About the Texas Farm and Ranch Lands Conservation Program

Do you know about the Texas Farm and Ranch Lands Conservation Program? This project was founded in 2005 and works with the Texas Parks and Wildlife System to protect your working lands from fragmentation and development. Fragmentation can significantly decrease a farm’s productivity. Information and assistance with these and other farming and ranching issues can be found at Rasor Insurance, where we’ve served the Celina, TX area for over twenty years.  

In addition to fragmenting the amount of your cropland, fragmentation can result in biodiversity loss. It can also result in a decrease in invasive plants, pests, and pathogens, as well as a deterioration of the area’s water quality. The project provides easements for the land to preserve the productivity of the land. Recent grants from the TFRLCP program have ranged in value from $27,000 to over $1,000,000. 

The Texas Farm and Ranch Lands Conservation Program supports and provides education about how the project protects Texas land, fish, and wildlife in the following ways: 

  • It promotes awareness of the conditions that qualify farmers for the easements available.
  • Facilitating the financing of qualifying land and water conservation projects.
  • Educating the public about the ecological significance of working lands and the need to preserve them.

Applications for the funds from TFRLCP are available by contacting the Texas Parks and Wildlife Department. Guidelines for project consideration can be found at https://tpwd.texas.gov/landwater/land/private/farm-and-ranch-/how-to-apply.phtml.

Farmers and ranchers need insurance to protect their buildings, crops, and lands. Our team at Rasor Insurance in Celina, TX is a natural choice to help with insurance coverage for your farm or ranch. Cleve Rasor, our agency’s owner and operator, has had a background as a rancher. Our team has over two decades of experience in the farm and ranch industry.


The Claims Process: What to Expect When Filing a Home Insurance Claim

Filing a home insurance claim in Celina, TX can be daunting, especially when you don’t know what to expect from the claims process. Rasor Insurance wants you to know what to expect.

Step 1: Contact Your Insurance Provider

After an incident such as a storm or a break-in, contacting your insurance provider as soon as possible is important. Once you’ve filed a claim, they will assign an adjuster to assess the damage and provide you with an estimated cost of repairs.

Step 2: Document Damage with Photographs

Before cleaning up, take photographs of all damage to your home, including the affected area and all items that have been damaged.

Step 3: Wait for the Insurance Adjuster to Evaluate Damages

When your claim is filed, your insurance provider will assign an adjuster to evaluate the damage to your home. The adjuster will visit your home to assess the damage and provide a recommended repair cost. This process can take several days, depending on the extent of the damage and your location.

Step 4: Verify Estimate and Repair Process

Once you receive your estimated cost of repairs, you’ll want to review the estimate thoroughly to ensure that it accurately reflects the true cost of repairs. 

Step 5: Receive Insurance Payout

After your insurance provider has approved and processed the claim, you will receive an insurance payout for damages.

Understanding the claims process in Celina, TX can help alleviate stress when filing a home insurance claim. Remember to contact your insurance provider as soon as possible to ensure a smooth claims process. Maintain good documentation of damages with photographs and keep in contact with your insurer throughout the process. If you have questions, contact Rasor Insurance. We’re here to help.

A Guide To Recreational Insurance for Texas Residents

The Importance of Recreational Insurance in Texas

Suppose you’re a Texas resident who owns a recreational vehicle like a camper, motorhome, or other RV. In that case, it’s essential for you to protect your recreational investment just like you would your car or your home. 

Rasor Insurance in Celina, TX can help you choose the best insurance to help protect your recreational investments in the case of damage, theft, and other issues while on the road. 

Protecting Your Recreational Investments

Spending money on a boat or RV is a significant milestone for many adults and outdoor enthusiasts ready to explore the great outdoors and get closer to nature in their recreational vehicle of choice.

The right insurance policy can provide you and your loved ones peace of mind while traveling on expressways, highways, public lands, and campgrounds. 

An experienced insurance agent at Rasor Insurance in Celina, TX, can answer your questions about choosing the best RV insurance. They can also provide important information about recreational insurance add-ons like towing and emergency roadside assistance for RVs. 

Recreational Liability Coverage for Peace of Mind

When you have the right insurance coverage, recreational insurance provides peace of mind for policyholders who know that your favorite water toys, ATVs, UTVs, and RVs can be repaired or replaced in the event of theft or an accident. 

Accidents happen, and when they do, you don’t want you and your family to be caught off guard or stranded on the roadside. Get answers to your questions about how to buy RV insurance and how much it costs when you talk to an experienced insurance agent at Rasor Insurance.  

Get a custom quote for recreational insurance in Texas — Contact an Agent Today! 

