Does Motorcycle Insurance Cover Tornado Damage?

Posted on January 30, 2026January 13, 2026 by admin

Every rider in San Antonio, TX needs motorcycle insurance. Most people don’t pay attention to the policy until they need to know if something’s covered, though. Instead, it’s important to learn how these policies work before a disaster destroys your bike.

Types of Coverage

There are various levels of coverage available for bikes. Most companies, such as Shavano Insurance Agency LLC, offer all of them, but it’s always important to speak with an agent to confirm. Types of coverage include:

Liability: This policy provides coverage for the other person’s property damage or bodily injury if you’re at fault for the accident. It may provide coverage if the other person is uninsured or underinsured. It doesn’t cover damage to your bike or damage from natural disasters.

Collision: Collision coverage can help pay for damage to your bike caused by a collision with another vehicle or a stationary object, such as a telephone pole. Many companies also include hitting an animal. It doesn’t cover weather-related damage, theft, or vandalism.

Comprehensive: Comprehensive policies provide coverage for damage caused by events other than collisions, such as weather-related incidents, falling objects, fire, theft, and vandalism. Some companies cover damage from hitting an animal under these policies, rather than under collision coverage. It’s important to ask an agent at Shavano Insurance Agency LLC whether this is covered if you’re worried about hitting a deer. Having the right level of coverage is also essential to protect against tornado damage.

Covered Perils

Most companies have a list of covered perils (events) and exclusions. Companies may require owners to purchase additional coverage for specific natural disasters, such as flooding or tornadoes.

Always take the time to ask an agent about policy coverage and limits, rather than assuming your bike is always covered. Our agents will happily answer any questions you have. We’re currently serving the San Antonio, TX area. Contact us today!

How Coverage Works for Boats Stored Seasonally or in Off-Site Facilities

Posted on December 31, 2025December 11, 2025 by admin

Boat ownership brings enjoyment, but storing your watercraft during the off-season or at a facility raises important insurance questions. Whether you’re docking in San Antonio, TX, waters or storing your boat elsewhere, understanding how your boat/watercraft insurance adapts to different storage situations protects your investment year-round. Shavano Insurance Agency, LLC, serving San Antonio, TX, explains.

The Storage Location Affects Your Coverage

Your boat insurance policy needs to know where your vessel spends its time. Marina storage, dry storage facilities, and backyard storage each present different risks that insurance companies evaluate differently. Most policies automatically cover your boat at the address listed on your policy, but storing it elsewhere often requires you to notify your insurer.

Seasonal Storage Considerations

During winter months or extended storage periods, your coverage needs shift significantly. While you might reduce liability coverage since you’re not operating the vessel, comprehensive coverage becomes more important to protect against theft, vandalism, and weather damage. Many insurers offer lay-up periods that adjust your premiums when the boat isn’t in use.

Off-Site Facility Protection

Professional storage facilities often provide some protection, but don’t assume their coverage replaces your boat insurance. Facility insurance typically covers their liability, not your boat’s value. Verify what protection the facility offers and ensure your policy fills any gaps.

Smart Storage Insurance Strategies

Document your boat’s condition before storing it. Include photos and detailed records. Some insurers offer discounts for boats stored in secure, climate-controlled facilities versus outdoor storage.

Shavano Insurance Agency, LLC can review your storage arrangements and adjust your boat insurance policy to provide optimal protection, regardless of where your vessel spends its off-season. Call us. We’re currently serving San Antonio, TX.

What Qualifies a Car for Classic Car Insurance?

Posted on November 28, 2025November 11, 2025 by admin

A classic car is more than just another vehicle; it’s your pride and joy. People spend countless hours ensuring every detail is flawless. It’s important to make sure you have proper coverage, but there are a few criteria you need to meet for classic car insurance in San Antonio, TX.

Age

The age of the vehicle remains a critical factor. Most cars must be at least 25 years old to be registered as a classic. However, insurance companies vary. Some will let you purchase this policy for vehicles that are 10 years old, while others consider vehicles 25 years old to be antiques. An agent at Shavano Insurance Agency LLC can help you learn more about the age requirements.

Mileage

A car can only have this type of policy if it is not being used for daily travel. You may have a car that is 30 years old, but if you drive it daily, it won’t qualify for this policy. These policies are designed for individuals who have a restored car as a hobby, so they often have mileage requirements to ensure the car is only driven for hobby purposes, such as attending car shows.

