What Boat Insurance Policies Cover

Posted on August 24, 2023August 31, 2023 by admin

Boat insurance policies have the potential to offer a wide variety of coverage options that offer protection if you own/operate a boat or watercraft. If you are a boat owner in the greater San Antonio, TX area, the insurance professionals at Shavano Insurance Agency LLC can help you find the most suitable insurance coverage for your watercraft.

Boat Insurance Coverage Options

Coverage for boats will vary, depending on the policy and your boating insurance needs, but typically includes:

Physical Damage to the Boat

If damaged by a covered peril, this portion of the policy covers the expenses related to repairs or replacement.

Liability

If the insured, while operating the boat, causes property damage/bodily injury to another individual, it may cover medical expenses, legal fees, etc.

Medical Payments

Regardless of who may be at fault, this covers medical costs for you and your passengers if injured on the boat.

Uninsured/Underinsured Boater

This helps cover expenses if a party to the accident is underinsured/uninsured.

Personal Property

Personal property on the boat – fishing gear or electronics, etc. that is damaged or lost may be covered.

Other optional riders/coverage includes –

Towing and Emergency Assistance
Wreck Removal
Fuel Spill Liability, and more.

Note that some policies might establish navigation limits – parameters that define where you can operate the watercraft. Extending past these limits might impact coverage.

Schedule A Consultation Today!

Keep in mind boat insurance varies widely, so it is essential to review your boat insurance policy terms and discuss your specific insurance needs with a licensed provider to ensure that you have the right coverage for your boat and your boating activities. Contact Shavano Insurance Agency LLC serving the greater San Antonio, TX area.

Why Is Classic Car Insurance Better Than Ordinary Auto Insurance?

Posted on July 21, 2023July 26, 2023 by admin

Think about it. Classic and antique cars and trucks stay in protective garages all the time. The only occasions on which they leave that garage is for car shows. The premiums are lower due to that rare appearance in public. Classic and antique cars and trucks appreciate in value, too. You’ll want to protect that.

Some classic car owners drive their classic cars to the store or to work. Most states have a rule that these cars can only be driven on the weekend and only to the grocery store or something similar. This brings up problems that Shavano Insurance Agency LLC in San Antonio, TX will be happy to explain to classic car owners.

Why Classic Car Insurance

It’s About Parts

Older cars often suffer from post-part blues. The older the car, the scarcer the parts to repair it. On the other hand, a true classic car that was manufactured in the thousands could still have parts available from the manufacturer if from no one else. Classic car parts can be found online and at swap meets and car shows.

It’s About Value

Several industries have decided that classic and antique cars and trucks are more special than your everyday auto. Both the owner and the insurance company decide on the value of the car based on an appraisal. Classic cars appreciate in value, so the car is insured up to that value. Ordinary cars don’t enjoy that since they depreciate in value.

Did You Know?

Not only are cars considered classics. Military vehicles, old milk trucks, tractors, and antique motorcycles all qualify as classics. All these and more are eligible for classic car insurance.

Reach Out To Us

Classic cars get better insurance due to the owner’s driving record, the sparse time they will be on the road, as well as the garage they’re kept in. Call or drop in so that Shavano Insurance Agency LLC San Antonio, TX can tell you all about it.

Who should get umbrella insurance?

Posted on June 16, 2023June 19, 2023 by admin

Umbrella insurance from Shavano Insurance Agency LLC is an important type of coverage that can provide additional protection for individuals and their assets. In today’s world, where lawsuits can arise from a myriad of sources here in the San Antonio, TX area, umbrella insurance is an essential way to safeguard your financial future.

Who should get umbrella insurance?

Anybody who has valuable assets that could be at risk in the event of a lawsuit should consider getting umbrella insurance. This includes business owners, professionals such as doctors, lawyers, or even individuals with high net worth. Even people who have relatively low incomes can benefit from the additional layer of financial protection that umbrella insurance provides.

It’s important to remember that not all threats come in the form of a lawsuit; umbrella insurance also covers certain damages resulting from accidents or unexpected events, such as damage caused by a hurricane. If you are concerned about your financial safety and security, then it might be worth considering adding umbrella insurance to your current policy.

When selecting an umbrella insurance policy, there are a few things to consider. One is the policy limit; this is the maximum amount of coverage you can have, and it should be high enough to provide adequate financial protection in case of a major event. It’s also important to understand what types of damages are covered by your policy and how much your deductible will be, as this can affect the amount of money you pay out of pocket if a claim is made.

