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Riverside Insurance Agency, Inc.

5606 I-55 S
Byram, MS 39272

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Riverside Insurance Agency, Inc. Blog

What types of risks does umbrella insurance protect against?

Liability risk is something that all people in the Byram, MS area will need to take seriously. Even if you are careful, there is always a chance that you could be held liable for accident damages or other liability costs. One of the ways that you can mitigate this risk and concern is by getting an umbrella insurance policy.

This coverage is often ideal as it offers protection against various risks: 

Risk of Major Claim

One type of risk that you will receive protection against is the risk of being named as liable for a significant claim. If you have liability insurance in your home or auto insurance plans, the coverage will always have some type of cap to it. Due to this, there is a chance that a significant accident could cause liability damage that exceeds your current policy. An umbrella insurance plan will provide coverage on top of that plan. 

Less Predictable Risks

An advantage that comes with an umbrella insurance plan is that it can provide you with very broad personal liability coverage. While accidents in the home or on the road are somewhat predictable, others are harder to predict and do not have coverage provided by other types of plans. When you have an umbrella plan, you will receive broader liability coverage overall. This will ensure you have protection and peace of mind. 

Contact Us Today

If you are in the market for a new umbrella insurance plan and are in the Byram, MS area, getting professional support is always a good idea. The team with Riverside Insurance Agency Inc. understands the value of this coverage and will offer any support that you need. Riverside Insurance Agency Inc. can help you identify your liability risks and create a plan that will offer broad and ample coverage. 

Will Flood Insurance Cover my Car’s Water Damage?

If you’re a victim of a flood, flood insurance can help pay for the repair and restoration of your home and belongings. However, there are some things that aren’t commonly covered by flood insurance, even though these things may sustain damage from a flood. Our team at Riverside Insurance Agency Inc. understands that understanding what’s covered by flood insurance can be confusing. As a result, we’re committed to educating our Byram, MS residents. 

What Does Flood Insurance Cover?

Flood insurance is designed to cover your home’s flood damage as well as your flood-damaged personal belongings. It will also cover any damage to other structures on your property, as well as your appliances, and most things in your home that were damaged as a result of flooding. 

Will Flood Insurance Cover my Car’s Water Damage?

Unfortunately, flood insurance will not pay for the repair or replacement of your flood-damaged vehicle. Your flood insurance will, however, pay for the replacement or repair of the flood-damaged items inside your car. However, comprehensive auto insurance will cover your car’s flood damage. Comprehensive auto insurance will pay for the replacement of your car if it’s totaled, as well as pay to repair your car’s flood damage.

Comprehensive insurance covers damage caused by many natural disasters like flooding, hail, storms, and more. Your flood insurance policy will cover your home, personal belongings, and any other structures on your property, while your comprehensive auto insurance policy will cover the repair of your flood-damaged car.

Contact Us Today

If you want more information on what’s covered by flood insurance, call us at Riverside Insurance Agency Inc in Byram, MS. We can explore the details of what’s covered by flood insurance and what’s not. 

What auto insurance is required in Mississippi?

Riverside Insurance Agency Inc. knows that auto insurance isn’t a luxury. It’s the law.

Throughout Mississippi, all drivers must meet legally maintained auto insurance guidelines. Failing to do so could result in thousands of dollars in tickets, fines, and legal expenses. Or, even worse, it could result in a suspension of your driving privileges altogether. Not having insurance simply isn’t worth the risk.

That’s why Riverside Insurance Agency Inc. in Byram, MS works so hard to protect all motorists on the roadways. Our experienced agents can help. Below, their team breaks down the two minimum auto insurance requirements for the state of Mississippi.

Minimum Auto Insurance Requirements

Bodily injury liability

Liability is a core component of any insurance policy. Motorists in The Magnolia State are no exception. If an accident does occur and you are found to be at fault, bodily injury liability is vital. This covers any costs related to physical harm or injuries to others. At least $25,000 in bodily injury protection is required for a single person. For more than one person involved in the accident, state law mandates a combined amount of $50,000 in coverage.

