Tag Archives: Texas 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.

The 10 Best Summer Spots in Texas While Social Distancing

We were all waiting for the summer to travel to our favorite spots when the pandemic hit. With a new normal some are starting to go out and want to travel while staying safe. Check out some of our favorite spots to travel to while maintaining social distance.

If being outdoors is your call, you should check out the following State Parks in Texas:

1. Bentsen-Rio Grande Valley State Park

The home of bird sightseeing, you might be able to see over 360 species.

P.S. The headquarters of the World Birding Center is located here, you should check it out.

2. Franklin Mountains State Park

With over a hundred miles of trails and pathways, you can’t miss the red rocky views of canyons and desert around El Paso area.

3. Big Bend Ranch State

If you end up going do not forget to visit the Closed Canyon Trail, you will have an amazing landscape of rocky mountains and biking trails right next to Terlingua.

If you are more into water, these options might be best for you:

4. Possum Kingdom Lake

Only ninety miles north of Fort Worth, you can spend the day swimming or floating on its crystal-clear water.

5. Garner State Park

The location where the Frio River meets allows it to spend time doing camping and several water activities such as tubing, kayaking, fishing, and even snorkeling. The 10 acre of river frontage is definitely a must-visit place during the summer.

Also, let’s not forget the beautiful beaches that are located in our state:

6. Galveston

The classic beach getaway, it is one of the most popular summer destinations, and it is easy to maintain social distance while soaking up some sun. There are plenty of restaurants and stores, just make sure they are following all sanitary regulations.

7. Corpus Christi

This location is less crowded and quieter than Galveston but also as enjoyable during the summer. You have a seventy-mile beach to take a long walk and enjoy some waves to do some surfing. 

8. South Padre Island

It is home to the most beautiful beaches in the Lone Star State, with its white-sand beaches, it is a great summer destination to visit.

And finally traveling to other cities is always a great option. We leave you some options to visit:

9. San Antonio

It is a perfect city summer getaway, taking a walk on the famous Riverwalk, enjoying a nice meal in one of its restaurants and visiting the Alamo, you’ll have plenty of options to have a great time while staying safe.

10. Austin

The capital of our great state cannot be missed, from visiting the Texas State Capitol and downtown, all the way to visiting local coffee shops, food truck cuisine and you will find a variety of activities outdoors. 

Maintaining social distance today is a must, but that doesn’t mean that you can’t enjoy a nice day out with family visiting incredible summer spots.

Be sure to double-check all city ordinances pertaining to mask requirements and capacity levels. Visit https://www.dshs.texas.gov/coronavirus/ for the most recent updates. 

Before you head out remember to give your local Al Boenker Insurance agent a call to ensure you have the best coverage for your needs! Call 1-800-Thanks-Al or go online to thanksal.com.

Beginners Guide: What should I look for Home Insurance?

anatomy of safest house for a low home insurance rate

If it’s your first time looking for home insurance, congratulations!

Most likely your lending company is requiring you to have it or you just want additional coverage. Whatever the case is, don’t go fast and take your time before choosing your home insurance policy.

According to our home insurance agents, consider these things for home insurance in Texas. 

Why you need home insurance?

Are you planning to get a home loan? Definitely, home insurance is required for this. Although, it is not the only reason for having it.

Texas is a great state, we’re proud to live here but it’s no secret every year natural disasters occur. We can’t avoid them but we can protect our assets. 

The most common natural disasters in the area are:

  1. Flash Flood
  2. Hurricanes
  3. Extreme Cold
  4. Lightning
  5. Tornados. 

What kind of coverage is right for my home?

Looking at the natural disasters mentioned above, If you live in Texas, protect your patrimony from those. During the unforeseen weather conditions, rest assured you are covered and focus on your family and their safety.

Take notice, most policies don’t usually protect your home from flooding, or busted pipe leaks. However, consider these additional coverages based on your location

Six types of home insurance in Texas

The following six coverages are usually included in your home policy, but it’s good to know what are you protecting. Always ask your insurance agent if your policy includes one of these or what is best for you depending on your needs. 

1. Dwelling coverage

Can pay if your house is damaged or destroyed by something your policy covers.

2. Personal property coverage 

Can pay if your belongings are destroyed, stolen or damaged. {PRO TIP: This why you should bring your belongs inside the house and not leave in your car.}

3. Other structures coverage 

Repair structures on your property that aren’t attached to your house, like  fences, storage sheds, and detached garages. 

4.Loss of use coverage

If you have to move while your house is being repaired because of an accident, this coverage can pays additional living expenses like rent, food, and other costs you wouldn’t have if you were in your home.

5. Personal liability coverage 

Can pays medical bills, lost wages, and other costs for people that you’re legally responsible for injuring. 

6. Medical payments coverage 

Perfect for pet owners because this can pay the medical bills of people hurt on your property or if something happens away from your home like your dog bites someone at the park.

Source: Texas Department of Insurance

Enough coverage to replace your home 

It is possible, choose replacement cost coverage over actual cash value coverage. This helps you replace or repair your house if needed during a devastating time. 

Choose Replacement Cost that match the current price for items in your home. As you know, year by year prices are higher and your belongs will be more cost more to replace.

In shorter words, if your roof cost $3,000 years ago, repair it right now will cost more. With this coverage, your insurance company may only pay the cost associated with the value at the time of purchase versus what it will actually cost to repair.

Our advice-  Speak with your local independent insurance agent on the coverages that make sense for you and your home. Licensed agents are experts in their field and can provide guidance.

Consider what type of belongings you have

Insurance agents emphasize how important is to be aware of your assets.

Your Texas home insurance can cover you from:

  1. Clothes
  2. Furniture
  3. Electronic device

What commons policies don’t cover is:

  1. Jewelry
  2. Fine arts
  3. Antiques

To have control over your belongings, create a home inventory. It helps you before getting home insurance and make it easier during the claims process.

Click here –> You can download our free home inventory template that is ready-to-use and editable.

Pets could increase your premium

Even though home insurance tends to cover you, having a dog could increase your premium if your furry friend bites someone.

Typically if you have one of these breeds:

Alaskan Malamute

Chow chow 

Doberman Pinscher

Pitbull

Rottweiler

Siberian Husky

Wolf Hybrid 

We know every dog is the best for their owner, we love them. Just keep in mind and seeking coverage that gives you the best rate, protection and won’t deny you coverage because of your furry pal

What is the best way to compare home insurance quotes?

Comparing quotes one by one it’s overwhelming and can be a waste of time. There are a lot of options on the internet, word of mouth recommendations and insurance companies around you. 

The best way to compare home insurance quotes could be by talking with an independent agent for this simple reason: they can compare and recommend you the best quote for your needs from several companies at once.

They partner with top-rated carriers and offer options, rates, and coverages that fit your needs for the best rate.

How do I choose a home insurance provider?

At last but not least, who will get coverage from? You have some options: a captive agent– can only offer one product/ company (i.e. State Farm, Farmers Insurance, etc.) or an independent insurance agency.

Look for history and experience 

Working with an independent agency isn’t enough, look for an agent that has years of experience because they can offer expert advice and be a knowledgeable resource for you. Your agent should be your advocate. They don’t work for one particular company, so their job is to provide you the best resources.

If you have doubts about your next Texas home insurance policy or would like an insurance check up, give us a call at 1-800-842-6572 or get a quote clicking here.

Back To School Driving Tips 101

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 is 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

 

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.