Tag Archives: Affordable Insurance

Back To School Driving Tips

School is back in session! The summer is over, and we are heading straight into a new school year. Back to school means there are more drivers on the road than usual during your morning commute. Most will purposely take alternate routes during the school year to avoid the additional slow down time. However, if you are dropping off a kiddo, there isn’t any other choice. Here are our Back to School Driving tips from TXDOT.GOV to help make the commute a little easier and avoid fines.

Tips for Driving in School Zones

  • Put away your cell phone. Cell phone use is banned in active school zones, and violators face fines of up to $200 in school zones where signs are posted.

Take this tip very seriously. Don’t be the parent that completely forgot you entered a school zone and up getting a ticket for being on the phone. Check your city requirements- as some city ordinances have banned cell phone use while driving altogether.  

  • Always obey school zone speed limit signs. Remember, traffic fines usually double in school zones.

Even when you think there aren’t any police officers around, they’re there!  

  • Drop off and pick up your children in your school’s designated areas, not the middle of the street.

This is a hard one to follow, especially at the beginning of the school year. The pickup and drop-off line will get better. It always starts out rocky, but the process does get smoother. Avoid parking down the road and encouraging your schooler to meet you elsewhere. Your tax dollars pay for the cross guard and the necessary crosswalk to ensure your child’s safety, utilize it.

  • Keep an eye on children gathered at bus stops.

We all know how dreadful it is to be stuck behind a school bus as they make each stop, but remember it is unlawful to pass a school bus when they have their flashing lights on.

  • Be alert for children who might dart across the street or between vehicles on their way to school.

Be cautious of that Wilding!

Tips for Children Walking or Biking to School

  • Always cross at intersections and designated crosswalks. Look left, right and then left again before proceeding.
  • Look for traffic when stepping off a bus or from behind parked cars.
  • Make eye contact with drivers before crossing the street.
  • Always obey crossing guards.
  • Always wear a helmet when riding a bicycle.

Remember these safety tips as you approach a school zone. Don’t end up in a situation that could cost you hundreds of dollars in fines and possibly injure someone. School is just beginning, and we wish everyone a great and safe year!

Your Local Independent Agent,

Al Boenker Insurance

For more information visit thanksal.com

Follow us on our social media for additional tips @thanksal Instagram and Facebook 

What amount of insurance coverage do I need?

What insurance coverage do I need?

What insurance coverage do I need? Are you covered… Enough? Did you know that big life changes such as having a baby, getting married, buying a new home, or sending a child off to college may require you to adjust the amount of coverage?

Milestones are meant to be celebrated and are an exciting time in life. However, how would you like to find out that life’s most amazing moments could leave your household without the proper coverage? You wouldn’t buy a car without taking it for a test drive right. The same thing should be said about speaking with your Al Boenker Insurance Agent before an important change.

Adding a bedroom to the house may mean it’s time to re-evaluate your home owner’s policy to keep it up-to-date with the square footage. Or moving your college driver to another “garage,” is a sign it’s time to chat with your agent to determine coverage for a driver that is no longer living in your home.

Don’t let yourself get caught without the assurance your family is protected. Bring on all the major good-feeling moments life has the pleasure of giving us and speak with your Al Boenker agent today.

Also, this is a great opportunity to review that your policies are up-to-date and you got the best deal for your insurance needs.

Give us a call at 1-800-THANKSAL or visit us online at www.thanksal.com

Remember we got you covered!

Recreational Vehicles Insurance 101

Recreational vehicles summer

Recreational vehicles, boats and watercraft just give you all the summer feels. And now that school is out, vacation and travel are on everyone’s summer list.

However, with all good things, we must prepare for the not so pleasant. And knowing the amount and type of coverage you have in case of an accident can give some peace of mind.

So what kinds of insurance coverages do you need? Here is quick break down on coverages for the different type of vehicles.

Boat

There are widely different coverages for different styles of vehicles. The most standard coverages you are going to seek is for:

  • Physical damage (motor, vessel, anchors, and onboard equipment)
  • Liability (in case your boat injurers someone else or their property)
  • Additional coverages can be offered for storage, fishing equipment, and personal items stored on board.
Motor Home/Recreational Vehicles (RV)

Your motorhome or Recreational Vehicle (RV) is more than just a vehicle and needs more than just standard auto insurance. Recreational vehicles coverages include:

  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.
5th Wheel

Your auto policy doesn’t cover your haul like you may think. Here are some standard coverages your 5th wheel will need.

  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.

5th wheels have similar coverage to your motorhome or recreational vehicles but due to its attachment style, there can be different needs.

Personal Watercraft

PWC insurance helps ensure you and your personal watercraft against accidents, vandalism, and liability. Typical coverages include:

  • Collison, theft, fire, vandalism, water damage, and storm damage. Your standard coverage is meant to ensure risk to the PWC and owner.
  • Expanded coverages include medical bills, full replacement cost, towing and roadside assistance.
Off-Road Vehicles

ATV’s are a guaranteed fun time! However, protecting yourself cannot be guaranteed. Off-road vehicles are considered to be a little more dangerous and in return protect against accidents, injury, and theft. Here are the standard coverages offered to ATV’s.