Property damage liability

This is another form of liability that applies to possessions or property rather than an individual. Car damage is the primary use. But property damage liability also protects against the destruction of fences, mailboxes, sheds, and other structures. Mississippi drivers must maintain at least $25,000 in property damage liability per accident.

Get The Right Coverage Today

Minimum auto insurance is rarely sufficient. While these components will keep you compliant, they likely won’t adequately cover serious accidents. Serving the greater Byram, MS community, Riverside Insurance Agency Inc. can craft a personalized policy that better protects you, your family, and your assets. Schedule an appointment today.

How to Protect Your Condo While You’re On Vacation

If you’re a condo owner in the Byram, MS area, taking the necessary precautions to protect your property while you’re away on vacation is essential. Here are some tips from Riverside Insurance Agency Inc. to help secure your condo and give you peace of mind while you enjoy your time away.

How to Protect Your Condo While You’re On Vacation

Pause or forward your mail deliveries

There are a few reasons you might want to consider pausing or forwarding your mail when you go on vacation. First, it can be a way to deter burglars from knowing you’re away. If your mail is piling up, it’s a clear sign that no one is home. Additionally, if you have bills in the mail, you’ll want to ensure they don’t go unpaid while you’re away. Lastly, it’s an excellent way to relax on vacation without worrying about checking the mailbox every day.

Do not publicly share your travel plans

It is not advisable to publicly share your travel plans for safety reasons. Sharing your travel plans on social media gives strangers a map of your whereabouts, which could lead to theft or other criminal activity. Also, sharing your travel plans can lead to unwanted solicitations and spam.

Have someone you trust check in on your place

When you go on vacation, you must have someone you trust to check in on your condo. This will help deter criminals, as they will see that someone is regularly checking on the property. Additionally, this person can ensure that everything is in order and that there are no problems with the condo while you’re away.

Get Condo Insurance Today

Riverside Insurance Agency Inc. in Byram, MS specializes in condo insurance. We have a wide range of options to choose from, and our experienced agents can help you find the perfect policy for your needs. Whether you’re looking for basic coverage or something more comprehensive, we can help you find the right policy at the right price.

Is it time to upgrade the commercial policy for your business for something more substantial?

Business owners in the greater Byram, MS area rely on the team at Riverside Insurance Agency Inc. for all of their commercial insurance needs. If it’s time to upgrade the current commercial policy protecting your company, give us a call.

We are proud to support our local business community!

Is it time for a comprehensive commercial policy?

When a business is first getting started, it is common for the owners to look for ways to save money. One such action may be selecting a primary commercial policy that is pretty bare-bones. While this type of policy may serve your needs as you are getting your company off the ground, as your business grows, so too do its commercial insurance needs. 

Upgrading to a more comprehensive commercial insurance policy will help to ensure that your company has the protection it needs. Making sure that you have the insurance coverage that you need is the first step when it comes to responsible business ownership. And, remember that with more success comes more liability risk. 

Don’t delay reviewing your current commercial insurance policy for completeness. And, be sure to take action if your review uncovers any gaps in coverage. Owning and operating a successful business takes a lot of time, energy, and hard work. Be sure to protect your efforts with adequate commercial insurance. Contact us today and let’s review your insurance needs. 

We are the agency to call for all of your commercial insurance needs!

Riverside Insurance Agency Inc. is the one to call for any of your company’s commercial insurance needs in the greater Byram, MS area. Contact our office today to set up a consultation. We look forward to working with you!

How Much Coverage Do I Need?

One of the most important decisions you will make when purchasing insurance is how much coverage to buy. This decision can be difficult, especially if you are unfamiliar with insurance terminology. Riverside Insurance Agency Inc. in Byram, MS is here to help you navigate this important insurance coverage.

How Much Coverage Do You Need?