Condition

Many agencies consider the condition of a car. It should be in good or restored condition. Some companies will insure a car if it is in the process of being restored, but this depends on the company. Ask your agent if this factor is part of the criteria for any classic car policy you’re considering.

Classic car insurance is meant for hobbyists. Cars usually must meet age and mileage requirements. They can’t be for daily use, and they should be in restored condition. Some companies require the car to be stored in a secure location. An agent at Shavano Insurance Agency LLC can help you learn more. We’re currently serving the San Antonio, TX, area.

Why Umbrella Insurance Is Especially Valuable for Community Volunteers and Coaches

Posted on October 31, 2025October 16, 2025 by admin

When you dedicate your time to coaching youth sports or volunteering in your community, you’re making a positive impact that extends far beyond yourself. At Shavano Insurance Agency LLC, serving San Antonio, TX, we understand that community leaders like you need comprehensive protection that matches their commitment to others.

The Hidden Risks of Giving Back

Volunteering and coaching come with unique liability exposures that many people don’t consider. Whether you’re organizing a charity event, coaching a little league team, or leading a community fundraiser, accidents can happen. A child gets injured during practice, someone trips at an event you organized, or property gets damaged during a volunteer activity. These situations can result in lawsuits that quickly exceed the limits of standard homeowners or auto insurance policies.

Why Standard Coverage Falls Short

Most homeowners insurance policies provide only $300,000 to $500,000 in liability coverage. While this might seem substantial, a serious injury claim can easily surpass these limits. Legal fees alone can consume a significant portion of your coverage before any settlement is reached. Medical bills, lost wages, and pain and suffering awards can push total costs well into the millions.

Umbrella Insurance: Your Safety Net

Umbrella insurance provides an additional layer of protection, typically starting at $1 million in coverage. This extra protection kicks in when your underlying policies reach their limits, ensuring that a single incident doesn’t devastate your financial future. The peace of mind this provides lets you focus on what matters most: serving your community.

For community volunteers and coaches in San Antonio, TX, umbrella insurance isn’t just smart financial planning with Shavano Insurance Agency LLC; it’s essential protection that allows you to give back without putting everything at risk.

What Counts as a “Flood” in Insurance Terms

Posted on September 30, 2025September 18, 2025 by admin

When most people think of a flood, they imagine water rising quickly after a storm. While this is true in casual conversation, the term "flood" has a much narrower definition in the insurance world. One that can catch Texas homeowners off guard. Your insurance representative at Shavano Insurance Agency LLC, serving San Antonio, TX, wants you to understand exactly where you stand when it comes to flood coverage.

Understanding the Insurance Definition of Flood

In insurance terms, a flood is defined as water covering at least two acres of normally dry land or affecting at least two properties, with the water originating from external sources such as heavy rain, storm surges, or overflowing rivers. This definition is important because water damage from internal sources, like a burst pipe or backed-up drain, typically falls under homeowners’ insurance, not flood insurance.

Real-World Examples

Consider a tropical storm pushing water from the Gulf into neighborhoods. This scenario qualifies as a flood under insurance terms. However, if your washing machine hose bursts and damages your flooring, it does not. Both situations can cause significant damage, but different policies cover them. Without the appropriate coverage, homeowners may face unexpected out-of-pocket expenses for damage they assumed was protected.

Why Flood Insurance Matters in Texas

Texas is no stranger to flooding, whether from hurricanes or sudden inland downpours. Standard homeowners’ insurance almost never includes flood coverage. If you live in an area prone to flash floods or rising water, obtaining a separate flood insurance policy is often essential. Even homeowners outside designated flood zones have experienced severe damage during recent storms.

It’s important to understand that while you might casually refer to water damage from an overflowing toilet or a forgotten running faucet as a "flood," these incidents are not considered floods in the insurance world. Knowing the difference can help you avoid costly misunderstandings and ensure you’re prepared when water rises where it doesn’t belong.

Contact Us

Protect your home and avoid surprises by learning more about flood insurance. Contact Shavano Insurance Agency LLC, serving San Antonio, TX, today. Our team is ready to help you understand your options and secure the coverage you need.

