Tag Archives: Austin

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Repairing a roof from recent hail damage or replacing an outdated appliance- these are things that may come up.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.

5 Summer Weekend Getaways

Say, “Hello” all across Texas this summer. A nice weekend exploring one or all of these destinations will have your family eager to pack up the car and hit the road!

Garner State Park, Concan
Garner State Park is a must! The cool temps of the Frio River will keep you cooled off all day. There are several activities to do including hiking, camping, tube floating, kayaking and paddle boarding. Get this trip on the calendar soon as campsite and cabins begin to fill up for the remaining summer months. To make reservations and check out the complete list of activities, click here.

Hamilton Pool, Dripping Springs
Take a dive into the 12-foot-wide cove at Hamilton Pool Reserve in Dripping Springs. Reservations are required as they only allow a limited number in from 9-12pm and 1-5pm.
Call ahead or visit them online to reserve your time spot. The oasis has public bathrooms and hiking trails. However, there is not any food or drink stops, so pack a light bag of snacks and water. Hamilton Pool only excepts cash when paying on site. This refreshing hole is the perfect getaway right outside of Austin city limits. Will your gang make that jump?

Houston Museum District, Houston
The Child’s Museum of Houston, voted “America’s No. 1 Children’s Museum”, by Parents Magazine, is the ultimate kids getaway. With 19 museums in the area, your gang will have a ton to do! Stop by the Houston Zoo and wander onto Waugh Street Bridge to watch the bats emerge at nightfall! Get all the details here.

BSR Cable Park, Waco
Want an adult weekend getaway? Barefoot Ski Ranch is the new hot spot this summer! The Cable Park just opened Summer 2018 and is home to America’s longest lazy river at nearly one-mile long. Take a plunge on the Royal Flush slides or enjoy the surf wave cable park. If your kids are dare-devils and can hang, bring ’em along for the fun at the adventure park. Want to slow down a little? Spend Sunday afternoon at Magnolia Markets, wondering through the Silos and shops. Regardless of your preference, Waco has grown into a popular weekend destination spot for all.

Krause Springs, Spicewood
Krause Springs is privately owned by the Krause family and was founded in 1955. The well-known camping and swimming site is located in the hill country about 30 miles west of Austin. Reserve a camp spot for a weekend stay and visit the 32 springs on the property. Did I mention there are a beautiful waterfall, grotto, and natural pools? Explore the butterfly garden, hike through trails or take a dip in the manmade pool that is fed by the springs. This weekend getaway will be one for the books! Book a camping site here.

Where ever your family goes this summer, remember to give your car a quick checkup (check tire pressure, oil level, and coolant levels) to ensure your safety. Go with confidence with auto, RV, boat or ATV insurance today! Contact your Al Boenker Insurance at 1-800-thanksal or online at thanksal.com.

Summers Buys to Boost Your Backyard

Want to keep the kiddos outside this summer? School is coming to an end and it’s time to start thinking about how you and your family are going to enjoy those summer nights. Here are a few ideas that will have the whole family excited to hang out in the backyard!

 

  1. Update that same ol’ swing set- Change out that baby swing the kids have outgrown, and give them a place to hide out. The hammock pods from Amazon; $29.45, give your kiddo the perfect space to hang out- outside! The set includes are the tools necessary to be hung from a swing set or tree.

  1. Zipline across the backyard. Turn your backyard into an adventure park! Everyone ages 8 and up can enjoy the complete zip line kit from Slackers Zipline; $76.94. Suspend the zip line cable from two trees and watch your child soar through the backyard, safely.

  1. Nothing beats a classic game of corn hole. Find these portable PVC pipe cornhole boards on Amazon for the perfect summer game. Everyone can enjoy them, whether in the pool or out in the lawn. Available for $36.99.

  1. Here’s a new approach to s’mores. Don’t have a fire pit? No problem! Roast some s’mores after burgers- on the grill, in the oven when your backyard picnic gets rained out or atop a portable grill at a tailgate. The S’more to Love Basket, cooks the dessert evenly, making for the best s’mores experience! Forget about the marshmallow catching fire or falling in. Available from Amazon; $13.99.

  1. Can’t forget the old faithful sprinkler- This year, be the talk of the neighborhood with the coolest water sprinkler on the block! The Ginormous Unicorn Sprinkler will keep the kids cooled off and running around the backyard all day. How could one not love a giant 6ft unicorn with water spewing out the horn?! Available at Target, $50.

  1. How cool is this 2-in1 extender table?! This is a must-have for all backyard entertainers. Serve snacks on the top and keep drinks cold on the bottom. Use either fully extended for the perfect cocktail table height or collapsed for the ideal side table.

  1. Who will be the magician of the bunch? Take the fire pit up a notch and throw in the Magic Flame Pocket. Watch your youngster get excited as the flames change colors. The 12-pack from Amazon is available for $7.99.

 

  1. Take dinner outside. Enjoy a pizza -fireside. The Pizza Stone, $14.90 turns dinner time all around. Have the family hand make individual pizzas and cook them over the fire or on the grill. Just like that, the kids didn’t even know they prepped their own meal. Win-Win! If you decide to cook over the fire pit, make sure you have a rack to set your stone on.

