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Shavano Insurance Agency, LLC

4429 De Zavala Rd
San Antonio, TX 78249

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Shavano Insurance Agency, LLC Blog

Do you need to have classic car insurance in Texas?

When you are in the San Antonio, TX area, owning a classic car can be a dream. If you want to get a classic car in this area of the state, it would be wise for you to get the right insurance plan for it. For many, this means getting a specific classic car insurance plan. There are various reasons why you need to maintain this type of coverage here. 

Protect Your Asset

A key reason that you will want to have a classic car insurance plan is so you can protect your valuable and prized asset. If you intend to purchase a classic car, you will be making a unique investment. As opposed to traditional vehicles, a classic car can increase in value. If you obtain a proper classic car insurance plan, you are going to have coverage for this increased value as you will have an opportunity to negotiate your coverage amount with your insurance provider.

Liability Support

You should also get a classic car insurance plan to obtain support to offset your liability risk. Similar to driving any other type of car, you are taking on liability risk when driving a classic car. If you get a classic car insurance plan, you will have the support needed to offset this risk. The full plan will also give you the coverage needed to comply with state law surrounding this requirement. 

There are plenty of reasons to obtain a classic car insurance plan in the San Antonio, TX area. When you are looking for this coverage here, you should call Shavano Insurance Agency LLC. There are a lot of benefits that come with this coverage and Shavano Insurance Agency LLC can help you assess your needs and give the guidance you need to choose a plan to properly cover your classic car. 

What Should I Know About Motorhome Insurance?

Do you own a motorhome in San Antonio, TX? You already know the fun your toy brings to you. But before leaving home to explore the world, you need to know a thing or two about motorhome insurance. At Shavano Insurance Agency LLC, we are proud to let you learn about the basics of motorhome insurance.

Is motorhome insurance required?

Yes, just like your auto insurance, you need to invest in motorhome insurance in Texas. But whether motorhome insurance is required or not, the last thing you want is to have your vacation spoiled by theft, accidents, or damage. Most folks invest in motorhome insurance because it can rectify things quickly when they go wrong.

What does motorhome insurance cover?

You will be surprised that motorhome insurance has similar coverages akin to those of your auto insurance. Generally, motorhome insurance covers the below:

  • Physical damage: Comprehensive coverage protects your home from non-collision risks like theft, vandalism, fire, falling objects, and Mother Nature. On the other hand, collision coverage compensates you for repairs or replacement of your RV when involved in a collision with stationary objects or other motorists.
  • Liability protection: Because accidents can happen when you use your motorhome, you need liability coverage to cushion you against property damage or bodily injury you may cause to other people.
  • Medical payments: It covers your medical costs following an auto accident.
  • Roadside assistance: It bails you out when your motorhome breaks down miles away from home.
  • Personal contents coverage: It covers items like electronics, clothing, and sports gear inside your motorhome.

Would you like to take your fun to the next level with your motorhome? If you are nodding in agreement, you need to pay serious attention to motorhome insurance. So, if you are in San Antonio, TX and its environs, please get in touch with Shavano Insurance Agency LLC for motorhome insurance.

4 Major Reasons to Get Insurance for Your RV

Are you thinking of getting an RV or do you already own one? If so, you’d do well to find out if you need to have insurance coverage for your automobile in the state where you live. Even if you don’t need to have it, it’s a good idea and something you can talk to experts about from Shavano Insurance Agency LLC of the greater San Antonio, TX area. 

You Likely Will Need Insurance 

If you’re driving an RV independently (it’s not hitched to the back of another vehicle), you’ll need to get RV insurance. If this is attached to something else, you may get coverage under that vehicle’s policy. You just may need an extension to your policy to account for that. 

Prevent Against Total Loss 

If you get into an accident or something else happens to your RV, you’ll get protection through your RV insurance policy. With comprehensive RV insurance, you can recover the cost of your vehicle if it’s considered a total loss. The difference is that you’ll also have coverage for items on the interior such as your appliances, and the exterior items such as your awnings and satellites. 

Liability Protection 

Someone else may get injured in an accident involving your RV. Liability protection will cover medical expenses for anyone who is riding with you. The last thing you want to worry about is how to pay for emergency care and further medical bills. 

Coverage for Other Damages 

There are other things that can happen to your RV besides accidents. Even when parked, damage can occur from fire, weather, and vandalism. If there’s a theft of your vehicle or something on in or inside it, an additional policy can offer protection that gives you some sense of relief. 

Shavano Insurance Agency LLC is here to discuss your RV insurance needs. An independent agent can assist you with compassion and professionalism. We serve the San Antonio, TX area and beyond and are pleased to talk to prospective customers.

Motorcycles With Riders: Are You Covered?

Many motorcycle owners love taking friends and family members out on their bikes for a ride. But will your insurance policy help cover you if they are hurt? If you aren’t sure what to expect from your San Antonio, TX bike policy, we at Shavano Insurance Agency LLC can help you learn more. Doing so will help to protect you if you end up in an accident and hurt those you love while riding.

