Is Your RV Covered if You Drive to Canada?

Posted on January 30, 2026January 8, 2026 by admin

Driving an RV into Canada is a common plan for Mississippi travelers, but crossing the border brings up important insurance questions you should discuss with your agent at Riverside Insurance Agency Inc., serving Flowood, MS. Coverage doesn’t automatically change just because you leave the country, yet there are details worth confirming before the trip begins.

How RV Coverage Typically Works Across the Border

Many RV insurance policies issued in Mississippi extend coverage into Canada, since Canadian driving laws are similar to those in the United States. That said, coverage isn’t guaranteed by default. Insurers usually require that the RV be legally registered, properly maintained, and used in accordance with policy terms while traveling outside the country.

Why Proof of Coverage Matters in Canada

Canadian authorities may ask for proof of insurance if you’re involved in an accident or stopped by law enforcement. Most insurers provide a Canadian Non-Resident Interprovincial Motor Vehicle Liability Insurance Card, often called a “Canada Card,” which confirms that your coverage is recognized there. Having this document on hand helps avoid delays or confusion during your trip.

What Mississippi RV Owners Should Watch For

Mississippi doesn’t impose additional requirements for taking an RV out of the country, but policy conditions still apply once you leave the state. Coverage may differ depending on whether the RV is a motorhome or a towable unit, and how long you plan to stay in Canada. Extended stays, commercial use, or changes in how the RV is used can affect how coverage applies.

Planning Ahead Avoids Problems Later

Before crossing the border, it’s smart to review your policy and confirm that Canada is included. Asking about documentation, roadside assistance availability, and any usage restrictions helps avoid surprises.

If Canada is on your travel route, your RV insurance agent at Riverside Insurance Agency Inc., serving Flowood, MS, can review your coverage and help make sure everything is in order before you head north.

Why a Death Benefit Is a Good Idea for Motorcycle Riders

Posted on December 31, 2025December 12, 2025 by admin

Riding on a motorcycle is a dream for many, but there are concerns that should be acknowledged when getting on the road. One of these concerns is getting into an accident that could prove fatal. Motorcycle insurance is a strong investment for helping you cover your bike as well as physical injuries. But what happens if you should end up in an accident that results in a fatality? Motorcycle insurance can still help. Let’s take a look at why every motorcyclist should have motorcycle insurance with death benefits, and how you can turn to us at Riverside Insurance Agency Inc., serving Flowood, MS, to secure a motorcycle insurance policy that will meet all your needs.

Why You Should Have Death Benefits If You Ride a Motorcycle

While recent data estimates that motorcycles account for only 3% of all registered vehicles, motorcycle accidents account for 15.5% of all traffic fatalities. Riding a motorcycle presents risks that aren’t present with traditional automobiles. If you do plan on riding a motorcycle as your main form of transportation or even as a hobby, it’s important to prepare for every possible outcome when on the road. Purchasing a motorcycle insurance policy with death benefits ensures that your family has some financial support should you pass away while riding your motorcycle. Take care to look at all your options, find motorcycle insurance with death benefits that offer your family the support they need, and consider other types of insurance like life insurance, which can provide them with more comprehensive support should you pass away while riding.

Shop Motorcycle Insurance Policies With Riverside Insurance Agency Inc.

Looking for motorcycle insurance? We can help! Start here with Riverside Insurance Agency Inc., serving Flowood, MS. Get started by comparing quotes with us today, or reaching out to us if you need help!

What Are the State Laws for Recreational Vehicle Insurance in Flowood, MS?

Posted on November 26, 2025November 7, 2025 by admin

In Mississippi, motorhomes or recreational vehicles (RVs) need liability insurance to cover at least $25,000 per person and $50,000 per accident for bodily injury. You also need a policy that covers at least $25,000 for damage to property. You can always get more coverage, but these are the minimum requirements by the state. Learn more from the professionals at Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas.

If you have a pop-up camper or a travel trailer, you don’t have to get RV insurance. They are usually already covered by the car that tows them. You also might have to have more coverage if your RV is still financed through a bank and you don’t own it outright. Some lenders require replacement insurance and higher coverage limits.