These small buys get the whole family outside and enjoying the summer sun. Pick a few items and plan to spend as much time enjoying your yard this summer. Don’t forget the fresh watermelon, sunblock and unlimited popsicles to top the day off!

Top 5 Texas Weekend Getaways

Al's Texas Tours

Believe it or not, but we have officially entered the final month of summer vacation. Soon we’ll be sending our kids back to school and counting the days until football season and cooler weather. In the meantime, why not take advantage of these next couple of weeks and plan a quick weekend getaway? There are plenty of fun places to visit in Texas that are affordable and easy to arrange. Check out our top 5 Texas Weekend Getaways!

 

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Corpus Christie, TX – Honestly, who doesn’t love the beach? If you’re craving some sun, sand and waves then head on down to this destination by the Gulf. Not only is this home to the best beaches in Texas, there’s also a multitude of restaurants, nightclubs and other tourist attractions. Make sure you take a tour of the U.S.S. Lexington and take the kids to the Texas State Aquarium!

 

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Austin, TX – “Keep Austin Weird” is a fitting motto for the Lone Star Capital. There are hundreds of fun, exotic activities that will result in one busy weekend full of excitement. You can check out a concert at one of their many local venues or take a dip in Barton Springs. Don’t forget to stop by the world famous Franklin’s BBQ for lunch!

 

Fredericksburg_historic_district_2008

Fredericksburg, TX – If you’re looking for a more romantic getaway, then look no further than this quaint little Texas treasure. Fredericksburg is known for it’s beautiful views and famous southern vineyards that hold tours and tastings. Top the evening off at one of their many dancehalls for an unforgettable time and the perfect date.

 

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Marfa, TX – This unique location is home to some of the most bizarre must see attractions you’ll come across. The Marfa Mystery Lights experience is something to behold and will surely bring the conspiracy theorist out of you. Other highlights are the Marfa Prada store, which bodes great for pictures as well as white water rafting on the Angell Expeditions.

 

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Paris, TX – No, not the Paris with the Eiffel Tower, although, this peaceful little town does have it’s own Texas style version of the famous French landmark. Paris, TX is rich with old traditional values and Texas history, full of museums, historic sites and other fun family friendly activities. This spot is great for antique shopping as well!

 

Before you head out for your weekend getaway, make sure that you’re covered. Give us at call at 1-800-Thanks-Al to make sure that your auto, home, boat, RV insurance policy is update to date and you’ve got the best rate and coverage possible! Now go out and plan your trip – Adventure awaits!

Best Fourth of July Events in Texas

Hotdogs, Fireworks and Freedom!

Only one event comes to mind when bunching these all American essentials together – Independence Day! This summer highlight brings about parades, cookouts, and thrilling entertainment. It’s also a moment to cherish with your family as we honor and celebrate the birth of our great nation. Texans are no strangers to celebrating their independence and freedoms, so we decided to take you on a journey throughout Texas to discover the best Fourth of July events our great state has to offer!

 

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Fort Worth’s Fourth, Fort Worth, TX-This event is one of the biggest family friendly Fourth of July bashes in North Texas. Located on the Trinity River and Panther Pavilion, families can go tubing in the cool water while listening to live music on the shore. Your children will absolutely love the KidZone, which includes zip lines, water slides, pony rides and interactive exhibits. Also, be sure to stop by the Al Boenker Insurance booth for some free goodies and a chance to win a Yeti cooler, tumblers and other great merchandise!

 

Kaboom

Kaboom Town, Addison TX – If you’re a sucker for spectacular fireworks shows than this is the place for you! This fireworks show was named #2 in the country by yahoo.com and is ranked as one of the top fireworks displays in the country by USA Today and The Wall Street Journal. That’s not the only thing this venue has to offer. Enjoy lots of family fun, including a fun family games, a full carnival, amazing concessions and an airshow featuring stunt pilots.

 

Houston

Independence Day Celebration, Houston, TX – This prominent Houston celebration kicks off with a grand parade that showcases patriotic floats and honors local heroes. The other festivities are held in Stevenson Park where over 50 booth entries, rides, games, food, and live entertainment for the entire family will take place. And for the grand finale, the celebration concludes with a colorful fireworks extravaganza!

 

Austin

July 4th Austin Symphony Concert and Fireworks, Austin, TX – If you’re looking for a more relaxed and romantic evening, then check out this great outdoor event. Bring your picnic gear and spend the evening listening to the Austin Symphony play classic patriotic hits complete with a fireworks display over the Austin city skyline.

 

SanAntonio

Woodlawn Lake Celebration, San Antonio, TX – This event is a melting pot for different attractions and interactive events. You and your family can participate in the 1k and 5k marathons as well as the Children’s Red, White and Blue parade. They also host a carnival and military appreciation space where you can give thanks to our troops. Enjoy live music, great food and cap off your night with, you guessed it, a dazzling fireworks show!

 

Before we celebrate our freedom next week, now is the perfect time to make sure that you are covered.  Give us at call at 1-800-Thanks-Al to make sure that your auto insurance policy is update to date and you’ve got the best rate and coverage possible! Come join us next Monday, July 4th at Fort Worth’s Fourth Celebration from 2:00 – 10:00 at 395 Purcey Street, Fort Worth, TX 76102. Find out more information here.