Insurance Coverage Guidelines for Your New Sailboat

Posted on May 30, 2025May 22, 2025 by admin

If you’re planning to purchase a new sailboat this summer, you’ll need to determine how much boat insurance coverage you need. Boat insurance protects your watercraft from accidents, adverse weather events, and criminal activity.

Watercraft Accident

A watercraft accident could result in property damage, boat damage, and bodily harm. Liability boat coverage is designed to protect a boat owner. It covers the cost of damage that a boat owner is responsible for. An accident could occur while boating or while transporting a sailboat from one location to another. Having adequate coverage will prevent high expenses associated with being sued by another party.

Bodywork and Mechanical Repairs

You may be involved in a boating accident that isn’t your fault. Collision boat coverage provides protection for incidents not covered by another party’s insurance. If bodywork or mechanical repairs are needed, collision coverage may handle the out-of-pocket costs that a boat owner is faced with. This type of coverage also provides protection against inclement weather events. It will help pay for the repair and replacement of the sail, body, and other vital components that comprise a sailboat.

Criminal Activity

You may be concerned about a criminal act occurring when you are not present. Your sailboat is prone to theft and vandalism when it is unoccupied. Coverage that protects from criminal activity will support restoring your sailboat if necessary.

Your Sailboat Insurance Policy in San Antonio

An agent from Shavano Insurance Agency LLC will prepare your boat insurance policy for you. Schedule an appointment to meet with one of our agents who serve San Antonio, TX. After consulting with an agent concerning your sailboat, the agent will advise you on boat insurance types.

How Does Classic Car Insurance Work With Car Shows?

Posted on April 30, 2025April 19, 2025 by admin

Owning a classic car in San Antonio, TX, can be a lot of fun, especially when you get to show it off at one of your favorite car shows. Of course, car shows do come with certain risks you want to consider, and it’s essential to know how that all interacts with your classic car insurance.

Understanding Classic Car Essentials

Let’s start with an important disclaimer. Every policy is different, so always check what your policy specifically covers. Our representatives at Shavano Insurance Agency LLC are always happy to help with that.

That said, classic car coverage starts with the same basics as any other type of car insurance: liability, collision protection, and theft coverage. Even these are not necessarily included in every policy, but they cover the most common points.

This means while you take your classic car to and from a car show, you’ll have the basic coverage you already selected.

It’s at the show where things get more complicated.

Insuring a car during an event represents a different situation for most insurance companies. While you can get a policy that covers the show as well, it’s not always standard, and that’s a gap you want to be aware of.

Specific Event Coverage

If you want to be sure you have coverage for the show, look for a rider or add-on that covers events. The most common insurance gaps are those for vandalism or damage to your vehicle during an event. You might also want additional liability coverages, since events raise the chances that someone could be injured while interacting with your vehicle.

As long as you have specified event coverage, you’re in a good spot.

If you’d like to review your coverage to ensure you’re covered for events in San Antonio, TX, or anywhere else, we’re here to help. Contact Shavano Insurance Agency LLC to explore your options.

Household Property Included in Umbrella Insurance Coverage

Posted on March 28, 2025March 20, 2025 by admin

As a homeowner, your home insurance may not be enough to cover liability. If you’re sued, you’ll want to protect your assets adequately. Umbrella insurance can ensure that every part of your household property is adequately protected. Our agents at Shavano Insurance Agency LLC in San Antonio, TX can help you choose coverage that works for you.

Reasons to Get Umbrella Insurance for Household Property

While your home insurance already includes liability coverage, it may not be enough to protect all your assets in the case of a lawsuit. As a homeowner, you’ll want to ensure that all of your property, including any household property, is protected. If someone were to sue, and your home insurance gets maxed out, other assets on your property could be seized as compensation if you can’t pay.

Additional Advantages of Umbrella Insurance

Umbrella insurance doesn’t just protect your home from liability but also protects you and your household members outside the house. If you’re on someone else’s property and damage something, then your umbrella insurance can help cover those costs, especially if the damages exceed your current home insurance plan.

