What You Need to Know About Insurance for Living in Your Motorhome

Posted on June 28, 2024June 26, 2024 by admin

Are You Planning a New Phase of Your Life, Living Full-Time in Your Motorhome?

Living full-time in a motorhome or RV requires additional insurance coverage. Shavano Insurance Agency LLC, based in San Antonio, TX, and serving the entire state of Texas and beyond, has crucial advice for securing your life on the road.

Merely insuring your motorhome as if it were a typical vehicle won’t suffice when you start using it on the road full-time. You will require RV or motorhome insurance specifically designed for full-time residents.
One of the risks full-time RVers face that recreational RVers do not is liability for personal injury. You will need coverage that includes personal injury liability for guests who might get injured in your motorhome.
Frequent driving of your motorhome or RV increases the risk of unintentional property damage. You will require augmented liability protection in addition to your comprehensive, collision, and uninsured motorist coverage.

People who cash out their retirement, spend an inheritance, or otherwise achieve high income may face additional challenges before choosing to spend their lives on the road.

In the event of a legal situation, deep pockets are often the target for legal professionals.

The ideal protection for this situation is umbrella insurance. This type of personal liability insurance can shield you if you’re found legally responsible for a covered claim. It covers various things, including:

Property damage
Injury to others
Medical costs
Legal fees

Remember to include coverage for other vehicles, such as your boat, motorcycle, electric bicycle, or second car that you tow behind your home.

Shavano Insurance Agency LLC can assist you in finding the coverage you need, whether you maintain San Antonio, TX as your home base or the roads of North America as your home. Contact us today to ensure you have the coverage you require!

Who Needs Full-Timers RV Insurance?

Posted on May 29, 2024May 29, 2024 by admin

Shavano Insurance Agency LLC offers its customers recreational vehicle (RV) insurance that protects their financial security in San Antonio, TX, and wherever in the U.S. they travel. Most RV policies cover property and bodily injury liability, but you can add comprehensive and collision coverage to create a full coverage policy.

Full Coverage or Full-Timers?

Full coverage works great if you only take an occasional trip in your RV. It provides the same strong coverage as a well-designed auto policy.

If you decide to travel the country in your RV full-time—living in it as your home—you need full-timer coverage. This adds to the liability and personal property coverage, creating home insurance for your RV.

Why Upgrade to a Full-Timer’s Policy?

When you start living in your RV and traveling full-time in it, you take a lot of valuable property with you. You probably pack up your hobbyist equipment and some tools. You upgrade the electronics and appliances in your RV. That equals a lot of money you would lose if an accident occurred and damaged the RV and its contents.

When you live in an RV, you use it like a home. That means you have friends and family over to your home for coffee or a meal. All those people visiting you increase your liability. The cramped quarters of an RV can contribute to trip and fall accidents. Your increased liability coverage pays for the medical bills incurred if an accident happens on or in your RV.

Contact Us Today

At Shavano Insurance Agency LLC, we want your insurance to work for you. Before you leave San Antonio, TX, on your next trip, visit our office to update your RV insurance. If you plan to live in your RV full-time, you’ll need to switch to full-timers insurance.

Motorcycle Insurance for Electric Bikes

Posted on April 26, 2024April 27, 2024 by admin

With the popularity of e-bikes in the San Antonio, TX, region, motorcycle insurance is evolving to accommodate the unique needs of riders of these eco-friendly vehicles. As electric vehicles become more prevalent, insurers adapt coverage options and underwriting practices to ensure adequate protection for e-bike riders.

Understanding Electric Bike Risks

Electric bikes pose distinct risks compared to traditional motorcycles, necessitating tailored insurance coverage. While e-bikes offer environmental benefits and lower operating costs, they also present unique safety considerations, including battery-related hazards, maintenance requirements, and potential theft of expensive components.

