, they can be dangerous. Coverage for recreational activities will help protect you from potential financial losses due to accidents, injuries, and liability.

Dealing with Medical Bills

The words ‘accident’ and ‘injury’ are often closely associated. If something goes wrong while hiking through the woods and you hurt yourself, you’ll probably face a medical bill at the end of the ordeal. With the right recreational insurance plan, things such as hospitalization and ambulance services might be covered, meaning you’ll never have to face the agonizing decision of money or treatment.

The Importance of Liability Coverage

Additionally, you want liability coverage. What happens if you crash into someone while you’re skiing? Who pays their bills when they’re carried down the slopes by medics? The answer is you, which is why you need a plan that covers legal fees and damages.

Protect Your Investments

Consider insuring your equipment. What happens if that kayak you just invested in gets damaged in the water or someone steals your expensive mountain bike? A plan that covers these losses will protect your investment. 

Expert Advice and Guidance with Hermes Insurance Solutions 

Trust Hermes Insurance Solutions in Sanger, TX for all your recreational insurance needs. We know how important your favorite outdoor activities are to you and will help you find the plan that supports your lifestyle.

My landlord already has insurance. Why do I need renters insurance as well?

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Renters insurance is an important part of protecting yourself and your belongings from potential losses related to renting here in the Sanger, TX area. Even if your landlord already has insurance, it likely does not cover your personal property or liability in case of an accident or disaster, such as a fire. That’s where renters insurance from Hermes Insurance Solutions comes in.

Why Renters Insurance?

Renters insurance can help protect you financially against loss due to theft, water damage, fires, and other disasters that can occur while you are renting. It also offers coverage for medical bills if someone is injured on the property, as well as liability protection to cover legal costs should you be found responsible for any damages caused by you or members of your household. 

In addition to all the necessary financial protection it provides, renters insurance is generally very affordable. By paying just a few dollars a month, you can get peace of mind knowing that in the event that something goes wrong while renting a property, you have some coverage against those losses. 

No matter what type of rental property you are living in, having renters insurance can help ensure that you and your belongings are protected from any potential risks associated with renting. So even though your landlord may already have insurance, it’s important for renters to get their own policy for additional protection.

Reach Out To Us

If you have any additional questions or want to review to make sure that you are adequately covered, give us at Hermes Insurance Solutions a call today. We are proud to serve the Sanger, TX area and would be happy to help you find a policy that meets your needs and your budget.

What Does Motorhome Insurance Cover?

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While some people only use their motorhomes during the camping season, many others live in their motor homes full time or travel a lot throughout the year. No matter how much time you spend in your motorhome, you should definitely ensure that you have an adequate amount of insurance coverage in place to protect the investment you have made in your beautiful home away from home.

There is an array of different types of motorhome coverage options you can choose from and the agents at Hermes Insurance Solutions serving the Sanger, TX area are ready to assist you with all of your motorhome insurance needs.

Required Motorhome Insurance

If you own a motorhome in the state of Texas, you are required to have at least liability insurance in place. Liability insurance will help cover any damages or injuries that result from an accident that you are involved in with your motorhome.

Uninsured and Underinsured Motorist Insurance

While uninsured and underinsured motorist coverage is not required by the state of Texas, it is good coverage to have in place. This will help protect you and the investment you made in your motorhome if you become involved in an accident with a driver who does not have an adequate amount of auto insurance available.

Comprehensive Insurance Coverage

Comprehensive motorhome insurance coverage is very important since your motorhome is like a second home to you. This type of insurance will help you with any damages that occur from a natural disaster, an act of vandalism, or a fire. This type of insurance coverage will also assist you in replacing your motorhome if it is stolen.

Collision Insurance

If you have a collision with some sort of object, such as a telephone pole or guardrail, or if you collide with another vehicle, collision insurance coverage will assist you in paying for any damages.

If you owe money to a lender for your motorhome, you are more than likely required to have both collision and comprehensive insurance coverage already in place.

Reach Out To Us

Call today to receive a quote for motorhome insurance coverage from the experienced motorhome insurance agents at Hermes Insurance Solutions serving the Sanger, TX area!

Don’t Risk a Disaster: Insure Your RV

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You have your dream RV and are ready to explore the open road. But wait, have you considered all the ways to protect yourself from disasters?  Did you know that if your RV has more than four wheels, you may not be covered by your car’s accident insurance? Even if you have a separate accident policy for your RV, there are more ways to protect yourself and your family. 

Hermes Insurance Solutions, serving the greater Sanger, TX community, is here to assist. 

Understanding Coverage Options For Your RV

Nobody wants the surprise of getting hit with crippling bills because they thought their homeowner’s liability insurance covered them. If someone hurts themselves while in your RV, even if it is parked, you could be liable for their medical bills. 

You can discuss how much liability insurance would suit you with any of the agents at Hermes Insurance Solutions. Travel or vacation liability insurance is a great way to cover any injuries you or your guests may incur while on a campsite or while traveling. 

If you have valuables in your RV that you can’t afford to replace, think about getting additional coverage for your RV. Usually, your homeowner’s insurance will only cover 10% of losses outside your permanent home. So having full coverage for your RV can help you avoid heartache if you get robbed. 

