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Riverside Insurance Agency, Inc.

5606 I-55 S
Byram, MS 39272

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Tag: Byram MS

When should you review your home policy?

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Like all things in life, your home insurance needs to change. You may require more coverage than you did previously. Reviewing your policy is something you should do at least yearly. At Riverside Insurance Agency Inc., we have been serving the residents of Byram, MS and the surrounding area for more than 20 years. 

When To Review Your Home Policy

When your policy renews

Most home policies are renewed yearly. When you receive your new policy, that is the best time to review your home coverage. The front page of your policy documents is the declaration page. This is a synopsis of your policy. You can see your property coverage, your liability coverage, your deductible, and any endorsement or discounts you have. If you have noticed an increase from last year, you might want to dig out your last year’s declaration page to review where the increase is coming from. 

You add something that increases your liability

If you install a swimming pool or a trampoline, or get a dog, you should increase the amount of liability insurance you have. You can add it to your home policy or just get an umbrella policy that will increase your liability coverage across the board on all your policies. 

You make major upgrades to your home

If you have increased the square footage of your home by finishing a basement or adding a room or a new bathroom, this may increase the value of your home, and you should let your insurance agent know about it. 

You add new safety equipment

If you have added a home security system to your home or installed a wired smoke detector, you may be eligible for a discount on your policy. 

We Are Here To Help

Contact Riverside Insurance Agency Inc. in Byram, MS when it is time to renew your home insurance. 

Do College Students Need Renters Insurance?

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As a college student in Byram, MS, you may wonder if you need renters insurance. At Riverside Insurance Agency Inc, we believe renters insurance is an essential investment for college students. 

What is Renters Insurance?

Renters Insurance is a policy that provides coverage for your personal belongings in case of theft, fire, or water damage. It also protects you against liability claims, such as if someone were injured on your rental property. For college students in Byram, MS, having renter’s insurance is crucial to protect their belongings and finances.

Why Do College Students Need Renters Insurance?

Having renters insurance protects your finances and gives you peace of mind. College students often live in shared spaces, such as dormitories or rental apartments, with a higher risk of theft or property damage. Without renters insurance, students must pay out of pocket to replace their stolen or damaged belongings. Besides, you may be liable for medical expenses and legal costs if someone injures your rental property such as a friend.

How Can Renters Insurance Benefit College Students?

Renters’ insurance covers more than just the replacement of your personal belongings. It can also cover additional living expenses, such as temporary housing if your rental property becomes uninhabitable because of a covered event. Some policies may also cover identity theft and credit card fraud. Renters insurance is an affordable investment that can save you money in the long run.

Contact Riverside Insurance Agency Inc Today

If you’re a college student in Byram, MS, contact Riverside Insurance Agency Inc today to learn how we can protect your belongings and finances with renters insurance. Our experienced agents are here to answer your questions and find the right policy.

Tips to prepare your RV for a storm

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Preparing your RV for a storm here in the Byram, MS area is essential to ensure your comfort, safety, and enjoyment of your trip. While it may take a bit of extra effort, following these tips from us at Riverside Insurance Agency Inc. can help you weather any storm that comes your way.

Tips to prepare your RV for a storm

1. Make sure all windows and doors are properly sealed. This will help to prevent water from entering the RV during the storm. 

2. Check the roof of your RV to make sure there are no holes or cracks that water could seep through. If necessary, reapply the sealant as needed to protect against moisture damage. 

3. Have plenty of flashlights, candles, and other sources of light so you can still see in case of a power outage from the storm. 

4. Secure all outdoor furniture and items near the RV so they don’t get blown around in high winds or heavy rains. 

5. Keep an eye on local weather forecasts so you know when bad weather is headed your way and can react accordingly.  

6. Make sure your RV is on level ground, and the tires are inflated properly to avoid having it tip over or move in the wind. 

7. Have a backup plan for how you will evacuate if necessary and know where safe places to go are located nearby. 

8. Stock up on emergency food and supplies. If you can’t get out for a few days, you want to be prepared.

Give Us A Call

By following these simple tips, you’ll be able to rest easy while camping in even the worst storms that nature throws at you! For more tips, give us at Riverside Insurance Agency Inc. a call today. We proudly serve the Byram, MS area.

The importance of wearing a helmet on a motorcycle

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Riding a motorcycle is a liberating and exhilarating experience, but it can also be dangerous. That’s why it’s so important to wear a helmet here in the Byram, MS area or whenever you hop on a bike. Here at Riverside Insurance Agency Inc., we believe helmets are an essential safety item for all motorcyclists, providing crucial protection in the event of an accident or crash. 