Tailored Coverage Options

Insurers recognize electric bikes’ specialized nature and offer tailored coverage options specifically designed for e-bike riders. These options may include battery damage or failure coverage, specialized accessories, and theft protection for expensive components such as electric motors and batteries. By offering customized coverage solutions, insurers ensure that e-bike riders have access to adequate protection against the unique risks associated with electric vehicles.

Pricing and Underwriting Considerations

Insuring electric bikes involves pricing and underwriting considerations that differ from traditional motorcycles. Insurers may factor in variables such as battery type, vehicle specifications, and charging habits when determining premiums for e-bike riders. Additionally, insurers may offer incentives or discounts for riders who invest in safety features, such as anti-theft devices or electronic stability control systems, to mitigate risks associated with e-bike ownership.

Promoting Safety and Sustainability

In addition to providing insurance coverage, insurers promote safety and sustainability within the e-bike community. By offering discounts for completing safety courses, promoting eco-friendly riding practices, and advocating for infrastructure improvements to support electric vehicle use, insurers contribute to a safer and more sustainable transportation ecosystem.

Let Shavano Insurance Agency LLC Inform You

Shavano Insurance Agency LLC helps answer motorcycle insurance questions and serves the San Antonio, TX region. Call us today.

What Types of Damage Does Boat Coverage Cover?

Posted on March 29, 2024March 21, 2024 by admin

When you’re out on the water, enjoying the serene beauty of San Antonio, TX, the last thing you want to worry about is potential damage to your boat. That’s where comprehensive boat coverage from Shavano Insurance Agency LLC comes into play. While many boat owners understand the importance of insurance, they may not be fully aware of the extent of coverage available for their watercraft.

Physical Damage Coverage: Boat insurance typically includes coverage for physical damage to your vessel. This encompasses damage resulting from collisions, storms, fires, theft, vandalism, and other unforeseen events. Whether your boat suffers hull damage or requires repairs due to an accident, physical damage coverage helps offset repairs or replacement costs.
Liability Coverage: Accidents happen, and if you’re found liable for injuring someone or damaging property while operating your boat, liability coverage can offer financial protection. It helps cover legal fees, medical expenses, and property damage costs incurred by third parties, providing peace of mind and safeguarding your assets.
Medical Payments Coverage: In the unfortunate event of an accident resulting in injuries to you, your passengers, or even water skiers being towed by your boat, medical payment coverage can help cover medical expenses. It ensures that necessary medical treatments, hospital bills, and related costs are taken care of promptly, regardless of fault.

We understand the unique risks associated with boating in San Antonio, TX, and beyond. Our customizable boat coverage options are designed to meet your specific needs, offering comprehensive protection and invaluable peace of mind on the water. Contact Shavano Insurance Agency LLC today for expert guidance and a personalized insurance plan tailored to your needs.

Why might classic car insurance be a better option than standard auto coverage?

Posted on February 28, 2024February 19, 2024 by admin

For people who love cars in the San Antonio, TX area, owning a classic vehicle can be a dream. When you are a classic car owner here, not only will it be a prized possession and vehicle, but it could also be a great investment. Accordingly, you will need to have a unique type of insurance to cover this asset. A classic car insurance plan may be a better insurance option than a standard auto for various reasons.

Cover Collectible Value of Car

One of the main reasons to have a classic car insurance plan is so you can receive the full collectible value of the car. With a standard auto insurance plan, the level of coverage you receive will be based on the market value, which can depreciate over the years. With a classic car insurance plan, you can get to a fair replacement price, which can include any appreciation that comes with these collectibles.

Realistic Liability Protection

Whenever you ever plan on driving your classic car, you will need to have liability coverage. However, classic cars are driven sparingly, and your actual liability risk is quite low. When you get a classic car insurance plan, you will receive necessary liability coverage, but your premiums can be based on the actual mileage you drive each year.

If you are going to buy a classic car and you are in the San Antonio, TX, area, you will find that having classic car coverage is a great option. As you are shopping for a new policy, you can give us a call at Shavano Insurance Agency LLC to discuss your needs. Our team of insurance professionals with Shavano Insurance Agency LLC will provide you with any help that you need to have your questions answered to ensure you build an ideal plan.