  • Liability Coverage- covers the cost of bodily injury and property damage.
  • Collision- will assist in paying for damages to the machine after an accident.
  • Comprehensive and under/uninsured motorist are additional coverages. It can cover you from theft, vandalism and weather damage.

As you can see, there are several different coverages and possibilities that you might need. Each recreational vehicle has different parameters and restrictions.

The best choice to determine the right amount of coverage is to speak with your Al Boenker Insurance agent. Their expertise and knowledge will help you determine the value of your recreational vehicle and its content, and help make you make the best-informed decision. Being informed is empowering!

Now take your knowledge and have a safe and fun summer! For more information visit thanksal.com.

Preparing for High Waters

Prepare for the flood. Most don’t begin to prepare until it is too late. Check out the seamless process and take the necessary steps to prepare for high waters beforehand.

Before the Flood

Elevate any electrical components that might cause a fire. Examples include heating units, air condition units, and wiring appliances 

Clear any debris from gutters and runoffs. Clean gutters allow them to work properly and alleviate access water from your home. Ensure the run-off area is clear, giving the water the ability to flow down instead of buildup in your yard or at the base of your home.

Fuel Tanks If you have fuel tanks or equipment with fuel inside- be sure to anchor them down. Additional fuel may be necessary for flooding situations but prepare to store tanks higher up and secure them properly.

Valuables If possible, move valuables to a safe place.

Ensure any documents that you might need are in a secure place and accessible if you need to grab them. Examples include birth certificates, insurance documents, passports, etc.) Invest in a safe deposit box if applicable.

Prepare a safety kit- include water, non-perishable foods, safety supplies (flashlights, medicines, first aid equipment, and a battery-operated radio. Kick it old school, have these items ready to go when you are.

Plan and practice a flood evacuation route. Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number (from fema.com).

Pet Plan Come up with a pet plan in case you have to evacuate. Many shelters will not take pets in for flood reasons. Ensure you have additional food and water for your animal and any necessary crates if you have to evacuate. Pet life jackets can be purchased here.

Check your insurance policy and make sure you have adequate coverage. 

Standard Home Policies do not offer flood insurance. Speak with your agent and ensure your policy includes flood coverage. Remember, flood insurance has a future effective date (usually 30 days out) so establish coverage beforehand. Flood insurance is offered to homeowners, business owners, and renters.

Know your risk of flood possibilities. Are you in a classified flood zone? Click here and input your address to see where you are on the flood map.

Conduct a household inventory. Take photos prior to the flood. Determine the value of your assets and store all insurance documents securely. The items will be of much value when it comes time to file a claim.

No one wants to be caught off guard with no time to prepare. As a family, come up with a plan that you’re confident with. Remember as much as you prepare and plan, the weather is always unpredictable. These steps are only here to give you peace of mind in case of an emergency.  Check out the complete guide to flood readiness here.

 

Home Warranty vs. Home Owner Insurance


Image source: hscwarranty.com

 

Buying a new home is one of the most joyous times in your life. It’s a huge milestone many dream of! However, as joyous as it is – the stress can easily pile up! From mortgage companies to home insurance, there are so many moving parts to the entire process. One thing that may not be on your mind is the damages your new home may one day face.

Repairing a roof from recent hail damage or replacing an outdated appliance- these are things that may come up. Depending on what needs to be repaired or replaced – and why – a home insurance or home warranty policy may offer protection. Both offer coverage but different types of protection. So, what’s the difference?

Home Warranty Insurance Covers the repair or replacement of broken appliances due to normal wear and tear. Examples include water heater, garage doors, air condition unit, dishwasher, and possible plumbing and electrical. A basic policy can range from $300-$500 a year. If a claim needs to be made the insured will call the warranty company which then sends a pre-approved contractor to inspect the damage. If the damages are covered, the homeowner will pay a $30-$50 deductible and the repair or replacement is taken care of and there are no additional charges. This process is very similar to an auto collision when there is damage and the adjuster comes out and accesses the damages, the deductible is paid, and repairs are made.

Home repairs can be costly. Replacing an entire water heater can cost up in the thousands. With your home warranty in place, you pay your deductible and the rest is taken care. The policy more than pays for its self in this situation. A home warranty policy is worth the while but is not required.

Some exclusions apply such as “covered under a manufacturer’s warranty” appliances. In this case, your contractor will help you determine if the appliance is still under manufacturer warranty.

Home Owners Insurance Covers theft of your belongings or if your home is damaged by fire. A standard policy helps pay for damage and repairs to your home or replace personal property during these types of events. However, homeowner’s insurance typically will not provide protection if, for instance, your air conditioner or other appliance breaks down or is defective.

 With your homeowner policy, you also get legal protection in case an accident occurs on your property.

It’s important to note that coverage limits will always apply. An Al Boenker Insurance Agent can help you determine whether you have enough protection in place should you experience a loss. Home warranty and homeowner offer different coverages that you may find beneficial- to determine what you might need talk with your agent today.  Give us a call @ 1-800-ThanksAl.