Knowing Your Coverage Options

What is interesting about motorcycle insurance is that it slightly varies from auto policies in a few ways. For instance, there is a chance that your policy may not cover people who are riding with you. That all depends on various factors and influences. Most of these influences will include things set up by your insurance provider and the state and can be quite diverse and often include things like:

  • The state laws regarding insurance and what your area says about it 
  • Your insurance company’s policies and range of coverage 
  • Any complications with your specific policy situation 
  • Limitations on your policy based on various factors 

Thankfully, many people can purchase an option called “guest passenger liability insurance” for their bikes. This policy upgrade will cover you if people are injured on your bike while you ride. Some bike policies may have this liability option already. Others may need you to add it. So make sure that you talk to your provider to learn more about your options in this unique situation.

Getting Help Today

At Shavano Insurance Agency LLC, we serve San Antonio, TX, and the surrounding area and help you understand your motorcycle insurance options. So, please don’t hesitate to reach out to us if you’re confused and need help fully understanding your coverage choices in this complex situation.

Benefits of Boat Insurance

San Antonio, TX happens to have some beautiful lakes, making it a good place to enjoy most boating activities. And if you happen to own a boat, you should probably consider insuring it. Some boat owners might feel that, since boat accidents are not common, insurance is not really necessary. However, boat insurance is not just for accidents. As Shavano Insurance Agency LLC explains, here are some of the benefits you will enjoy from insuring your boat.  

Protect Your Investment

Buying a boat is a huge investment, and so you need to have financial protection should anything happen. For instance, a crash, storm, or fire might damage your boat and injure your passengers as well. In such circumstances, insurance will help you cover those damages, protecting you from a significant financial loss.  

Medical Coverage

As much as boating accidents are rare, they happen and can cause injuries to you or your passengers. Treating those injuries can be expensive, especially if multiple people have been injured. Here is where boat insurance comes in. It will help you cover any medical bills, saving you the trouble of paying those bills from your wallet.

Protect You from Lawsuits

If you are found a fault in a boat accident that injured a swimmer, passenger, or another boat, you may just find yourself sued. In such circumstances, boat insurance will help cover the resulting legal fees and medical fees, plus the cost of repair.

Peace of Mind

Boat insurance can buy you peace of mind. You will not have to keep worrying about the financial loss you will go through if the boat is stolen, gets into an accident, or injures other people. The insurance will cover those costs.

Therefore, if you own a boat that you use often, it makes sense to protect it and yourself as well. If you live in  San Antonio, TX, you can talk to our team of experts from Shavano Insurance Agency LLC. We will provide you with the details you need on boat insurance and help you pick coverage.

How Does Umbrella Insurance Work?

Many insurance policies don’t come with much liability insurance. If that’s true for you, you may need an umbrella insurance policy to add to your coverage. To find out more about umbrella insurance, contact us at Shavano Insurance Agency LLC in San Antonio, TX.

Boosting Your Insurance Coverage

Umbrella insurance is used with two other types of insurance. If you have both auto and home insurance, you can get umbrella insurance to add to one of the types of coverage that these policies offer. Your auto and home policies have a small amount that is your liability coverage from those policies. However, as these amounts tend to be very low, umbrella insurance adds to the liability coverage that you have with both of these policies. This can help you to avoid a variety of financial problems with its boost of coverage. 

How It Works

First, there is an accident in your home or vehicle. Then, your home or auto insurance policy will assess the accident and figure out who is at fault. Next, the policy will pay for the accident until it reaches its payout limit. And because these limits tend to be low, anything left over to pay will come directly from your pocket. However, if you have umbrella insurance, the overage goes to your umbrella policy to be paid instead of your having to pay it. This can save you an enormous amount of money and even save you from serious financial harm. Umbrella policies have very high payout limits, so even a serious accident can be paid in full. 

Get Your Umbrella Policy

For more liability insurance, an umbrella policy can come in handy. If you’re interested in one of these policies, contact us at Shavano Insurance Agency LLC in San Antonio, TX to learn more about them. 

Advantages of Getting Flood Insurance

If you live in the San Antonio, TX region, you are likely to know that the area has seen its fair share of flooding disasters. With this comes property destruction, resulting in considerable damage to homes and businesses in the area. Fortunately, flood insurance is designed to cover such events, with Shavano Insurance Agency LLC breaking down the benefits of getting a flood coverage policy.

Protects Your Assets

Flooding does not have to be significant to cause property destruction, with faulty systems such as broken drainages causing just as much destruction as any weather-related flooding. If you experience flooding from such occurrences, you are likely to pay out-of-pocket, an aspect that will cause a dent in your finances. Flood insurance can help you avoid such costs and will come in handy in providing compensation for fixing your property and replacing any damaged assets when flooding occurs.

