Tag Archives: insurance

3 Benefits of Choosing ABI

What are the benefits of choosing an independent insurance agent from ABI (Al Boenker Insurance)?

We know that a lot of the time the question arise on what is the advantage of going with an ABI insurance agent rather than just going directly to a company to get insurance.

Here we tell you some of the benefits we usually hear fom our clients why they choose working with us.

1. Carry multiple insurance carriers = more options

At ABI we represent many insurance companies, therefore are able to shop around between tons fo carriers for you. In comparison, a captive agent partners with only one insurance company, limiting their. This allows us to find the best option that competely fits your needs in every single way. We save you time by not having to fill several applications to get a quote each time. We will evaluate all possible factors to accomplish the best rate for your exact needs.

2. Exceptional customer service

If you get in an accident and need help understanding insurance language, we are there for you. If you need to file a claim and not sure how to do it, we are also there for you. You need a fast reply regarding your policy, we are there for you. Our licensed professionals will provide you with their knowledge and guidance. They will be doing all the work for you. We are there for you for all your needs, and will make sure that the service provided is always fast and easy.

3. Being always the priority to us

We customize our options for you. Comparing it to a captive agent or an insurance company, we are able to evaluate and review your exact needs. There is no a one-size fits all, and therefore we need to find the right one for you. We understand you, as we are your neighbors. We belong to this community as well, and your coverage is our priority.

At Al Boenker Insurance agent we will make sure that you get these benefits that you won’t get anywhere else. That is why Al Boenker gotcha’ covered!

For more information on all of our services we offer for you visit thanksal.com

Learn if the amount of coverage you got is the right one.

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!

Top Texas Lake Spots


Photo courtesy: Possum Kingdom Lake

Summers in Texas can get hot…extremely hot. What better way to combat this intense heat than to take a trip to the lake? With your Boating 101, it’s a perfect time to hit the water. Whether you enjoy fishing, water sports, or just relaxing on the vessel with some friends, there are plenty of activities to look forward to on the water. Texas is scattered with over 170 vast beautiful lakes that are primed and ready to be explored. However, we’ve narrowed down that list to our top 6 to help make your lake getaway planning a little easier.

Here are our Best Texas Lake Getaways

  1. Lake Texoma– Unfortunately, we have to share this beautiful grand lake with Oklahoma, but we’ll still consider it a Texas lake. Lake Texoma is the 12th largest lake in the United States and it contains some of the best fishing in the state of Texas. This lake holds bass that weigh up to 20 lbs as well as various types of catfish and crappie. With over 1,000 miles of shoreline, there’s plenty of room for swimming as well as a ton of trails for horseback riding and hiking!
  2. Possum Kingdom Lake– This Lake resides about an hour west of Dallas/Fort Worth and features tons of fun activities for the whole family. Take the boat out on this gorgeous lake for some fishing, swimming, scuba diving, snorkeling and water sports. The marina offers rentals for wakeboards, kneeboards, water skis and tubes, so you’re covered if you arrive empty-handed. While you’re there, make sure you check out the infamous “Hell’s Gate” cliff formation in the lake. You can even go cliff diving if you’re brave enough!
  3. Lake O’ the Pines– Have your camera charged if you’re looking to visit this lake because the sights here are out of this world. This beautiful lake has thousands of pine trees that stretch across miles of shoreline. Not only does the shoreline serve as a great photo backdrop, but it also offers a ton of awesome amenities such as campgrounds, picnic spots, beachfront and boating ramps. If you enjoy fishing then you’re in luck! This lake is filled with a wide variety of bass, chain pickerel, sunfish, and crappie.
  4. Sam Rayburn Reservoir– If you’re a fishing fanatic then this is the destination for you! This spot hosts over 300 fishing tournaments every year and it is filled with largemouth bass, bluegill, catfish and red ear sunfish. Being the largest reservoir in Deep East Texas, this location offers a ton of great amenities such as swimming, boating, water sports, nature trails and camping grounds.
  5. Lake Travis– Located in the Austin, is one of the most popular lakes for recreational activities in Texas. Here you will find a large shoreline where camping and picnicking are very popular. Want some adventure on the water?  Boating, scuba diving, and swimming are popular activities in enjoyed at the lake. Don’t forget to stop at The Oasis and make sure you’re there at dusk and get your camera ready when the sunset bell starts ringing.
  6. Lake Conroe– Lake Conroe is located approx. 60 miles north of Houston. With lavish homes belonging to retired basketball players Rudolph Tomjanovich and Aaron Grey, and retired baseball pitcher Clemens lining the shoreline, there is no wonder why this is a popular spot.  It is a top spot for fishing, wakeboarding, jet skiing, and boating. Surrounding Lake Conroe is the Sam Houston National Forest, Waterpoint Center, 10 marinas and some of best golf courses in Texas.

Before planning your lake getaway now is a great time to make sure that all of your boat insurance needs are up-to-date. Give us a call to have an agent review your policy to confirm that your auto insurance has the right amount of coverage for your family and your needs. We can also ensure that you are getting the best rate for your policy. You might even qualify for additional discounts, especially if you have your home insured through us!

From all of us at Al Boenker Insurance, we hope you stay safe and have a great time. Remember boat safety and etiquette, Oh, and don’t forget those life jackets!

Smart Home Technology

Can Having Smart Home Features Save You on Your Home Insurance? Does a smart home sound crazy? What if incorporating smart home technology systems in your home could help you save on your home insurance premiums? The capabilities have been around for quite some time, but they are more affordable than ever. You don’t have to be a tech wiz to get started integrating technology into your home.

Here are a few advances that can get you started in the smart home realm:

  1. Installing smart smoke and carbon monoxide detectors– if you can imagine being away from your home and getting notified directly on your phone that there is a fire in your home! First responders are notified immediately and hopefully are able to manage the fire before there is massive damage.
  2. Smart alarm systems offer you the option to see what is going on in and around your home directly from your phone. Wi-Fi and Bluetooth security cameras offer you the ability to detect a burglary or misconduct without being at home. Police are notified immediately and help minimize loss.
  3. Water monitors are being installed all across new home homes. Water detectors notify you if there is a leak and give you the option to turn off your water from a push of a button. Getting notified early can limit the amount of damage your home receives.

Other smart home systems just make for a seamless everyday life.

  • Climate control thermostats such as Nest, automatically adjust the temperature of your home in real time, saving you money and energy!
  • Smart locks are a seamless addition to your home. Forget to lock the door on the way out? Or need to let someone in? The smart doorbell has a camera that shows you who is at your door and gives you the ability to unlock and lock your door right from the palm of your hand.
  • Lighting control gives you the ability to turn on and off lights and appliances all over your home. You no longer have to run all around the house before heading out making sure everything is off. I bet you can imagine home much money you can be saving on your electricity.

However, transitioning to a complete smart home can be costly and can make you vulnerable to hackers. Install a strong password and ensure you have a secure connection. Implement a few at a time and incorporate Amazon’s Alexa or Google Home to give you seamless implantation.

Simple smart devices that warn of impending danger or destruction offer more comprehensive coverage and greater peace of mind. These installations minimize damage and risk, detecting issues immediately, making homes run more efficiently and ultimately lowering the number of claims that are made. Find out what kind of savings your Al Boenker Insurance agent can help you save, 1-800-thanksal.com or www.thanksal.com