Reach Out To Us

For more information or to explore a policy, give us at Shavano Insurance Agency LLC a call today. We are proud to serve the San Antonio, TX area and would be happy to help you.

I already have homeowners insurance. Do I need flood insurance as well?

Posted on May 19, 2023June 7, 2023 by admin

If you already have homeowners insurance from Shavano Insurance Agency LLC, it’s important to evaluate whether you should also get flood insurance. Your standard homeowners’ policy typically doesn’t cover flooding, so having a separate flood insurance policy can provide much-needed protection in the event of a flood here in the San Antonio, TX area.

Why Flood Insurance?

It’s important to understand that the risk of flooding is not limited to waterfront properties—any home can be impacted by flooding, making it essential to research the risks and potential costs associated with floods in your area.

The National Flood Insurance Program provides coverage for both residential and commercial properties, helping to offset the costs associated with flood damage repair or replacement. Additionally, many lenders require borrowers who live in high-risk zones to purchase a flood insurance policy as a requirement for obtaining a mortgage loan. So even if you don’t think your property is at risk for flooding, you may still need to consider getting coverage if required by your lender.

By doing your research and understanding the different types of coverage available, you can make an informed decision about whether or not you need additional protection from floods by purchasing a separate flood insurance policy.

Reach Out To Us!

For more information or to find a policy that is right for you, give us at Shavano Insurance Agency LLC a call today. We are proud to serve the San Antonio, TX area and would be happy to help you find a policy that meets both your needs and your budget. So don’t wait. Give us a call today and give your home the protection it deserves.

Can I Take My Motorhome To A National Park?

Posted on April 11, 2023May 3, 2023 by admin

Some of America’s most recognizable landmarks and historical sites can also be found in national parks. Consider bringing your RV to one of America’s national parks for a memorable road trip adventure. There are plenty to pick from, each with its own distinct charms and attractions. Shavano Insurance Agency LLC is proud to serve the residents of San Antonio, TX and supply quality motorhome insurance.

Here are a few tips to help make your visit go smoothly:

1. Select an interesting national park and research the best places to stay in a motorhome within that park. Campgrounds and RV parks are popular options since they often provide convenient access to hiking trails, picnic spaces, and other outdoor activities.

2. RV spots are in hot demand so make sure to make a reservation before starting your trip!

3. Before you go, thoroughly plan your route and ensure you have enough gas to get you there. You should also bring all of your camping equipment, such as a tent, sleeping bags, cooking materials, and food. You should also include some extra supplies, such as an emergency kit and a first aid kit, just in case.

4. When you arrive at your location, spend some time exploring the park and becoming acquainted with the rules and regulations that apply to motorhomes and other types of vehicles. It’s crucial to make sure you’ve checked for any park-specific restrictions, such as the maximum vehicle size allowed.

Get Motorhome Insurance Today

Make sure you have coverage for your motorhome before you leave. Call Shavano Insurance Agency LLC today for additional information about motorhome vacations. We are honored to serve the state of San Antonio, TX.

Why Choose a Comprehensive RV Insurance Policy?

Posted on March 27, 2023April 6, 2023 by admin

If you’re like most people, your RV is more than just a vehicle—it’s a home away from home. And just like your home, you want to ensure your RV is adequately protected in case of an accident or other unforeseen event. That’s where comprehensive RV insurance in San Antonio, TX from Shavano Insurance Agency LLC comes in.

Why You Need RV Insurance

Just as you wouldn’t dream of driving your car without auto insurance, you shouldn’t hit the open road in your RV without proper insurance coverage.

1. Accidents Happen: Even if you’re the most careful driver in the world, accidents can still happen. And if you’re involved in an accident with another vehicle, chances are good that your RV will sustain some damage.

2. RVs Are Expensive: RVs are a significant investment, and if yours is totaled in an accident or stolen, you could be left owing a lot of money to your lender.

3. It’s the Law: In most states, driving an uninsured vehicle is actually against the law—including RVs.

Types of Coverage Available

Now that we’ve looked at some reasons why you need RV insurance, let’s look at the available types of coverage. Some of the most common types of coverage available in San Antonio TX include:

• Collision Coverage: This type of coverage will pay to repair or replace your RV if it’s damaged in an accident with another vehicle—regardless of who was at fault.

• Comprehensive Coverage: This type of coverage will pay to repair or replace your RV if it’s damaged by something other than a collision with another vehicle—for example, by fire, theft, or vandalism.