Gives You Peace of Mind

Predicting a weather event is close to impossible, a factor that can often cause worry for residents in the area. Rather than living in the unknown of whether your property will be protected when disasters strike, flood insurance comes with the assurance that your assets are protected, helping you get peace of mind throughout the year. This allows you to carry on with your daily routine without any stress, since you are guaranteed compensation to help you get back on your feet during unexpected flooding incidents. 

Eases Your Home Ownership Journey

Due to the frequent flash floods in the area, numerous mortgage lenders require home buyers to carry flood insurance to guarantee that their investment will be protected when flooding occurs. Failure to have flood coverage could put you at a disadvantage and will likely leave you without a home. The solution to this lies in getting flood coverage, as it will help you get on the right side of your mortgage lenders, giving you access to various property choices.

To get flood coverage customized for San Antonio, TX residents, make it a point to call Shavano Insurance Agency LLC today.

A Guide To Help Texas Car Collectors Find Classic Car Insurance

Shavano Insurance Agency LLC provides coverage to the San Antonio, TX community and the surrounding areas. We seek to simplify the process of finding coverage for our clients. We hope to provide excellent customer service as we work with you to find the coverage you need.

Classic Car Insurance Guide

As a classic car collector, you have invested a lot of time and energy into this hobby. Classic cars are precious commodities which means there is always a high demand. Classic car trade shows and exhibitions in San Antonio, TX are always packed. While you are probably careful when you drive your classic cars to shows, you are still at risk. Classic car insurance gives you a safety net to lean on if you are somehow involved in a collision while driving.

You must drive your classic car on a minimal basis. Ideally, you should only drive the car to special shows and exhibits. If the vehicle goes over a specific amount of miles, it may lose its classic car status. Performing regular maintenance on your classic car is also important. If you opt to add custom parts or accessories to your vehicle, you can amend your policy to cover those items if they are damaged or stolen.

Liability coverage may not seem important to you, but it only takes a split second for something to happen. You are covered if your vehicle causes damage to someone else or another object. If you are riding with a passenger and suffer an injury, liability coverage will protect you. You can also amend your policy to protect your classics while they are in storage. Before choosing a policy, be sure to have your classic cars appraised to determine their true value.

Shavano Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about classic car insurance.

Common Causes of Motorhome Accidents and How To Stay Safe

According to Shavano Insurance Agency, LLC, the number of motorhome accidents that have been reported in San Antonio, TX continues to increase every year. This has led to severe bodily injuries, damage to properties, and unending legal battles. Understanding the major causes of motorhome accidents and how to prevent them is crucial progress towards minimizing such accidents. 

Overspeeding

Overspeeding is one of the leading causes of recreational vehicle accidents across the country. Like in auto accidents, any speeding recreational vehicle, especially in bad weather conditions, is likely to cause an accident. Drivers and motorhome owners can cut RV accidents by more than 50% if they observe speed limits and stop speeding in bad weather conditions. 

High Winds

In very rare situations, you can come across a recreational vehicle that high winds have flipped. However, lightweight motorhomes that are not stable enough are likely to flip when they encounter powerful winds. This is something that you can solve by parking instead of driving against strong winds. You can also make your RV steady by increasing its weight, which will drastically reduce the winds’ impact. 

Overloading 

Most families tend to overload their recreational vehicles because they do not want to leave anything behind. Overloading is a recipe for disaster, and in case of an accident, your motorhome insurance will not be responsible. Although it is necessary to carry everything you may need, sometimes you have to sacrifice or make do with what is available and avoid overloading your motorhome because it can have permanent impacts on your life and family. 

However, if you are involved in an RV accident in San Antonio, TX, you need an insurance company to take care of your needs. Shavano Insurance Agency, LLC offers professional consultancy services and RV insurance coverage to motorhome owners. Contact us today for more information.

Who needs RV insurance in San Antonio?

If you are a resident of the San Antonio, TX area, finding a way to get around the city and the rest of the state is a good option. If you want to explore all that Texas has to offer, getting an RV is a good option. Those that choose to get an RV in this state will enjoy the benefits that come with it and should protect it with insurance. There are several reasons that people here should get RV insurance.

Insurance is Required by Law

If you are going to operate a vehicle on a Texas road, you will want to have proper insurance in place. The state requires that you carry liability insurance when driving an RV. Those that fail to comply with this requirement will be penalized when caught. This could include being fined or even losing your right to drive. 

Insurance Protects Asset

It would be best to get an RV insurance plan to ensure that your asset is properly covered. Buying and maintaining an RV takes a big investment and commitment, which you will want to protect in the future. This can be protected if you get an RV insurance plan that includes a full collision and comprehensive policy. 

If you looking for RV insurance in the San Antonio, TX area, you must pick the right plan for your situation. Since this can be somewhat complicated, it is a good idea to call Shavano Insurance Agency LLC. The team with Shavano Insurance Agency LLC understands the value that this coverage provides. We can help you build a plan to protect your RV and ensure you are in full insurance compliance. 

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