How Motorhome Insurance Protects You When Towing a Vehicle

Posted on August 29, 2025August 19, 2025 by admin

If you’re hitting the open road in your motorhome and plan to bring along a second vehicle, you’re not alone. Many travelers tow a car behind their motorhome for added convenience once they reach their destination. However, towing adds another layer of complexity to your insurance needs. At Shavano Insurance Agency LLC, serving San Antonio, TX, we often help RV owners understand how their motorhome insurance applies when a towed vehicle is involved.

Towing Isn’t Automatically Covered

A common misconception is that your motorhome insurance automatically covers whatever you’re towing. In reality, that’s not always the case. While some policies may offer limited coverage for a towed vehicle, it’s often only for liability. This means if your towed car causes damage to someone else’s property, you may be protected. However, damage to the car itself usually requires a separate policy or endorsement.

Accidents Can Get Complicated

Imagine you’re navigating tight roads and your towed vehicle clips a pole or another car. Without the right coverage, you might be left paying the bill. Motorhome insurance can help protect you in scenarios like this, but only if you’ve worked with your agent to ensure your policy reflects your towing setup.

Having the right motorhome insurance allows you to focus on the journey instead of worrying about potential issues. It’s about more than meeting state requirements; it’s about ensuring every part of your travel setup is protected.

Before your next adventure, make sure you’ve got the coverage you need. Reach out to Shavano Insurance Agency LLC, serving San Antonio, TX, to review your motorhome insurance and feel confident towing wherever the road takes you.

What to Do If You’re in an RV Accident Out of State

Posted on July 31, 2025July 16, 2025 by admin

Taking your RV on a cross-country adventure is one of the best ways to experience freedom and the open road. But what happens if you’re in an accident far from home? It can be a stressful situation, but knowing the proper steps to take can make a significant difference. At Shavano Insurance Agency LLC in San Antonio, TX, we understand RV life and are here to guide you through moments like these.

Focus on Safety First

After an accident, your top priority should be safety. Check if anyone is injured and call 911 immediately. Even if the incident seems minor, it’s important to have law enforcement on the scene to document what happened. If your RV is drivable, move it to a safe spot off the road to avoid further danger.

Gather Important Information

Once everyone is safe and emergency services are on the way, start collecting details by exchanging insurance and contact information with any other drivers involved. Take clear photos of the damage, road conditions, and any relevant signs or surroundings. Additionally, ask for a copy of the police report or at least the officer’s name and report number. All of this information will be helpful when filing an insurance claim.

Call Your Insurance Company

Contact your insurance provider as soon as possible. Inform them that you’re out of state and provide all the information you’ve gathered. If you have RV insurance through Shavano Insurance Agency LLC, you can count on support no matter where your travels take you.

We’re Just a Call Away

An out-of-state accident doesn’t have to derail your trip. Ensure your RV insurance is prepared for the unexpected. Contact Shavano Insurance Agency LLC in San Antonio, TX today and travel with peace of mind.

Insuring Your Vintage Motorcycle – What You Need to Know

Posted on June 30, 2025June 17, 2025 by admin

Vintage Motorcycle Insurance in Texas

Whether your bike is strictly for show or you enjoy exploring the back roads of San Antonio, TX, having an insurance policy to protect your vintage wheels can make the ride even more enjoyable. If your motorcycle is more than 25 years old and classified as a vintage bike, contact our agents at Shavano Insurance Agency LLC to ensure you get the coverage you need.

Benefits of Insurance Coverage

In Texas, state law requires liability insurance to cover property damage and bodily injury, regardless of your motorcycle’s age. While this is mandatory, you may want to consider additional coverage for your vintage bike. Options include collision and comprehensive coverage, uninsured/underinsured motorist coverage, and agreed value coverage, where you and your insurer agree on the bike’s value before issuing a policy.

When speaking with our agent, inquire about potential discounts your bike may qualify for, such as completing a safety course, maintaining a safe driving record, bundling policies, or discounts based on how and where your bike is stored.

Additionally, ask about specific requirements, such as providing proof of an inspection to validate the bike’s age and condition, documentation of modifications or restoration work, and whether the policy covers limited usage only.

Contact Us

Vintage motorcycle owners in San Antonio, TX, are just a phone call away from the knowledgeable agents at Shavano Insurance Agency LLC. We can answer your questions about coverage options, the benefits of insuring your ride, and the costs associated with keeping it protected.

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.