Optional Coverage for RVs and Motorhomes in Flowood, MS

Comprehensive and collision coverage are sometimes required by your lender or bank, but not by the state of Mississippi. It is still wise to get a policy to cover theft, fire, or damage to any vehicle you own, whether it’s an RV, a pop-up trailer or another towed vehicle.

You can purchase optional insurance coverage like:

Uninsured motorist protection
Personal injury protection (PIP)
Roadside assistance

If You Live in Your RV

If you live full-time in your motorhome, you may need to get a particular type of policy that covers more than a standard RV insurance policy would. It includes coverage for damage that might happen while you’re parked, not just while you are driving.

If you aren’t sure what type of coverage you need. first ask your lender, then reach out to a qualified insurance agent that can help you determine which policy is best for you.

Call Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas to learn more about insurance for your recreational vehicle (RV) today.

What Is Marine Business Insurance?

Posted on October 31, 2025October 21, 2025 by admin

Marine business insurance is vital to any Flowood, MS, business owner who uses one or more boats for commercial purposes. This type of insurance can be tailored to meet the needs of sole proprietors who give boat tours, companies that rent out paddle boats for kids, fishing businesses, boat schools, charters, and more.

What Does Marine Business Insurance Cover?

Marine business insurance coverage varies depending on your chosen policy and policy riders. General liability insurance typically covers products and operations, premises liability, fires, medical payments, and legal costs arising from incidents occurring on one of your boats. This is sufficient for many small business owners, but those who operate large boats carrying large cargo and/or many people per trip may want to consider an excess liability policy with a high liability limit.

Physical damage coverage provides compensation for damage to your watercraft. It also covers theft. Pollution liability covers instances where your ship inadvertently pollutes a waterway. Business interruption covers the cost of business operations if an accident or natural disaster interrupts regular business operations. If you store your boat inland instead of by a marina, you can also purchase trailer coverage that will cover the trailer used to transport your boat to and from the waterfront.

Marine business insurance differs from boat/watercraft insurance. It provides additional coverage options to meet the needs of businesses that regularly use boats to carry people and/or goods. If you use your boat for any commercial operations, even on a part-time basis, it’s important to purchase a commercial policy. This is because a personal boat/watercraft insurance policy doesn’t cover any type of commercial usage.

Call Riverside Insurance Agency Inc. for More Information

At Riverside Insurance Agency Inc., we specialize in helping Flowood, MS, watercraft owners identify and purchase the right types of coverage for their watercraft. Call us to learn about our policy options or to get a quote.

Why Umbrella Insurance Isn’t Just For the Wealthy

Posted on September 30, 2025September 22, 2025 by admin

When most people think about umbrella insurance, they often assume it’s only for millionaires with sprawling estates and luxury cars. At Riverside Insurance Agency Inc., serving Byram, MS, we hear this misconception frequently. The truth is, umbrella insurance can be one of the most intelligent financial decisions for everyday families, and it’s more affordable than you might expect.

Protection Beyond Your Basic Coverage

Your standard auto and homeowners insurance policies have coverage limits, and those limits may not be sufficient if you face a serious lawsuit. Imagine accidentally causing a multi-car accident or someone sustaining a severe injury on your property. Medical bills and legal fees can quickly escalate into hundreds of thousands of dollars. Umbrella insurance steps in when your other policies reach their limits, providing an extra layer of protection when you need it most.

It’s More Affordable Than You Think

Many people are surprised to learn that umbrella insurance typically costs between $200 to $400 per year for $1 million in coverage. That’s roughly $1 per day for significant financial protection. Considering that a single lawsuit could potentially deplete your savings and retirement funds, this small investment makes excellent financial sense.

Real-World Scenarios Where You Need It

You don’t need to be wealthy to face expensive lawsuits. Parents of teenage drivers, dog owners, social media users, and volunteers could find themselves in costly legal situations. Even something as simple as sharing an opinion online that someone finds offensive could lead to litigation.