Another advantage of adding additional umbrella insurance is that it can help cover the costs of medical bills for injuries that happen on your property. If someone were to get hurt on your property and treatment exceeds your current home insurance policy, then the rest of the bill can help cover the rest of the bill. It can also help with legal costs if you have to fight a lawsuit.

Protecting Your Home with Umbrella Insurance

Adding an umbrella insurance policy to your existing plan can help exceed your home insurance liability limits—that way, you know that your household assets are protected in the case of a large claim. Without umbrella insurance, you could have additional household assets seized, which otherwise would have been protected. If you’re still confused about umbrella insurance and what it can do for you, then consider contacting one of our agents at Shavano Insurance Agency LLC in San Antonio, TX, and we will be glad to help.

I don’t live by the Gulf; do I still need flood insurance?

Posted on February 28, 2025February 19, 2025 by admin

Flood insurance seems like a "no-brainer" if you live along the Texas Gulf Coast. However, San Antonio residents may wonder if they, too, need to purchase flood insurance when they live more than a hundred miles from the Gulf. While it’s unlikely that coastal waters will reach you in Hill Country, there are still plenty of good reasons to invest in flood insurance.

Reasons to Buy Flood Insurance, Even If You Don’t Live on the Coast

1. You live near a river or other body of water. The Gulf isn’t the only source of floodwaters. Spring rains can send area rivers over their banks, endangering your structure. FEMA reports that 25 percent of flood damage happens to houses in low to moderate risk areas for flooding.

2. Hurricanes can bring storms hundreds of miles inland. Just because you don’t live in Corpus Christi or Galveston doesn’t mean the weather systems and subsequent flooding can’t make their way inland. Just ask the people who live in Western North Carolina.

3. New housing developments can alter the way water drains. They can disrupt the flow of rainwater from existing patterns and cause flooding. Plus, the increased number of asphalt and concrete surfaces associated with new development can impede the natural absorption of rainwater.

Most homeowners’ and renters’ insurance policies exclude coverage for damage caused by flooding. You must purchase separate flood insurance to protect your property and belongings from this peril. To learn more about flood insurance for your San Antonio, TX home and all of your insurance concerns, contact Shavano Insurance Agency LLC. We’ve been helping Texas Hill Country residents with their insurance needs for more than a decade.

Does Motorhome Insurance Cover the Items Stored in Your Motorhome?

Posted on January 24, 2025January 22, 2025 by admin

Exploring the open road with the comforts of home is one of the many benefits of owning a motorhome. However, as you fill your motorhome with personal belongings, you may question whether these items are covered by your motorhome insurance. At Shavano Insurance Agency LLC, we provide motorhome insurance to residents in and around San Antonio, TX. We’re here to clarify how motorhome insurance covers your possessions.

Motorhome Insurance Coverage Explained

Motorhome insurance primarily protects your vehicle, but it often extends to certain personal belongings stored inside. The extent of this coverage can vary depending on your policy. Many plans include protection for items such as clothing, electronics, camping gear, and kitchen supplies. If these belongings are stolen, damaged in an accident, or destroyed by a covered peril like fire or severe weather, your policy may help reimburse you for the loss.

Limitations and Exclusions in Coverage

While motorhome insurance generally covers personal property, it’s crucial to remember that coverage limits and exclusions apply. High-value items like jewelry, expensive electronics, or specialty equipment may not be fully covered under a standard policy. For these items, you might need additional coverage or a rider to ensure proper protection. Also, coverage may not extend to items permanently stored unless they are part of the motorhome’s use.

Securing Your Adventures

Understanding what your motorhome insurance covers is vital for peace of mind during your travels. If you’re uncertain about your current coverage or want to ensure your belongings are adequately protected, contact Shavano Insurance Agency LLC, serving communities in and around San Antonio, TX. We’ll assist you in finding the right policy, so you can hit the road with confidence.

