Tag Archives: Texas

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!

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.