Protecting Your Future

Don’t let misconceptions leave you vulnerable. Contact Riverside Insurance Agency Inc., serving Byram, MS, today to learn how affordable this essential protection can be for your family.

Why Riverside Insurance urges Byram homeowners to review flood maps

Posted on August 29, 2025August 20, 2025 by admin

Many Byram homeowners feel secure, believing that because Byram doesn’t sit on the coast, flooding isn’t a real threat. However, the reality is different. Heavy rains, swollen creeks, and storm runoff can push water into neighborhoods, even those that don’t appear to be in a “flood zone” at first glance. This is where updated flood maps become essential. Current maps reveal risks that many homeowners don’t expect until water is already crossing their doorstep.

What Flood Maps Tell You

Flood maps aren’t just technical charts for engineers or government officials. For homeowners, they serve as an important reality check. These maps show:

Current flood zones indicate where water is most likely to rise during a storm.
Recent changes mean that neighborhoods once considered low risk may now be reclassified.
Insurance implications, since coverage often changes along with the map.

Every time FEMA updates these maps, the effects can be significant. A home that was once outside a high-risk area may suddenly be classified within a flood zone, changing how your insurance responds. At Riverside Insurance Agency Inc., serving Byram, MS, we guide you through these shifts so you’re not caught off guard.

Why Byram Homeowners Shouldn’t Wait

Waiting until after a storm to ask about coverage is a risky gamble. Once the water hits, your only options are recovery and repair. Reviewing your flood zone now ensures that your home is covered when storms strike. If you discover you’re not covered, you’ll have time to adjust your policy before the next season of heavy rains.

At Riverside Insurance Agency Inc., we encourage homeowners to treat flood maps as living documents, not unnecessary background paperwork. If you’re unsure whether the most recent flood zone updates affect your property, reach out to us. We’ll walk you through the details and help you ensure your coverage matches your actual risk.

Auto Insurance and Wildlife Collisions: Are You Protected?

Posted on July 31, 2025July 22, 2025 by admin

If you’ve ever driven through a wooded area at night, you know the sudden, heart-pounding moment when a deer darts across the road. Wildlife collisions are more common than you might think, especially in rural areas. At Riverside Insurance Agency Inc. in Byram, MS, we often receive questions from drivers wondering if their auto insurance will cover damage from hitting an animal. The answer depends on your policy.

What Type of Coverage Do You Need?

When it comes to wildlife collisions, the type of auto insurance you carry makes all the difference. If you only have liability coverage, you’re likely out of luck—liability insurance only covers damage you cause to others. To be protected in situations where you hit a deer, raccoon, or other animal, you’ll need comprehensive coverage. This portion of your policy is designed to cover non-collision incidents, including theft, weather damage, and animal impacts.

Why Comprehensive Coverage Matters

Collisions with animals can cause significant damage—not just to your car but also to your wallet if you’re not properly insured. Even smaller animals can crack a bumper or damage internal components. Larger wildlife collisions, such as hitting a deer, can sometimes result in a totaled vehicle. Having the right coverage provides peace of mind, especially during seasons when wildlife activity is at its peak.

Stay Prepared for the Unexpected

Nature is unpredictable, but your insurance doesn’t have to be. If you’re unsure whether your current policy includes comprehensive coverage or if you’d like to review your options, we’re here to help. Contact Riverside Insurance Agency Inc. in Byram, MS, today, and let’s ensure you’re protected from whatever crosses your path.

Cybersecurity and Commercial Insurance: Protecting Your Business in the Digital Age

Posted on May 30, 2025May 27, 2025 by admin

Protect Your Business from Cyber Threats with Cyber Liability Insurance

If you’re running a business in or around Byram, MS, you already know how crucial it is to protect your property, equipment, and employees. But what about your digital assets? In today’s world, cyber threats like data breaches, ransomware attacks, and phishing scams are just as real—and potentially just as damaging—as physical break-ins.

Whether you’re a small local shop or a growing company with multiple employees, your business likely stores sensitive customer data, financial records, or proprietary information. One successful cyberattack could lead to lost income, legal trouble, and a serious hit to your reputation.