Risk Factors That Could Make Umbrella Insurance Necessary

Posted on January 22, 2024January 29, 2024 by admin

An umbrella insurance policy provides additional coverage that your standard policies don’t supply. Learn about some risk factors that could indicate that you should invest in an umbrella policy. One of our San Antonio, TX agents at Shavano Insurance Agency LLC can update your existing policy, to provide you with the additional coverage needed.

A Lot Of Assets

If you have a lot of assets at your disposal, a basic liability insurance policy won’t provide enough coverage. The liability limit that your policy outlines may be far less than the true value of what you own.

In a situation like this, having access to an umbrella insurance policy will be beneficial. The umbrella insurance policy will act as a second layer of protection. It will cover the assets that your original insurance policy didn’t cover.

Serious Vehicle Accident

A serious vehicle accident that causes damage to another party’s car or that causes bodily injury could result in a lawsuit. The cost of the repairs and medical bills could far exceed what your insurance policy will cover.

If you drive daily, it may be in your best interest to purchase an umbrella insurance policy. An umbrella insurance policy will provide extra protection for your personal vehicles and business vehicles.

Residential Property Injuries

If someone gets injured on your property, your current home insurance policy will only cover the costs you were initially quoted. Legal matters that require an attorney’s assistance can be expensive. An umbrella insurance policy will cover the costs that are incurred during the legal proceedings.

Consult With Us

Shavano Insurance Agency LLC in San Antonio, TX will discuss umbrella insurance policies with you and help you select the coverage you need.

Global Perspectives on Flood Insurance

Posted on December 21, 2023January 4, 2024 by admin

Floods pose a universal threat to communities like San Antonio, TX and worldwide, transcending geographical boundaries. Recognizing the global impact of flooding, nations worldwide are increasingly turning to flood insurance as a crucial tool for mitigating the financial consequences of these natural disasters.

Adapting to Varied Risk Profiles

Global perspectives on flood insurance reflect the diverse risk profiles of different regions. The demand for comprehensive flood coverage is exceptionally high in areas prone to frequent flooding, such as low-lying coastal regions or river deltas. In contrast, regions with lower historical flood risks may adopt different insurance models, highlighting the need for flexibility in addressing localized challenges.

Fostering Resilience through Public Intervention

Many nations recognize the need for government-backed flood insurance initiatives. The establishment of national flood insurance programs akin to the U.S. National Flood Insurance Program (NFIP) showcases a shared commitment to fostering resilience and offering financial protection to citizens in the face of flood-related risks.

A Shared Challenge and Opportunity

The overarching challenge of climate change inevitably influences the global perspective on flood insurance. Rising sea levels, changing precipitation patterns, and increased frequency of extreme weather events underscore the urgency of comprehensive flood risk management. In response, nations are reevaluating their insurance strategies, emphasizing the interconnecting of global climate challenges.

Collaborative Solutions for Complex Challenges

Innovative solutions and public-private partnerships are emerging as key components of global flood insurance strategies. Collaborative efforts leverage the strengths of both public and private sectors, allowing for more effective risk assessment, improved data analytics, and the development of insurance products that address the evolving nature of flood risks.

How Shavano Insurance Agency LLC Can Help You

At Shavano Insurance Agency LLC, we can help answer questions concerning flood insurance. We serve the San Antonio, TX area. Contact us today.

Should I get motor home insurance if I live in Texas?

Posted on November 17, 2023November 27, 2023 by admin

Those who are living in the San Antonio, TX area can find owning a motor home is a good option. A motor home can offer you a comfortable place to reside that offers the flexibility to move when you want. If you are going to purchase a motor home, it would also be a good option to get a motor home insurance plan for various reasons.

