Tag Archives: Road Trip

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.


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.

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.

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!



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!



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, 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.



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.



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!

Common Car Seat Mistakes

Everybody loves to take road trips during the summer. Whether it’s to the beach or your favorite theme park, nothing beats a pleasant getaway. These drives can be extremely stressful, but you’ll be more relaxed knowing that your child is safe and secure in the backseat. Your child’s safety is the number one priority when traveling any distance and it’s extremely important that they are properly fastened into a stable car seat. Car seat safety professionals will tell you they see a lot of car seats installed incorrectly, and very few done right. Here are some helpful tips on proper car seat installation!


  • It’s vital that you always place your car seat in the backseat. The front seat air bag can pose a serious threat to your child’s safety – should you get involved in an accident. Determine whether you’ll use the seat belt or lower anchors for your fastening method.
  • Make sure you pull the end of the belt tightly from the top of the car seat instead of the side after you connect the straps.
  • If you use seatbelts, they should be self-locking if your car was made after 1997. If they’re not, look to see how to use the metal locking clip that came with your seat or the seat belt lock-off found within your car seat.


  • If you use the lower anchors, read your manual and find out if you’re using the right anchors for whatever position you choose to place the car seat. Contrary to popular belief, most cars do not have lower anchors for the center seat and people often mix up anchors on side seats for ones located in the center. Make sure you tighten the straps once you lock the clips into place!
  • The tether is one of the most important components of a car seat, yet roughly 42% of parents use it. The tether holds the child in place and decreases the risk of head whiplash if involved in an accident. All forward facing car seats should be tethered to the appropriate anchor for the car seat’s position in the back seat. Refer to your manual and install the tether properly to both sets of directions.
  • When you’re finished, grab the car seat where the car or latch belt is holding it and pull it a couple of times to make sure that it’s secure. If it moves more than an inch, check your manual and restart the process.



We value the safety of our customers and especially their little ones. Before you head out on that summer getaway, now is the perfect time to make sure that you’re covered. Give us a call at 1-800-Thanks-Al to make sure that your auto insurance policy is up to date and you’ve got the best rate and coverage possible!


Al’s Texas Tours: Top 5 Texas Taco Joints

IT’S THE FIRST DAY OF SUMMER! What better way to celebrate than indulging in some delicious mouth watering Texas tacos? Each city has their unique spin on this tasty dish, so we decided that it would be a perfect fit for this weeks Al’s Texas Tour! So pack your bags and get ready to experience the top 5 Texas Taco Joints! While we’re at it, be sure to join us at Taco Casa tomorrow afternoon for some free tacos on us! Bon Apatite!



Valentina’s Tex Mex BBQ, Austin – Throughout the years, the city of Austin has embraced its weird cultural lifestyle and it tends to reflect in their tacos. This fantastic taco joint features a menu that combines traditional taco flavors and smoked BBQ. The result? A match made in heaven. Their pork carnitas, beef fajitas and brisket tacos will simply blow your taste buds away.




Torchy’s Tacos, Austin, Dallas, Waco, ect. – You’ll be hard pressed to find someone who hasn’t experienced this popular Texas treat. Originally a food truck from Austin, this taco shop boomed in popularity and has expanded to multiple locations all across the state. These tacos are known for their experimental nature, such as a taco with fried chicken, a hot dog and fried avocado. Not to mention their guacamole infused queso is to die for.




Gorditas Aguascalientes, Houston – This hidden Houston gem features home made fresh corn and flour tortillas, which cradle the best taco meats and dressings in town. They’re bigger and pack more ingredients than your average street tacos. The chopped and diced meat is cooked to perfection and then finished with a firestorm of peppers, cilantros and onions.




Chacho’s Tacos, Corpus Christie – This little mom and pop shop busted onto the scene and quickly spread thanks to word of mouth. This restaurant is famous for their signature breakfast tacos, which are comprised of thick rich eggs and meats with an addition of fresh tomatoes, jalapenos and cheese. Their also famous for the All-Mighty Chacho’s Taco Challenge, where you must devour a foot long behemoth breakfast taco in 10 minutes. Many have tried, few have succeeded. Are you up for the challenge?




Taqueria Datapoint, San Antonio – This restaurant makes quite possibly the best Tacos Al Pastor and barbacoa on the planet. The carnitas are infused with various spices and sauces, which result in a flavorful kick with every bite. The miniature tacos feature high-grade meat that is grilled and dressed excellently. If you love spicy, then this is definitely the place for you!


And before you head out on your own Taco road trip, 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!

Enjoy the drive and those delicious Texas Tacos!

Pay It Forward will be held tomorrow, June 21, from 3:00pm – 4:00p, at Saginaw Blvd, Fort Worth, TX 76179