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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

Does Umbrella Insurance Cover My Business?

Umbrella insurance is a type of policy that provides extra coverage in the event that your regular insurance policies are not enough. This can be an excellent option for business owners who want to protect themselves from potential lawsuits.

The question is, does umbrella insurance cover your business? That is a question that many people ask. In this article, we’ll discuss whether umbrella insurance covers your business.

What Kind of Businesses Does Umbrella Insurance Cover?

Umbrella insurance can cover a variety of businesses. This includes sole proprietorships, partnerships, limited liability companies (LLCs), and corporations. If you have any of these business structures, then umbrella insurance can provide you with additional coverage.

What Does Umbrella Insurance Cover?

Umbrella insurance can cover a variety of things. This includes liability arising from accidents, injuries, property damage, and more. Umbrella insurance can also cover you if you are sued for defamation, invasion of privacy, or false arrest.

Does Umbrella Insurance Cover My Business?

The answer to this question depends on a few factors. These include the type of business you have, the coverage you have, and the policy limits. If you have any questions about whether your business is covered, you should speak to an insurance agent. Insurance agencies such as Shavano Insurance Agency LLC in San Antonio, TX can help determine if your business is covered.

A Guide to Umbrella Insurance for Business

Umbrella insurance can be a great option for business owners who want to protect themselves from potential lawsuits. If you have any questions about whether your business is covered, you should speak to an insurance agent.

At Shavano Insurance Agency LLC in San Antonio, TX, we can help you find the right insurance for your business. Contact us today to get started. We look forward to helping you protect your business.

Don’t Skip Flood Insurance in San Antonio TX

As a resident of San Antonio, TX, you know floods are a genuine threat. The city is one of the most flood-prone areas in the country. That’s why it’s so important to have flood insurance.

Flood Insurance: What You Need To Know

Doesn’t My Home Insurance Policy Cover Flooding?

While your home insurance policy may cover some damage from a flood, it’s not likely to cover everything. That’s why flood insurance is essential. Flood insurance can help you cover the cost of repairs to your home and belongings if they’re damaged in a flood.

What Does Flood Insurance Cover?

Flood insurance can help you cover the cost of repairs to your home and belongings if they’re damaged in a flood. It may also cover the replacement price for lost or destroyed items. These can include things like clothes, furniture, appliances, and electronics.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on a few factors, including the value of your home and belongings, the chance of flooding in your area, and the amount of coverage you want. Your Shavano Insurance Agency LLC representative can help you determine the right amount of coverage for your needs and budget.

Is Flood Insurance Required?

Flood insurance is a good idea, even if you’re not required to. While flood insurance is not required by law, your mortgage lender may need it if you live in a high-risk flood area. That’s because floods can happen anywhere, even if you don’t live in a high-risk area.

Contact Us Today

If you have questions about flood insurance or want a quote, please contact Shavano Insurance Agency LLC in San Antonio, TX today. We’re here to help you find the coverage you need to protect your home and belongings.

How Can I Reduce The Cost Of Classic Car Insurance?

Many residents of San Antonio, TX own classic cars. If you are one of these residents, one of the things that might be bothering you is how you can bring down the cost of your classic car insurance. At Shavano Insurance Agency LLC, we would like you to get a better deal on your classic car insurance. Here’s how to do it:

Going for a Lower per Mileage Restriction

Most auto insurers offer per vehicle mileage restrictions on an annual basis. The more mileage you plan to drive, the higher your classic car insurance premium will be. If you don’t drive your classic car that much, you can lower the premiums you pay by opting for a lower per mileage restriction. Whenever you are about to hit your limit, it’s critical that you contact your insurance account manager and ask them to increase your annual per mileage limit.

Store Your Car in a Locked Garage

If you store your classic vehicle in a locked garage instead of the driveway, your insurance provider will consider it better protected and safer; thus, they will likely lower your classic car insurance premiums.

Do an Annual Valuation of Your Classic Car

If your auto insurance provider assumes that your classic car has a higher value, they will charge you higher premiums. Doing an annual valuation of your classic vehicle will enable you and your insurance provider to stay updated on the actual value of your car. Therefore you will pay premiums that reflect the real value of your vehicle.

Take Advantage of Multi-Car Discounts

If you own multiple classic vehicles, you can take advantage of multi-car premium discounts. It’s best that you insure all your classic cars under one policy to maximize your multi-car premium discounts.

At Shavano Insurance Agency LLC in San Antonio, TX we would be happy to answer all your auto insurance questions. Contact us today.

State Requirements for Motorhome Insurance

When you start driving in the state of Texas, you’ll need to purchase auto insurance. When you purchase an RV, you also need to insure it. You can’t use your existing auto insurance to insure your RV. That requires a separate policy specific to motorhomes. Shavano Insurance Agency LLC serves San Antonio TX with RV insurance to fulfill this requirement.

The state of Texas provides legal requirements for the level of motorhome (RV) insurance under the same law it requires auto insurance. Just as with auto insurance, you must purchase at least a minimum amount of insurance in the following amounts:

  • bodily injury liability in the amount of $30,000 per person per accident,
  • bodily injury liability in the amount of $60,000 per accident,
  • property damage in the amount of $25,000 per accident.

