Tag Archives: Vacation

Recreational Vehicle Insurance 101

School is out, and vacation and travel are on everyone’s summer list. RV’s, boats and watercraft just give you all the summer feels. Loaded down and in route to a favorite destination where your family is going to make memories is one of great gratitude! However, with all good things, we must prepare for the not so pleasant. 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.

BoatThere 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/RVYour motorhome or RV is more than just a vehicle and needs more than just standard auto insurance. Motorhome 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 RV 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 that 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 rec 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!

 

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.

 

 

 

 

 

Spring Break Stay-cation!

Spring break is right around the corner! Either you have big plans or have forgotten your kids are out for a week. Traveling with a family can be challenging and comes with a lot of moving parts. Request time off from work- try to decide on a destination- set a budget- make travel arrangements- plan who is going to watch the pets- shop for the trip- pack the entire household and pray you haven’t forgotten anything.

Spring break vacations can be costly and take a lot of planning. If you haven’t planned a trip by now, there’s a possibility the best rates are no longer available. Unfortunately, the early bird gets the worm on those deals. But WAIT! There is still hope for a fun week. You have time to plan a Stay-cation. It’ll be your new favorite thing!

So, what is a stay-cation? Just like it sounds, a vacation that doesn’t require much, if any travel. The point is for it to still feel like the family is off- together doing something fun. The chances are that your city has a few things to offer that you may have forgotten all about.

Here are a couple of staycation suggestions your family will love

  1. Spend the day at an amusement park- when was the last time your family went to an amusement park? This may be one the most expensive options on the list but this expense will for sure be a crowd pleaser with the kiddos.
  2. Visit a local museum- if your city has a nearby museum, now is the perfect opportunity to spend your money locally and check out the museum. You may learn something new and find out a lot about your town.
  3. Attend a community festival- during spring break cities usually put on some sort of festival. Check out the list of events happening in your area on your Chamber of Commerce website.
  4. Take a trip to the zoo or aquarium- the never disappoints. No matter how many times you have gone, it always is a crowd pleaser. Make a game of it- play iSPY or map out feeding times and get in on zookeeper interaction.
  5. Host a family board game tournament- invest in a few new board games and battle the family in a day-long tournament complete with snacks and drinks.
  6. Get Outside- buy some kites, bubbles, hula-hoops, a slip-n-slide, a bug catcher, or maybe camp out. There is so much to do in your own backyard. Host a Family Olympics and plan a full day of outdoor activities. Get some ideas here.
  7. Geocaching- if you have not heard of geocaching, it may be one the largest games of scavenger hunt in the world. Download the app and let the fun begin. The GPS will lead you to treasures that people from all around have visited and contributed too. Check out the details at geochaching.com.

There are several options to enjoy your spring break as a family without having to travel too far. Enjoy the time as a family and see what kind of adventures your gang can find!

Texas Stock Show & Rodeo: A Long Living Tradition

The great state of Texas has a long history of hard work, dedication, and commitment to tradition. One of those traditions is the Fort Worth Stock Show & Rodeo. Groomed horses, tough cowboys, family-friendly activities and delicious fried food come to life every year in the early winter. Great folks from major cities across the lone star state take part in this legendary event.

For more than a century, the Fort Worth Stock Show & Rodeo has been a long-standing tradition -that this year takes place January 12- February 3rd. At the start of the “Cowboy” tradition, livestock auctions were the major reason for the show. Today 4-H and FFA organizations contribute to the success of the Southwestern Exposition and Livestock Show.

While cattle raiser and horse breeders have found a home at the Will Rodgers Memorial Center, this legendary event has evolved and encapsulates Texans from all demographics and backgrounds as they show up to experience the indoor rodeo, enjoy the midway and shop local vendors. Even our former president, Theodore Roosevelt was Guest of Honor in 1911.

The first show took place in 1896 and has a long-standing heritage in Fort Worth. The name has evolved from “Texas Fat Stock Show” to “National Feeders and Breeders Show to then, “Southwestern Exposition and Fat Stock Show,” finally landing as “Southwestern Exposition and Livestock Show,” in 1987. However, most refer to the spectacular as the Fort Worth Stock Show.

The annual events give life that Texas does not travel far from its roots. Our connection to the past stands as a vital resource and continues to push Texas and livestock industry to new heights. Get out and catch the Fort Worth Stock Show as it wraps up this weekend.

Check out the major stock shows coming to cities near us and make it a weekend vacation!