That’s where cyber liability insurance comes in. At Riverside Insurance Agency Inc., we help businesses of all sizes understand their risks and get coverage that makes sense for their digital operations. Cyber liability insurance may help you cover the costs of data recovery, legal fees, customer notifications, and even public relations if your brand takes a hit. Talk about a sigh of relief.

Think of it like this: you wouldn’t skip insuring your building, so why leave your digital doors unlocked? Cybercriminals are becoming increasingly sophisticated, and unfortunately, small and mid-sized businesses are often easier targets than larger corporations.

At Riverside Insurance Agency Inc., serving residents of Byram, MS, we work with you to evaluate your exposure and build a commercial insurance plan that includes cyber protection tailored to your specific needs. We’ll explain the options in plain language—no tech jargon required.

If your business relies on computers, emails, or online transactions (and who doesn’t these days?), It’s time to take cybersecurity seriously. Let’s ensure your coverage stays current with the times.

How to Make Filing a Home Insurance Claim Less Stressful

Posted on April 30, 2025April 22, 2025 by admin

Filing a home insurance claim can feel overwhelming, especially when you’re already dealing with damage or loss. At Riverside Insurance Agency Inc. in Byram, MS, we understand how stressful the process can be, which is why we’re here to help simplify it. With the proper steps and support, filing a claim doesn’t have to add to your worries.

Understand Your Policy Before You Need It

The best time to get familiar with your home insurance policy is before you ever need to file a claim. Take time to review what’s covered, your deductible, and any exclusions. Knowing these details ahead of time can save a lot of confusion and frustration later. If something seems unclear, don’t hesitate to reach out to your agent for clarification—it’s part of what we’re here for.

Document Everything After the Incident

If damage occurs, whether from a storm, fire, or a break-in, start by ensuring everyone is safe. Once the immediate danger is over, begin documenting the damage. Take clear photos or videos of everything affected. Keep receipts for any emergency repairs or temporary accommodations. These details are incredibly helpful during the claims process.

Let Us Help You Through It

Filing a home insurance claim doesn’t have to be a nightmare. With a little preparation and the right team by your side, it can be manageable—and even empowering. If you have questions or need help with a claim, contact Riverside Insurance Agency Inc., proudly serving the greater Byram, MS community today. Communication is key. A good insurance agent should walk you through every step of the claim. At Riverside Insurance Agency Inc., we pride ourselves on being accessible and responsive. We’re here to support you every step of the way.

Why People Who Rent Apartments Should Get Renters Insurance?

Posted on March 28, 2025March 25, 2025 by admin

Moving into a new apartment in Byram, MS, is an exciting experience. It’s a thrilling journey from choosing your favorite decor to relaxing in your own space. However, one crucial aspect that renters often overlook is the importance of renters insurance. This insurance can protect your valuable possessions and furniture from perils such as break-ins, thefts, vandalism, and natural disasters, which could otherwise lead to high out-of-pocket expenses.

The local insurance professionals at Riverside Insurance Agency Inc. in Byram explain the importance of renters insurance as part of a comprehensive financial management and personal property protection strategy.

The Importance of Renters Insurance for those in Apartments

Did you know that a comprehensive renters insurance policy can provide financial protection for your personal belongings, including furniture, electronics, and clothing?

Protecting your personal belongings is just one of the many benefits of a well-structured renters insurance policy. It can also provide liability coverage that protects tenants from financial damages if you accidentally damage someone else’s property or if someone is injured in your unit.

Secure Your Personal Property with Renters Insurance

If your unit becomes temporarily uninhabitable, you can shield your finances from losses due to severe weather, rising crime rates, break-ins, and displacement costs.

Starting a new renters insurance policy is as simple as contacting a trusted local agent and receiving a customized quote. Knowledgeable agents can answer your questions, provide tailored insurance options, and offer professional advice.

Don’t wait until it’s too late to secure apartment renters coverage

Contact Riverside Insurance Agency Inc. in Byram to learn more about the benefits of a comprehensive renters insurance policy and get a quote today!

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