Many people ask the question, "How much insurance do I need?" The answer to this question is not always a simple one. There are many factors to consider when determining how much coverage you need. Some of these factors include:

  • Your age
  • The type of home you live in
  • Your family’s needs
  • Your assets
  • Your income
  • Your lifestyle

At Riverside Insurance Agency Inc. in Byram MS, we understand that everyone’s insurance needs are different. We will work with you to determine the best coverage for your unique situation.

Determining Your Coverage Needs

There are a few different ways to determine how much coverage you need. One way is to use the 80/20 rule. This rule states that you should carry insurance that covers 80% of the value of your home and possessions. For example, if your home is valued at $100,000, you would need insurance that covers $80,000.

Another way to determine your coverage needs is to use the replacement cost method. This method takes into account the current value of your belongings, not their original price. For example, if you purchased a television for $500 five years ago, it would be worth much less today. The replacement cost method would insure your television for its current value, not its original price.

Determining the Amount of Coverage You Need

If you have any questions about your insurance needs, Riverside Insurance Agency Inc. in Byram, MS is here to help. Give us a call or come by our office today, and we’ll be happy to answer any of your questions.

How Do I Get Renters Insurance?

Most people purchase renter’s insurance through an agent or through their mortgage company. You can buy it directly online from an insurance company. You may have to purchase specialty coverage to protect your belongings if you don’t own a car. 

You can also talk to a broker, or get it directly from your landlord. If you are leasing, talk to your landlord about getting this coverage. Visit Riverside Insurance Agency Inc. for expert advice in Byram, MS.

What Involves Getting a Renters Insurance 

The best way to find out about how renters insurance works is to read up on your options and compare them side by side. Compare quotes from different companies and ask about what happens if you have to end your lease early due to damage. 

You can also reach out to your local government office and ask if they offer any advice on what to look for when getting renters insurance. 

Rental properties can be covered by a standard homeowners policy, but landlords should still have a basic policy that covers their belongings if they have employees or other tenants. 

To get a basic idea of what your policy might cost, you can visit a few websites that compare different policies. Some sites are free to use. Renters insurance protects your belongings against damage or loss due to a covered cause. 

You can also get coverage against the theft of your possessions. If you are moving into a new place, you may want to get coverage against liability. This protects you against damages caused by someone else’s negligence. 

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Your landlord’s policy may cover your belongings, but it probably won’t cover them as thoroughly as a renters insurance policy will. 

A renters insurance policy can protect you in the event of a fire or other disaster that destroys your apartment. 

It can also protect against theft and accidental damage to your belongings. The team at Riverside Insurance Agency Inc. in tByram MS, can get you started.

Understanding The Dangers of RV Travel and How To Protect Yourself

Traveling the country in an RV can be the ultimate American road trip. The freedom to drive where you want, when you want, and the ability to stop and explore whenever you want, provides an experience that no other mode of transportation can match. However, the realities of RV travel mean that you must be careful when exploring new territory. Let Riverside Insurance Agency Inc. in Byram, MS help you understand the dangers of RV travel and how to protect yourself. 

How dangerous is RV travel?

Fire Hazards

According to FEMA’s U.S. Fire Administration, an estimated 3,700 RV fires are reported over a single year. RV fires cause nearly 15 deaths, 100 injuries, and over $58 million in loss. With this in mind, it is important to prepare for the possibility of a fire in your motorhome.

Always have a fire extinguisher on hand. The fire extinguisher should be in a location that is easy to access. Learn how to use a fire extinguisher beforehand. Additionally, learn how to use emergency hatches and windows. Install a smoke alarm and keep it working. Review your fire safety procedures annually.

Road Dangers

Avoid driving in high traffic, such as during rush hours. Also, avoid driving in the dark, especially after midnight in urban areas where the risk of encountering drunk drivers is high.

Be aware of the weather. We experience a wide range of weather conditions in Byram MS, but that doesn’t mean you will be immune to bad weather. Be prepared for extreme weather, especially in climates you are not familiar with.

Remember that an RV has a weight limit. Overloading your RV is a dangerous practice. You could end up damaging your RV or even toppling over.