Ensure Asset is Protected

A great reason to have a motor home insurance plan is so you can ensure your asset is protected. When you are going to purchase a motor home, you will be making a large investment that you will want to enjoy for a long time. With a full motor home insurance plan, you will get the support you need to replace or repair it if you incur a covered loss.

Liability Coverage

When you are an owner of a motor home, you can find there are various liability risks. This can include the risk that someone is hurt when they are in your property. If this occurs, you could be responsible for covering damages and medical bills. Fortunately, if you do have a full motor home insurance plan, you will get the support you need to cover these liability costs.

We Are Here To Help

If you do invest in a motor home and are in the San Antonio, TX area, you do need to make sure you get the right insurance for it. A great way that this can be done is by calling our team with Shavano Insurance Agency LLC. Our insurance team at Shavano Insurance Agency LLC knows how valuable this coverage can be and they can offer any support you need to build a policy that will protect your motor home.

What to Do in San Antonio if You Have an Accident in Your RV

Posted on October 20, 2023October 30, 2023 by admin

If you have an accident while in your RV, the process for dealing with it isn’t much different than a normal automobile accident in San Antonio, TX. At Shavano Insurance Agency LLC, we want you to know what to do if you’re in an accident while in your RV.

Ensure Everyone’s Safety and Check for Injuries

Check yourself and any passengers for injuries. If you or anyone has an injury, call or try to have someone call for medical assistance immediately. Don’t move if you’re hurt and don’t move anyone else who has a serious injury unless it’s necessary. Otherwise, check on the other party.

From there, everyone should move their vehicles to the side of the road, if possible. Turn on your hazard lights and set up flares or cones if you have them.

Call the Police and Get a Police Report

Always call the authorities, even for minor accidents. The authorities can document the scene, take statements from everyone, and create a police report.

Exchange Information with the Other Driver

Get the name, address, phone number, license plate number, and insurance information of the other driver. Also, get the contact information of any witnesses who saw the accident. This isn’t always possible, which is another reason it’s important to have a police report.

Take Pictures and Document the Scene

Take photos of the damage to your RV and any other vehicles involved. Also, take pictures of any other relevant details. If you’re not in a position to do these things, then have someone you trust to do it on your behalf.

Contact Your Insurance Agent as Soon as Possible

As soon as possible, call your insurance agent or company to file your claim and seek advice on what you need to do next.

We Are Here To Help

At Shavano Insurance Agency LLC, we want you covered so that you can handle any eventuality that stems from a potential accident in your RV. To learn more about our RV insurance coverage options for RV owners in and around San Antonio, TX, contact us today.

Is Motorcycle Insurance Required in Texas?

Posted on September 22, 2023October 1, 2023 by admin

Is Motorcycle Insurance Required in Texas? Well, as a matter of fact, it is, and like all states in the country, with the exception of Florida, you must have proof of motorcycle insurance before you can even register your motorcycle to receive a license plate for it. Also, you must have motorcycle insurance to legally drive your bike on public roads in the state of Texas. Our agents at the Shavano Insurance Agency LLC serving the San Antonio, TX area are ready to assist you with all of your insurance needs, including motorcycle insurance.

Motorcycle Insurance FAQs

What Does Motorcycle Insurance Cover?

The type of motorcycle insurance policy you have will determine what is covered by your policy. Read on for more information on the coverage options that are available when it comes to motorcycle insurance.

Motorcycle Insurance Coverage Options

Liability Insurance: This is the type of insurance you must have to legally drive in Texas. It will help pay for any damage or injuries you cause in an accident.

Comprehensive Insurance: This type of insurance is very important when it comes to the investment you have made in your motorcycle. This is because it will help to replace or repair your bike if it is stolen or if it is damaged or destroyed by a natural disaster, an act of vandalism, or even a fire.

Comprehensive Insurance: This type of insurance will help pay for damages that your motorcycle sustains or causes if you collide with another vehicle or stationary object.

If you owe money to a lender for your bike, you may be required to have all of these types of insurance in place for the duration of your loan.