You can discuss your needs with any of our friendly insurance agents at Hermes Insurance Solutions in Sanger TX. For example, you can get coverage for satellite dishes, repair equipment, and all your personal belongings. 

If you make your RV your permanent home, it is well worth getting what is called "full-timers insurance." This can cover you for 3rd-party liability and give you peace of mind.

Contact Us Today

Whatever your needs are, call Hermes Insurance Solutions in Sanger, TX, and we will find the right coverage for you. 
 

Safe boating tips

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Hermes Insurance Solutions has been serving the Sanger, TX area boatowners with all their insurance needs. We often come across common concerns pertaining to being safe when out on the watercraft. When you’re out on the water, safety is of the utmost importance.

Whether you’re fishing or sailing, it’s important to follow these simple tips for safe boating:

First and foremost, always wear a life jacket when you’re out on the water. This is especially true if there are children onboard. Many accidents occur because people didn’t have their life jackets on when they needed them most, so make sure everyone has their life jackets fastened securely at all times.

Another important tip is to check the weather before you head out. Stormy conditions can be dangerous while out on the water, so it’s important to avoid these conditions whenever possible by keeping an eye on the forecast and avoiding boating during bad weather.

No matter what kind of boating activity you’re engaging in, it’s essential to have the right safety gear on your boat.

Along with life jackets, there are a few other items that should be onboard for emergency situations.

First, having a communication device is essential. Having a VHF (Very High Frequency) marine radio or an EPIRB (Emergency Position Indicating Radio Beacon) can help you stay in contact with the Coast Guard or call for help if needed. It’s also important to check the batteries and signal range before each use to ensure everything is working properly.

Finally, another important item that should always be kept on board is a throwable floatation device like a life ring or cushion. This can be used not only for people who may fall overboard but also for someone in need of assistance coming up alongside your boat– helping them climb aboard safely and securely.

Make Sure to Carry Boat Insurance

Following these simple tips will help keep you safe when boating this summer! For more tips and to get coverage for your watercraft, call Hermes Insurance Solutions. We proudly serve the Sanger, TX area.

Do I need umbrella insurance?

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Most people think that if they have insurance, they are fully protected from any legal problems that might arise. However, what many people don’t know is that there are different types of insurance policies, and each one has its own specific purpose.

One such policy is called umbrella insurance, and it can provide extra protection in the event that something goes wrong. Hermes Insurance Solutions in Sanger, TX can provide you with a guide on what umbrella insurance is, what it covers, who needs it, how much it costs, and when is the best time to buy this type of policy.

Umbrella Insurance: What You Need To Know

Umbrella insurance is a type of insurance that provides extra protection in the event that you are involved in an accident or lawsuit. It can provide coverage for things like medical bills, legal fees, property damage, and more.

It is particularly useful for those who have significant assets, such as high net-worth individuals or families with young children. The cost of an umbrella insurance policy will vary depending on a number of factors, including the amount of coverage you need and your overall risk profile.

If you are concerned about protecting yourself from potential legal issues, it is a good idea to speak to a qualified insurance agent about your options. They can help you determine whether or not umbrella insurance is right for you, and they can also help you find the best policy at a price that fits into your budget.

Contact Us Today

If you have any questions about umbrella insurance and whether it might be a good idea for you to have a policy, give Hermes Insurance Solutions a call today. We proudly serve the Sanger, TX area. 

Classic Car Insurance: 5 Frequently Asked Questions

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Much like your ride, classic car insurance never goes out of style.

Serving the greater Sanger, TX community, our experienced agents at Hermes Insurance Solutions can build you a customized insurance policy from the ground up. To help determine what coverage is best for you,  here we answer five common questions about classic car insurance.

FAQs

What is classic car insurance?

Classic cars are special. Your insurance should be too. Classic car insurance is crafted specifically for owners of vintage vehicles. These policies will share some similarities with traditional auto insurance. However, there are much greater options and specialization.

How is classic car insurance unique?

Classic car insurance differs from standard auto policies by using a principle called "agreed value coverage." When purchasing insurance, your car’s monetary value is decided by you and your agent. This is usually set by a professional appraisal.

What types of vehicles are protected?

Classic car insurance is usually divided into three categories: exotic, antique, and custom. These distinctions are mostly influenced by a vehicle’s age. Modified and custom vehicles are the trickiest. That’s because these changes can both add or detract from its value.

What cars are eligible?

Your ride must meet certain qualifications. First, your car must fit into one of the previously-mentioned groups. But there are restrictions based on use too. Classic car insurance only applies if it isn’t your primary vehicle. You must have another car for daily use.

How much does classic car insurance cost?

Rates are determined by a car’s make, model, and total mileage. However, classic car insurance is typically less expensive than traditional auto insurance. 

Get The Right Coverage For Your Vintage Vehicle Today

Luckily, Hermes Insurance Solutions in Sanger, TX serves up more than just answers. Their team can craft a classic car insurance policy that’s perfect for you and your vintage ride. Schedule an appointment today.

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