Be Insured

There are plenty more hazards out there that can cause harm to your RV and your family. Be sure to have the proper insurance coverage. Riverside Insurance Agency Inc. in Byram, MS can help you find the right RV insurance that meets your needs.

A Guide to Motorcycle Insurance

Riding a motorcycle is a fun and thrilling activity. Like other transportation machines, motorcycles must be insured. Motorcyclists in Byram, MS, can obtain insurance from Riverside Insurance Agency Inc. Before you visit the insurer, here’s a guide to motorcycle insurance.

Motorcycle Insurance is Mandatory in Mississippi

Motorcycle insurance is compulsory in the Magnolia State, and you must provide proof of insurance before registering your bike. The repercussions of being an uninsured motorcyclist can be dire. You can receive various punishments, including fines, a short jail term, and license suspension. Another danger of not having motorcycle insurance in Mississippi is you will be forced to use your pocket money to cover injuries, repairs, and replacements if you are involved in an accident.

Motorcycle Insurance Options

There are numerous motorcycle cover options that motorcyclists in Mississippi can buy. Comprehensive insurance is the most common insurance option, which covers damages attributed to incidents other than accidents like theft and vandalism. The personal injury protection option covers medical expenses, childcare, and lost wages following an accident.

Additionally, bodily injury liability cover caters to medical bills and lost income caused to another person by your motorcycle. Property damage coverage pays for damages caused to a third-party property when you are at fault. Although all motorcycle insurance options have their merits, the comprehensive insurance option is the best because it covers everything.

Add-On Insurance Options

Insurance add-ons are optional. One add-on option is roadside assistance which enables your insurer to cover any service you may need on the road, like towing and puncture repair. Another add-on is mechanical breakdown insurance which covers abrupt mechanical failure after an expired warranty.


This guide gives you a sneak peek of motorcycle insurance. Book an appointment with Riverside Insurance Agency Inc. in Byram, MS, to acquire a suitable insurance cover for your motorcycle.

Recreational insurance helps protects your prized possession

Riverside Insurance Agency Inc. is an independent agency. For over 15 years, we have helped Byram, MS residents find the coverage they need to protect what matters most. We work with multiple carriers across the South. We help our clients obtain custom policies that evolve as their needs change over time. Life is full of unpredictability. We will help you find the necessary coverage to stay secure.

Recreational Insurance Overview

Many Byram, MS residents have recreational vehicles that they enjoy using at different times. Regardless of whether you have a boat, off-road vehicle, or a motorhome, consider the benefits of recreational insurance. Recreational insurance helps protects your prized possession. Collision coverage protects your asset if it’s damaged in a collision with another vehicle or object. If you have a luxury recreational vehicle, you can amend your policy to provide extra coverage for the damages. Comprehensive coverage protects your recreational vehicle if it’s stolen or vandalized. You are also covered if your vehicle is damaged due to severe weather. The South is known for potential hurricanes or tornadoes emerging at any minute. Comprehensive coverage protects your vehicle if damages arise. Liability coverage is essential, especially if you have a high-risk recreational vehicle. This type of coverage protects you if your vehicle accidentally injures someone or damages their property. You are also covered if any passengers are injured while traveling with you.

You can add extra coverage based on the type of recreational vehicle you have. Emergency assistance coverage is recommended regardless of the type of vehicle you have. This type of coverage protects you if your vehicle suffers engine failure or a dead battery while you’re traveling. You will receive immediate service.

Riverside Insurance Agency Inc. Will Help You Cover Your Assets

Contact us today to learn more information about recreational insurance.

Servicing States

  • Alabama
  • Arkansas
  • Florida
  • Louisiana
  • Mississippi
  • Tennessee
  • Texas


Partner Carriers

  • ASI
  • Berkshire Hathaway
  • Foremost
  • Heritage
  • Liberty Mutual
  • MetLife
  • Orion 180
  • Progressive
  • Safeco
  • Southern Fidelity
  • State Auto
  • Travelers