Do All RVs Need the Same Type of RV Insurance?

Posted on December 23, 2024December 18, 2024 by admin

The RV category includes both towable trailers and self-powered RVs. The distinction between towed and powered determines certain insurance needs, but other insurance requirements depend on how much you use the RV, where you use it, and the property it contains. The team at Shavano Insurance Agency LLC serves San Antonio, TX, and the surrounding area. We are here to help you find the RV coverage that fits your needs.

Types of RVs and Their Insurance Requirements

Texas law requires motorized RVs to have auto insurance to cover accidents you cause, while towed trailers or RVs do not need auto insurance. Class A, B, and C RVs are motorized and have minimum insurance requirements covering $30,000 per person and $60,000 per accident for injuries, and $25,000 for property damage. The towing vehicle covers the liability for accidents involving towed RVs, so the towing vehicle needs to be insured. Owners with towable RVs often upgrade the towing vehicle policy to handle higher liability levels.

The motorized versus towed distinction disappears when discussing collision, comprehensive, and other insurance. While not required by law, most owners insure their vehicle or trailer against damage when it is involved in an accident, stolen, vandalized, or otherwise damaged.

Other RV insurance options, such as full-time RV insurance, HOA fees, vacation liability, personal property and attachments, adjacent structures, roadside assistance, and temporary lodging assistance, apply to both motorized and towed RVs. Their value depends on your RV usage, so discuss each option with your agent.

Work with Shavano Insurance Agency LLC for Your RV Insurance Needs

Our Shavano Insurance Agency LLC team serves RV owners in and around San Antonio, TX. We can help develop a plan for your RV and other insurance needs, so call us today at (210) 762-6777 or stop by the office.

Winter Biking in San Antonio: Preparing Your Motorcycle for the Colder Months

Posted on November 20, 2024November 19, 2024 by admin

San Antonio, TX, bikers preparing for their winter rides can get tips from the Shavano Insurance Agency LLC on how to ready their motorcycles for the winter months in the insightful guide below.

Conduct Regular Battery Safety Checks

Following a regular battery maintenance routine during the colder months can help local bikers reduce the likelihood of drained or dead batteries. Regular battery checks also ensure reliable starts when riders are ready to resume their rides.

Check Motorcycle Tire Pressure and Adjust as Needed

Colder temperatures can reduce bike tire pressure, which can cause issues with grip and stability during winter rides. Cyclists should check their tire pressure regularly and adjust as needed to ensure safer rides.

Periodically Inspect Your Brakes

Damp, icy, slick, and cold road surfaces can damage your bike’s braking system. Inspect your brake pads, brake fluid levels, and brake function before venturing out on the open roads during the colder months.

Wear Protective Winter Clothing in Layers

Many bikers only think of protecting their vehicle when preparing for winter bike rides. They can forget how important it is to wear protective clothing to protect themselves and any passengers from the icy elements. Invest in thermal, windproof, and waterproof motorcycle gear to wear in layers while cruising in the cold.

Get Comprehensive Motorcycle Insurance

Taking the preemptive precautions above is an excellent way for San Antonio, TX bikers to reduce their safety risks and have a smoother ride this winter. Local bikers who plan on riding throughout the icier months should also invest in a comprehensive motorcycle insurance policy that covers a variety of perils.

Contact the Shavano Insurance Agency LLC for a custom quote for a safer winter ride today!

Navigating Texas Waters: A Guide to Local Boating Regulations

Posted on October 21, 2024October 17, 2024 by admin

San Antonio boaters must comprehend the local rules and regulations applicable to all boaters navigating local waterways. Shavano Insurance Agency LLC provides information on a few lesser-known boating rules and regulations.

Boater Education May Be Required

State-mandated boater education training may be a requirement. According to Texas boating laws, boaters operating vessels with horsepower ratings of more than 15hp may need to complete a mandatory boater training course before legally operating a seafaring vehicle.

