Tag Archives: RV Insurance

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.

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.

Boating Insurance 101

 

With spring in full swing, it’s time to get the boat uncovered and ready for the lake. There is nothing more exhilarating than taking on the open water with the wind blowing and rays beaming. One thing that is not so appealing is Boat Insurance. What is it? and how do you begin to know what the right coverage is? When it comes to insurance coverage for your boat, you can imagine that an everyday runaround boat is similar to getting auto insurance versus a large yacht, which would resemble a small home insurance policy.

Here are a few tips on finding the right coverage and getting your boat ready for the water!

Why do I need boat insurance?

Unfortunately, your home insurance does not cover your boat. There is a slight possibility that your home coverage could stretch to a very small boat- most likely without an engine but not likely. Just like your vehicle is not covered by your home policy, neither are watersport vehicles. Why may you ask? A boat is a portable vehicle- not stationary. Your home policy is covering things that don’t necessarily move. If you are new boat owner there is a possibility you could save on your boat coverage by bundling with your home insurance provider.

What is boat insurance?

Boat insurance can be looked at like a combination of auto and home insurance. There a few main things you need coverage for, then you have the extras. Similar to a home policy, you will be covered if there is an accident or someone gets injured while riding in or operating your boat. Protection for the boat owner is there, similar to a homeowner. Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something. You can also add comprehensive coverage that offers theft protection, damage against fire or flood, personal property coverage for any equipment on the boat, uninsured boaters, damage to the trailer, and roadside assistance if you need to be towed. Consider these additional coverages if your boat is stored off-site or if you have a large quantity of gear or equipment. Check out a list of coverage here.

When is my boat covered?

So, your boat is covered regardless if you are in the water or not. The amount of coverage is what comes into play. If you are pulling the boat down the highway and are in an accident or back end to someone your auto policy takes over- but only the limits on that policy. There is a chance your homeowner’s policy will cover some accidents if the boat is parked on your property. If you plan to travel far out into the ocean there can be limitations on the distance you are covered. Check with your insurance agent if off-shore boating is going to be your main source of travel. In the meantime, a one-time policy can be purchased if you need to move your boat or if there is an indication of a natural disaster coming that will require the boat to move.

Know that you have a couple of boating insurance questions answered, download your spring boating checklist from DISOVERBOATING.COM and get ready to have a safe and fun boating season! 7914_DB14_Spring_Startup_Checklist

Give us a call at 1-800-THANKSAL or visit us online at www.thanksal.com to get a free quote and see how you can save while bundling your insurance.

 

 

 

 

 

Why an Al Boenker Insurance Agent?

Have you ever wondered what the difference is between an independent insurance agent and a standard broker?

why an al boenker insurance agent1. Independent Agents Shop Multiple Carriers Independent agents are able to shop multiple insurance carriers with one application. Agencies carry contracts with multiple insurance companies (versus just one) and can compare several quotes instantaneously. This is a huge advantage for you, eliminating the need to submit multiple applications to different carriers to find the best and cheapest option.

2. Independent Agents Save Time & Money– With more choices comes a variety of coverage options and price points, saving you time and money. Agents do the shopping and you do the saving.

3. Independent Agents are Licensed Professionals– Agents offer their experience, expert knowledge, and guidance when it comes to selecting the right policy. They are able to explain the complex insurance world to you and make sure you understand all aspects of your policy. When independents set up your policy, they are doing all the research for you- eliminating errors and ensuring your insurance needs are met. According to U.S. Insurance Shopping Study by J.D. Power, “Shoppers are increasingly reliant on agent recommendations when considering and quoting insurers.”1 Be certain that your home and auto are properly covered.

4. Independent Agents are Your Neighbor most agencies are locally owned and community driven. They are your neighbor, belong to community organizations, have children on the same little league team, and attend the same church. Your coverage is their priority.

5. Independent Agents are Your Advocate they offer their help and support when it comes time to actually use your insurance. Dealing with a claim can be a mess. Your independent agents assist you and ensure you are taken care of by the insurance company. When accidents happen, your agent is there.

Give us a call at 1-800-Thanksal or visit us online at www.thanksal.com and let us help you find the best rate and option for you. Let our agents compare your current carrier and see how they can help you save.

Al’s Texas Tours: Top 5 Best Places to Camp in Texas

 

         Al's Texas Tours

 

School is out and summer has finally kicked in! That means it’s the perfect time for a ROAD TRIP!!

Texas is famous for it’s lush beautiful landscapes and scenic views. So why not get the family together for an outdoor experience unlike any other? Our beautiful state is packed with some of the best national and state parks in the world. Do yourself a favor and check out Al’s Best Road Trips: Top 5 best places to camp in Texas! Bigbend

Big Bend National Park, Big Bend National Park, TX – This is perhaps one of the most famous national parks in Texas as well as the entire country. This campground features some of the highest points and incredible rock formations in the state, which makes it great for backpacking. Campers can also Kayak along the Rio Grande River and discover some of the most beautiful views in all of Texas.

Possumkingdomcliffs

Possum Kingdom Lake, Young County, TX – If you’re not much of an outdoorsy person, but want to go get a camping experience, than Possum Kingdom Lake is the place for you. This campground is a utopia for water sports, fishing, and nature activities. 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!

 

Davis-Mountains_Opti_1074_5

Davis Mountains State Park, Fort Davis, TX – This historic state park offers a plethora of outdoor activities and is home to some of the best horseback trails in Texas. This park also offers bird watching, star gazing tours, mountain biking and hundreds of miles of trails to be explored.

 

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Colorado Bend State Park, Bend, TX – If you’re craving a sense of adventure, then head on out to this beautiful park located right outside of Austin. This park features multiple natural swimming holes, extreme mountain biking trails and cave diving tours. The main attraction, however, is the Gorman Falls, which is a 65-foot waterfall that looks like something out of a dream.

 

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Dinosaur Valley State Park, Glen Rose, TX – This is definitely the most family friendly option on the list. Dinosaur Valley is known for it’s great hiking trails and dinosaur themed activities. You can explore the Paluxy River, which is filled with various dinosaur tracks, or dig for prehistoric fossils in the canyons. It’s all of the fun of Jurassic Park, without live dinosaurs!

Before you head out for your ROAD TRIP, 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!