Renter’s Maintenance Responsibilities

Many people choose to rent because they like the fact that most maintenance responsibilities fall on the landlord. This can be an excellent arrangement for people who do not have the time or resources to perform maintenance on a property. However, you should be aware that a rental lease will usually outline some maintenance responsibilities that do fall on the tenant. At Rasor Insurance, serving Celina, TX, and the surrounding areas, we want to help renters understand their responsibilities better. Keep reading to learn about common renter’s maintenance responsibilities. 

Cleaning and Decluttering 

One of the most common responsibilities you will have for rental property will be the responsibility to clean and declutter the property regularly. You might not think of this as a maintenance task, but it is. When a property is not kept clean, it can lead to pest infestations and other problems. When clutter is allowed to accumulate, it can also cause pest infestations and fire and health risks. 

Damaged Windows

A rental lease may also require that you replace any damaged windows during your stay in the home. This is a reasonable request, especially if you are the one who damages the window. 

Damaged Faucets and Lighting 

Another item you might be required to replace would be damaged faucets or lighting that you damage while living in the home. Most landlords do not want to spend extra money repairing things that you damaged. Be sure to take good care of the property to minimize damage in the first place. If damage does happen, be sure to replace the items quickly. 

If you would like to learn about renter’s insurance, please get in touch with us at Rasor Insurance, serving Celina, TX, and the surrounding areas. 

Who Needs RV Insurance?

If you plan on taking a road trip during the summer months, you have probably considered buying or renting an RV. For people who don’t know, RV stands for recreational vehicle. If you go that route, there are certain steps that you need to take before you hop into the RV and drive. One of these steps is getting insurance for your recreational vehicle.

What is RV insurance?

RV insurance is insurance protection for a recreational vehicle or RV. A few different types of coverage are available, including property damage and bodily injury liability coverage, personal property coverage, comprehensive and collision coverage, and uninsured or underinsured motorist coverage.

Who needs RV insurance?

You should probably get RV insurance if you have an RV or plan to own or rent one soon. Most states in the United States require drivers to have a minimum amount of liability coverage. How much you need to reach the minimum amount depends on the state you are in.

On top of the required liability insurance, Texas also requires uninsured or underinsured motorist coverage.

Even if insurance weren’t required, it would still be a good idea to have RV insurance. If an accident happens and you don’t have insurance, you could be responsible for thousands of dollars worth of damage with no way to pay it all off. 

Here’s how this would work. Let’s say you caused an accident in your RV. The other driver would file a liability claim on your insurance policy. Your insurance would pay for the damage and injuries to the other party. If you don’t have enough insurance coverage to cover it, the other party could sue for the damage and medical costs.

Contact Rasor Insurance

To get a quote for your RV insurance, call us at Rasor Insurance in Celina, TX.

Five Benefits of Choosing The Right Motorcycle Insurance in Texas

When you own a motorcycle, you understand the importance of protecting your investment with motorcycle insurance. However, not all insurance policies will meet your needs. 

At Rasor Insurance in Celina, TX, we understand the unique needs of motorcycle owners and offer various insurance options to meet those needs.

Benefits of Choosing the Right Motorcycle Insurance Policy

  1. Financial Protection: Motorcycle accidents can be expensive, and the right insurance policy can provide financial protection in the event of an accident. With the right coverage, you can avoid paying out of pocket for damages, medical bills, and legal fees.
  2. Peace of Mind: Knowing you have adequate insurance coverage for your motorcycle can provide peace of mind. You can ride with confidence, knowing that you are protected in the event of an accident.
  3. Customized Coverage: Motorcycle insurance policies can be customized to fit your specific needs. At Rasor Insurance, we work with you to find the right coverage options that fit your budget and provide the protection you need.
  4. Legal Requirements: In Texas, motorcycle insurance is a legal requirement. Choosing the right insurance policy ensures that you comply with state laws.
  5. Access to Expert Advice: When you choose Rasor Insurance, you can access expert advice from our knowledgeable agents. Seasoned insurance agents can help you navigate the complex world of motorcycle insurance and ensure you have the right coverage for your needs.

Texas Motorcycle Insurance

Choosing the right motorcycle insurance policy can provide financial protection and access to expert advice. At Rasor Insurance in Celina, TX, we are committed to providing affordable motorcycle insurance options. Contact us today to get a quote for motorcycle insurance in Texas. 

What Celina Residents Need To Know About Boating

Is Celina, TX good for boating?

Celina, TX is an excellent city for boating enthusiasts. Lake Lewisville, Lake Texoma, and Lake Ray Roberts are all an easy drive away. These popular lakes offer a variety of boating opportunities, including kayaking, fishing, leisure, and more. The wide range of activities and ease of access all make Celina a boater’s dream come true. 

How can Celina, TX residents protect their boats?