Boating While Intoxicated is Illegal

Every captain operating a vessel is responsible for the safety and well-being of their passengers and other boaters navigating San Antonio waterways. While taking common safety precautions and avoiding intoxication while boating is paramount, many Texas boaters learn the hard way that boating while intoxicated is illegal. Penalties for intoxicated boating can be severe, including suspension of your Texas driver’s license for serious offenses.

Boat Insurance is Highly Recommended

Even though boating insurance may not be legally required for every San Antonio boater and watercraft operator, experts highly recommend investing in comprehensive boat insurance. Comprehensive boat insurance can help protect your vessel, other boaters, and personal belongings in case of a mishap on the water.

Comprehensive Boat / Watercraft Insurance – San Antonio, TX

Speak to a licensed and knowledgeable agent at Shavano Insurance Agency LLC in San Antonio to learn about your best comprehensive boat insurance coverage options in Texas. A licensed agent can help you create a well-structured boat or watercraft insurance policy to safeguard your vessel and the rest of the San Antonio boating community.

Contact our offices today for a quote!

Three Reasons Why You Need an Enclosed Trailer for Your Classic Car

Posted on September 30, 2024September 25, 2024 by admin

Transporting Your Classic Car: The Case for Enclosed Trailers

As a classic car owner, you understand the significance of preserving it in excellent condition for shows. Before you head to your next event, consider the advantages of hauling your treasure in an enclosed trailer.

Reduced Wear on Vehicle

Utilizing any trailer, particularly an enclosed one, helps to diminish wear and tear on your vehicle. You can park the classic car into the trailer, secure it, and transport it to the venue. Other trailers may require you to position the vehicle in neutral, placing unnecessary mileage on it, thereby decreasing its value and increasing wear.

Weather Protection

Transporting your classic car in an enclosed trailer protects it from unpredictable weather elements while on the road. This protection is particularly essential if you drive long distances or expose your vehicle to extended sun exposure. Weather protection maintains the car’s cleanliness and restricts potential damage to the exterior. Additionally, it shields the vehicle from any debris or stones that might ricochet off the road and harm your classic car.

Securing Your Classic Car

Security is paramount when traveling with a classic car. Leaving your car unattended in hotel parking lots is less problematic with an enclosed trailer since breaking in and damaging or stealing the car is significantly more challenging. Consider installing a security system that alerts you if anyone tampers with the trailer.

If you’re in the San Antonio, TX, area and seeking classic car insurance, our team at Shavano Insurance Agency LLC is prepared to provide you with a personal quote after assessing your classic car’s specifications.

How You Can Get More Protection From Umbrella Insurance

Posted on August 30, 2024August 21, 2024 by admin

The need for additional insurance coverage is apparent for many individuals, but they remain unaware of it. Often, people don’t fully comprehend the extent of their existing coverage and whether or not it’s sufficient. Home and auto insurance policies don’t adequately address their needs for some. The solution? An umbrella insurance policy should be added to bolster the coverage. In the event of a significant accident, your home and auto policies may fall short of covering all the resulting expenses. To enhance your coverage, reach out to us at Shavano Insurance Agency LLC, San Antonio, TX, to explore umbrella insurance options.

Enhanced Liability Coverage

Serious accidents typically entail substantial ensuing bills. Many home and auto policies provide limited coverage, potentially resulting in financial devastation if a severe accident exceeds your coverage limit. Umbrella insurance provides a substantial layer of coverage encompassing both home and auto policies concurrently. Umbrella policies feature enormous maximum payouts, ensuring coverage even in the face of severe accidents. This additional protection safeguards you against unforeseen disastrous episodes.

Umbrella Insurance Functionality

You’ll likely bear the liability for the associated expenses if an accident involves your vehicle or property. Initially, your home or auto insurance will address the bills up to their maximum payout. However, they cease to cover further expenses once they reach their limit. This is when your umbrella insurance steps in to cover the remainder. This vital insurance coverage protects you against potentially enormous bills.