Helmets reduce the risk of serious injury and death by protecting your head from impact. They also decrease the chances of lacerations and abrasions to your face and neck. In addition, helmets shield riders from flying debris like bugs and pebbles that can cause pain or distraction while driving at high speeds. 

The best way to stay safe while riding is to wear the right gear, including a quality helmet that fits comfortably and securely. Make sure it meets safety standards set by organizations like DOT (U.S.), ECE (Europe), or SNELL (global). Look for helmets with updated technology such as adjustable air vents, advanced shock absorbers, impact-resistant shells, and padded liners for added comfort. 

No matter where you’re riding, wearing a helmet should always be a priority—it’s essential for keeping you safe on the road. Don’t take any chances when it comes to your safety; always wear a helmet when riding your motorcycle!

Reach Out To Us

For more tips on how to stay safe on your motorcycle, or if you have any questions about your motorcycle insurance policy, give us at Riverside Insurance Agency Inc a call today. We are proud to serve the Byram, MS area and would be happy to help you find a policy that suits your needs and your budget.

5 Benefits of Recreational Insurance for Missouri RV Owners

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Recreational insurance, often referred to as "RV insurance," is a type of specialty vehicle insurance that covers RVs, motorhomes, travel trailers, campervans, and fifth-wheel trailers.

Missouri RV owners who purchase this policy are protected against financial losses arising from damage to their vehicles or injuries sustained while operating them.

Insurance Rules and Regulations for Missouri RV Owners

The State of Missouri has different insurance and licensing requirements for recreational vehicles on the road.

A licensed insurance agent at Riverside Insurance Agency Inc. in Byram, MS can talk to you about the best RV insurance coverage options for you and your family.

Five Benefits of Recreational Insurance for Missouri RV Owners

1. It provides protection against physical damage to your RV.

Having the recreational insurance policy in place can help protect RVers on major highways, at campgrounds, and at other remote locations where help is limited. RV insurance coverage can include damage from weather events, accidents, and theft.

2. Recreational Insurance covers liability exposures arising from the operation of your RV.

A licensed RV insurance agent can help you choose the best options for protecting yourself from liability exposure while operating your RV or camper.

3. Some RV insurance policies cover medical expenses incurred by you or your passengers because of an accident.

Talk to a licensed insurance agent about medical coverage add-ons for your recreational insurance policy.

Experienced agents at Riverside Insurance Inc. in Byram, MS can point you in the right direction!

4. It provides protection for personal belongings stored in your RV.

This coverage helps RV enthusiasts rest easier on overnight stays at campgrounds or while camping on public lands.

5. Recreational insurance can offer emergency roadside assistance if your RV breaks down while you are on the road.

Give us a call at Riverside Insurance Inc., and we will set you up with the coverage that provides you with the assistance that you need. 

Three important pieces of information when you buy boat insurance

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You’ll have numerous options to choose from when you select a boat insurance policy for your boat. Riverside Insurance Agency Inc. can provide you with boat insurance coverage if you’re a boat owner in Byram, MS. 

It’s important to consider all the pertinent information in choosing the policy details that are right for you.

The following are three important pieces of information you need when you buy boat insurance

The value of your boat

Boat insurance policies usually offer full replacement cost coverage. Keep the total value of your boat in mind when you’re looking over policy details for your boat insurance.

To enjoy full coverage, you need to have policy maximums for collision damage that aren’t any lower than the full value of your boat. 

The navigational range over which you want to be able to navigate

The navigational range that your policy specifies is one of the most important details of your policy that you need to pay attention to. When you’re outside this range, your policy isn’t going to cover you.

Make sure that your policy is in effect in all of the waters in which you envision using your boat in the future within your policy term. 

The boat insurance coverage requirements of your marina

Many marinas have boat insurance coverage requirements for boaters that keep their watercraft at their facilities.

If you keep your boat at a marina, check on the insurance coverage requirements of your marina and make sure that your policy meets them. 

Give Us A Call

If you have questions about choosing boat insurance, we’re here to provide you with information that can help at Riverside Insurance Agency Inc. Boat owners in Byram, MS can get in touch with us today so that they can get a quote on a boat insurance policy that is just right for their needs. 

What types of risks does umbrella insurance protect against?

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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?

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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?

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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

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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.

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