Boat ownership is a significant investment, and protecting it from damage and theft is essential. Here are some steps that Celina, TX residents can take to safeguard their boats:

  • Store your boat securely: Store your boat in a secure location, either at your home or a marina, to reduce the risk of theft.
  • Invest in locks and alarms: Good quality locks and alarms can deter theft and help protect your boat.
  • Regular maintenance: Regular maintenance is crucial to keep your boat in good working order and prevent potential problems from becoming more significant and expensive to repair.
  • Purchase boat insurance from a reputable firm, like Rasor Insurance, to protect yourself from loss or damage. 

In addition to keeping your boat safe, you should familiarize yourself with local regulations and safety guidelines. Different parks and regions can have various regulations, so checking before you push out onto the water is critical.

Can boat insurance protect Celina, TX residents?

While accidents are preventable, they’re seldom predictable. Enjoying your time on the water is nearly impossible if you’re more worried about loss than having a great time. Ultimately, boat insurance is the best way to protect the investment you’ve made in your boat.

While Texas homeowners’ policies may cover your boat, they are limited and may not offer the best protection. Rasor Insurance agents serving Celina, TX understand local laws and regulations. We’re ready to help you navigate your options and make the best choice to protect your boat. Contact us today to learn more. 

What is business interruption insurance?

When you visit Rasor Insurance to purchase commercial insurance for your Celina, TX business, you will find many opportunities to customize your policy. One option we recommend to every business, business interruption coverage, protects your business from financial loss in various situations.

Business Interruption Defined

Any naturally occurring event that causes your business to cease functioning for a period of time qualifies as a business interruption. Examples of this include wildfires, tornados, earthquakes, etc. A fire at your place of business also qualifies. Although not a natural hazard, if your boiler breaks down and you had it listed under potential risks covered by business interruption coverage, it covers that, too. Some policies cover shut down by civil authorities. Most policies no longer cover pandemics. Ask your insurance agent specifically what the policy you intend to buy covers.

How Business Interruption Coverage Helps

Business interruption coverage pays you for the business income lost during the event. You must show specific lost income using accepted accounting methods. If the event occurred but did not cause a loss of business income for your company, you cannot file a successful claim.
By adding this coverage to your commercial package, you will also obtain operating expenses payments, funds for loan payments, payroll, taxes, and to pay rent on a second location so that you can re-open.

Buying Business Interruption Coverage

You can only purchase this type of coverage as a part of a larger policy. We offer this coverage as an add-on rider.

Contact Rasor Insurance in Celina, TX for more information on business interruption coverage. Let us help you protect your business from loss.

How can a commercial insurance plan help me?

Anyone looking to start their own company will want to consider doing so in Celina, TX. This is a growing community that offers a lot of benefits to small business owners. When you build a company here, you will have various choices along the way. One crucial choice will come when you build an insurance plan. A commercial insurance plan offers multiple forms of support that can help you and your business. 

Liability Risk Mitigation

One of the ways that a commercial insurance plan can help your Celina business is by mitigating your liability risks. There are always risks that come with running a business. If you are found liable for damages incurred by a customer or other party, you will be responsible for restitution. Your commercial insurance plan will provide support in these situations. 

Protect Business Assets

Business owners must also ensure that their company assets are covered and protected. When you have commercial insurance, it can be used to cover all assets owned by your organization. The proper insurance in place helps to ensure you can repair or replace these assets if they are stolen, damaged, or incur another type of loss. This can help to minimize disruption and allow you to avoid significant setbacks. 

If you are going to be a business owner in the Celina, TX area, you always want to be assured that you are adequately insured. One of the best ways to insure your company is by getting a commercial insurance plan through Rasor Insurance. Many choices need to be made when you are looking for coverage, and Rasor Insurance will offer any guidance you need to build a policy that adequately covers your business. 

Can I get auto insurance if I don’t own a car?

Many people think that you need to own a car in order to get auto insurance. However, that is not the case! In Celina, TX, Rasor Insurance offers Non-Owner Car Insurance policies This type of policy is for people who do not own a vehicle but still need insurance coverage.

So, why would someone need this type of policy?

There are actually a few reasons. Maybe you use a car for work or frequently rent cars when traveling. Or, perhaps you only drive occasionally and prefer not to own a car outright. Whatever the reason, Non-Owner Car Insurance can provide the coverage you need without breaking the bank.

A Non-Owner Car Insurance policy will typically include liability coverage, which is required by law in Texas. Liability coverage will protect you financially if you are involved in an accident, and it is determined that you are at fault. Your policy may also include collision and comprehensive coverage, although the law does not require this.

Collision coverage will pay to repair the car you are driving if it is damaged in an accident, regardless of who is at fault. Comprehensive coverage will protect the car from damage caused by factors other than an accident, such as theft, fire, or weather damage.

If you don’t own a car but still need auto insurance, a Non-Owner Car Insurance policy may be right for you! This type of policy typically includes liability coverage, which is required by law in Celina, TX. Your policy may also include collision and comprehensive coverage, although the law does not require this. If you have any questions, contact Rasor Insurance. We are here to help!