When you read a document referring to "30/60/25" coverage, it refers to this minimum policy type. You probably want more than this minimal amount of coverage. The required state coverage only protects other people’s medical costs and property damage. It doesn’t cover your vehicle or injuries. Also, consider carrying more than the minimum required by the state. An accident can cost much more than your insurance will cover if more than one person gets injured or you damage more than one vehicle. In

Contact Shavano Insurance Agency LLC serving San Antonio TX for more information on insuring your RV. Don’t road trip until you obtain coverage, so you won’t get a ticket on Texas roads.

4 Mistakes People Make with Their RV Insurance

RVing is a great way to see the country, but it’s essential to have the right insurance in case of an accident. Here are four mistakes people make with their RV insurance that can leave them unprotected.

1. Declining Emergency Roadside Assistance

As an RV owner, it’s important to have emergency roadside assistance coverage. This will come in handy if you break down on the road and if you experience a flat tire or lock your keys in your RV. Without this coverage, you’ll be forced to pay out of pocket.

2. Not Choosing Enough Liability Coverage

If you’re driving an RV, it’s crucial to have a lot of liability coverage. This is because RVs are so large and can cause a lot of damage if they accidentally hit anything or anyone. To protect your assets, get a policy that offers enough liability coverage.

3. Not Understanding Your Policy

To know how much coverage you have, it’s important to understand your policy. For instance, if your RV is financed, you may need to purchase collision, comprehensive, and liability coverage. Also, check to see if any of your personal belongings are covered so that they won’t be left unprotected in the event of an accident.

4. Not Updating Your Policy

Just because you had the right insurance in the past doesn’t mean you still have it today. If you made any changes to your RV or major life changes, such as getting married or divorced, getting a teen driver, or buying a home, you might have to update your policy.

Looking for RV Insurance in San Antonio, TX?

RVing is a common pastime for many Americans, but it’s important to remember that accidents can happen at any moment. By understanding how much insurance protection you need and updating your policy when necessary, you’ll be prepared if an accident occurs. Shavano Insurance Agency LLC offers RV insurance and would be happy to answer any questions you may have about your coverage.

 

What Are the Three Tiers of Motorcycle Insurance?

When you need motorcycle insurance, you’ll want to know what’s involved first. There are three basic levels from which you can choose. If you’re in the San Antonio, TX area, an agent from the Shavano Insurance Agency LLC can assist you with finding the right coverage for your needs. 

Third-Party

This is considered to be the simplest policy. The law requires you to have this as a minimum level of insurance. It covers injury, death, and loss or damage to your motorcycle by a third party. You will not have to pay for repairs as long as you have insurance. 

Third-Party with Fire & Theft 

This policy adds onto the third-party one, yet it also provides you with coverage for your motorcycle if it becomes damaged by fire or if you lose it due to theft. It’s ideal if you have to park the motorcycle somewhere that’s at high risk of being stolen. There’s always somewhat of a risk of your motorcycle catching fire, as well. Be prepared for these situations with adequate coverage. 

Comprehensive

Considered to be the most comprehensive you can get for your motorcycle, just like its name, you’ll have the highest level of coverage with this one. It includes what’s offered at the above two levels, yet you’ll also have coverage for damage, loss, and injury that arise from vandalism, natural disaster, and other insured perils. You’ll need to talk over the specifics with your agent to know for sure what they offer under this policy. 

Insurance doesn’t have to be a difficult matter. You can find just the right coverage for your situation by discussing your needs with a Shavano Insurance Agency LLC agent. We’ve served the San Antonio, TX region for years and would love to help you. 

6 Boat Insurance Terms to Know

Setting up your boat insurance can be a tricky task. If you aren’t familiar with the process, you might be a little overwhelmed with the industry-specific terms that are used in the paperwork. The following are some of the more commonly used words and phrases you’ll want to understand before you sign up. 

Agreed Value 

When you have this policy type, you and the insurance company come to an agreement about the value of your boat and its hardware before you start out with the policy. If you experience a total loss of your boat, this is what will be paid out from your policy. It’s the opposite of actual value, which means compensation for the current market value when you make a claim. 

Blue Water

This is the determination of your vessel’s navigational territory in waters that are more than five miles from land. On the other hand, brown water is the determination of navigational territory within five miles of the coast. 

Date Restrictions 

Under some policies, you’d only have insurance coverage between certain dates. This may lower your payments for those months when you likely won’t be able to use your boat due to the weather conditions. 

Lay-Up Period

This is the time period when you won’t use your boat. If a lay-up period is part of your policy, stay aware of the dates. 

Pollution Liability 

If this is part of your policy, you’ll have coverage if your oil or fuel discharges into the water. 

Towing Liability 

You should have this coverage if you expect that you’ll pull or tow anything behind your boat.   

If you need further information and clarification on these terms and to break down anything else in your policy documents, be sure to talk to an agent from Shavano Insurance Agency LLC of the San Antonio, TX area. Contact us and we’ll do our best to make the whole process easier. 

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.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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