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.

Securing Umbrella Insurance

If you need enhanced liability protection, call Shavano Insurance Agency LLC in San Antonio, TX, to learn more about umbrella insurance.

Does Flood Insurance Cover Tropical Storm Damage?

Posted on July 30, 2024July 24, 2024 by admin

Despite San Antonio, TX, lying inland from the Gulf of Mexico, hurricanes and tropical storms that come ashore can drop tremendous amounts of rain in our area. Consequently, homeowners and businesses may experience flooding due to these excessive rains and damage from high winds. Shavano Insurance Agency LLC can protect you from such perils with the correct policies.

Low-Lying Areas More Prone to Flooding

Much of Bexar County, where San Antonio is located, lies in a flood plain. Even if your home isn’t located in a designated flood plain, you still risk flooding from heavy tropical storm rains, especially if you live near a river or stream. These waterways often overflow their banks after tropical storms, potentially endangering your home. In these cases, your homeowner’s policy won’t cover any damage caused by floodwaters. You must purchase a separate flood insurance policy. You may also want to consider hurricane insurance to protect yourself against excessive wind damage, particularly if your homeowner’s policy has a high deductible.

Read Your Homeowner’s Policy Carefully

Many homeowner’s policies cover damage caused by storms, such as missing shingles, roof damage caused by fallen trees, missing siding, broken windows, and water intrusion caused by exterior damage. However, due to the risk of tropical storms and hurricanes, your policy may exclude these perils if they arise from a tropical event. Carefully reading your policy will help you understand which perils are covered and what the deductible is. This will allow you to determine the additional coverage you need for your home.

To ensure you get sufficient coverage for tropical storm and hurricane damage, contact the agents at Shavano Insurance Agency LLC, serving the residents of San Antonio, TX. We will gladly assist you in setting up a policy that meets your needs.

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.