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Tag: Byram MS

More Than Aid: How Flood Insurance Keeps Nonprofits Running During Floods

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From non-profit food banks to disaster relief organizations in the Byram, MS area, these entities are essential in assisting those in need. However, their ability to fulfill their missions can fail when flooding occurs. 

The Vulnerability of Non-Profits to Flooding

Non-profits use physical facilities, equipment, and assets to accomplish their missions. These assets can include office spaces, warehouses, vehicles, and more. These assets can risk extensive damage or destruction in floods, disrupting the organization’s ability to provide vital services.

How Flood Insurance Supports Non-Profits

Flood insurance handles damage and losses caused by floods. Non-profits must protect their assets and maintain operations during and after a flood event. Listed are the benefits:

1. Asset Protection: Flood insurance significantly reduces the financial burden of repairing or replacing damaged assets. It allows them to continue their work without a long hiatus or the need for additional fundraising efforts to cover flood-related costs.

2. Business Interruption Coverage: Some flood insurance policies offer business interruption coverage in addition to asset protection. If a non-profit is forced to temporarily cease its operations due to flood-related damage, the insurance can compensate for lost income and assist with continuing essential services.

3. Consistent Service Delivery: For many non-profits, their services are critical to the well-being of their communities. Flood insurance helps ensure that these services can continue without significant disruption.

4. Access to Resources: Non-profits often have limited resources, and diverting funds from their mission to repair flood damage can be a significant setback. Flood insurance ensures that financial resources remain available for the non-profit’s primary objectives rather than for recovery efforts.

Riverside Insurance Agency Inc. Can Help You

At Riverside Insurance Agency Inc., we can help answer questions concerning flood insurance. We serve the Byram, MS area. Contact us today.

Understanding the Parts of an Auto Insurance Policy

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Buying auto insurance for the first time in Byram, MS can be confusing. Learning how to read the parts of the policy is essential so you can understand your coverage. When you buy auto insurance from Riverside Insurance Agency Inc., our agents will work with you to determine coverage levels and help you understand your policy.

The Major Sections

When buying auto insurance, you’ll see several different types of coverage. Some are mandatory, while others are optional. Among the sections you will see are:

  • Liability – for bodily injury and property damage
  • Medical payments – provides coverage for medical and hospital treatment for injured passengers
  • Uninsured/underinsured motorists – covers your medical expenses and sometimes
  • Collision – pays for the damages to your vehicle when another one hits it
  • Comprehensive – pays for damages caused by hitting an animal, object hitting or falling on your vehicle, and similar circumstances.

Mississippi requires all vehicle owners to have minimum liability coverage for bodily injury and property damage. Optional coverages are collision, comprehensive, and uninsured/underinsured motorists. Most policyholders have at least one optional coverage to provide peace of mind if an accident occurs.

Understanding Your Declarations Page

Policy owners will find a summary of their coverage information on the declaration page. You’ll see basic information such as the policy number, policy terms (usually 12 months), and the company and agency information. Other pertinent information includes your name, the make and model of your insured vehicle, including its VIN, the premium, and any applicable discounts. This page will also list coverage amounts for mandatory and optional coverage types.

Reach Out To Us

You can trust Riverside Insurance Agency Inc. in Byram, MS to provide quality auto insurance that will meet your needs. Contact us today to get started on your quote.

Loss Assessment Coverage in Condo Insurance

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Condo living in and around the Byram, MS area offers a unique blend of homeownership and shared community spaces, creating a sense of unity among residents. However, when unexpected damages occur to common areas or amenities, condo owners face a financial burden that extends beyond their units. This is where loss assessment coverage steps in, providing crucial protection against unforeseen shared costs. Knowing they are covered, it delivers peace of mind for the condo owner. 

Understanding Loss Assessment Coverage

Loss assessment coverage is a vital component of condo insurance that often goes overlooked. It safeguards condo owners against the financial implications of collective expenses incurred for repairs or damages to shared spaces within the condominium complex. These shared areas, such as elevators, hallways, swimming pools, and roofs, are essential to the overall functionality and appeal of the community.

Importance of Loss Assessment Coverage

Imagine a scenario where a sudden storm causes extensive damage to the condo building’s roof, requiring immediate repairs. The condominium association may spread the repair costs among all unit owners. Individual owners could face a substantial financial burden without loss assessment coverage, often reaching thousands of dollars. Loss assessment coverage alleviates this burden, ensuring that condo owners are not shouldering the costs alone.

Unforeseen Events and Collective Costs

Loss assessment coverage becomes particularly valuable in situations involving unforeseen events that damage common areas, such as fires, natural disasters, or accidents. These events can lead to hefty repair bills shared among all condo owners. With loss assessment coverage, condo owners can manage these unexpected expenses without depleting their savings or financial resources.

Riverside Insurance Agency Inc. Can Help You

At Riverside Insurance Agency Inc., we can answer all your questions concerning condo insurance. We assist the Byram, MS region. Contact us today.

Workers Compensation Insurance Protects the Financial Stability of Your Business

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Workers may be exposed to a number of risks that can cause injury or even death. These events can affect your business with expensive costs or lawsuits. Workers’ compensation insurance is a system that has been designed to defray the expenses associated with caring for workers who are injured on the job. At Riverside Insurance Agency Inc. in Byram, MS, we help Mississippi companies acquire this important coverage for their business.

Do You Need Worker’s Compensation Insurance?

Requirements for workers’ compensation insurance vary from state to state. In Mississippi, workers’ compensation insurance is mandatory for businesses with more than five employees. If you have fewer than five employees, you may not need to have this coverage. However, some of the companies you do business with may require it as part of their contracts. Ultimately, having workers’ compensation insurance protects your company against large expenditures for employee injuries and avoids lawsuits that might occur as a result of worker injury.

What Does Workers’ Compensation Insurance Cover?

Workers compensation insurance covers costs related to worker injuries such as medical treatment for an injury, lost wages while recovering from an injury, and death benefits if a death occurs as a result of an injury on the job. If an employee accepts workers’ compensation for an injury, they cannot sue your company for the injury, which protects your business against expensive lawsuits that could threaten the financial stability of your company.

Choose Riverside Insurance Agency Inc For Your Workers’ Compensation Insurance

Workers’ compensation can be a complex topic, and you may have questions regarding the proper coverage. Our agents can answer your questions in detail to ensure you have the insurance you need. Contact Riverside Insurance Agency Inc. in Byram, MS for a no-obligation quote on workers’ compensation insurance that will protect your employees and your business.

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. 

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