• Liability Coverage: This type of coverage will protect you financially if you’re sued for damages after causing an accident that injured someone else or damaged their property.

Give Us A Call

Contact Shavano Insurance Agency LLC in San Antonio, TX today to learn more about our services or get started on a quote!

Types of Motorcycle Insurance Available

Posted on February 21, 2023February 28, 2023 by admin

Motorcycle riders in the San Antonio, TX area are required by law to have liability coverage in the amount of $30,000 per person or $60,000 per wreck to pay for injuries to the driver or passengers of the other vehicle. In addition, they are mandated to purchase $25,000 to cover property damage.

Other coverage is available for your bike, and this can include medical payment coverage that will extend to your own hospital bills and those who are riding with you.

Collision insurance helps when your motorcycle comes into contact with another object, and this can be something stationary, such as a tree or a lamp post, or it can also happen during a wreck. This indemnification pays for repairs to your own property.

Comprehensive coverage takes care of expenses that do not involve crashing into something, for example, if a falling tree branch lands on your chopper or if it is impacted by incidents like vandalism or theft. Your helpful Shavano Insurance Agency LLC representative can go into more detail about what would be included.

Uninsured motorist insurance is a type of indemnification that is used in instances where the other driver did not purchase insurance and is at fault for your injuries or property damage. Underinsuranced coverage is an option that is of benefit when the other individual has insurance, but it is not sufficient to completely cover expenses.

Gap insurance pays for the remaining balance when your bike is totaled, and you still owe your lender. This is available only to subscribers who already have comprehensive and collision insurance.

Shavano Insurance Agency LLC Can Assist You

We take pride in serving the area of San Antonio, TX providing insurance packages to meet our clients’ needs. We welcome you to reach out to us regarding your life circumstances, and we can be reached by phone, online, or in person.

Navigating the Seas of Boat Insurance

Posted on January 27, 2023February 1, 2023 by admin

Boating is a fun and popular pastime, but it’s important to protect your investment with boat insurance from Shavano Insurance Agency LLC. Whether you own a small fishing boat or a large yacht, boat insurance can provide financial protection in case of accidents or damage.

Why Boat Insurance?

First and foremost, boat insurance provides liability coverage in case you are found at fault for an accident that causes injury or damage to another person’s property. It also covers damage to your own boat, whether caused by collision, theft, or other perils. Additionally, boat insurance can provide coverage for medical expenses if you or your passengers are injured in a boating accident.

When choosing boat insurance, it’s important to consider factors such as the type and value of your boat, as well as the area in which you will primarily be using it. Shavano Insurance Agency LLC offers boat insurance options to fit the needs of our customers in San Antonio, TX and the surrounding areas.

It’s also important to understand the difference between insuring your boat for its market value or for its replacement value. Market value is the amount your boat is worth based on its age and condition, while replacement value is the cost to replace your boat with a new one.

In addition to providing financial protection, boat insurance can also offer additional coverage options such as towing and assistance, personal property coverage, and even coverage for loss of use.

Give Us A Call

At Shavano Insurance Agency LLC, we understand the importance of protecting your investment and we are dedicated to helping our customers in San Antonio, TX and the surrounding areas find the right boat insurance policy for their needs. Contact us today to learn more about the boat insurance options available to you.

Why should I get classic car insurance instead of standard auto coverage?

Posted on December 16, 2022December 13, 2022 by admin

If you are in the San Antonio, TX area and love cars, investing in your own classic vehicle can be a good idea. Along with getting one of these cars, you also need to have the right insurance. There are various reasons to get classic car insurance as opposed to a standard auto insurance plan when you are going to purchase one of these vehicles.

Benefits of Classic Car Insurance

Ability to Insure Full Value

A good reason to have classic car coverage is so you can insure the full value of the car. A classic car vehicle is unique because it can appreciate in value each year. This compares to most vehicles that will decline in value. If you have a classic car insurance plan, you are able to take this fact into consideration, which can help ensure the full value of your car is covered.

Policy Built to Reflect Actual Liability Risks

Another reason why many people will get classic car coverage is for liability insurance. Having liability coverage is a requirement no matter how frequently you drive. As classic car owners do not drive their cars very often, the actual risk of causing an accident is much lower than it would be with a standard auto insurance plan. When you build one of these policies, the premiums will take this into consideration.

Contact Us Today

If you are a classic car owner in the San Antonio, TX area, you will want to know that you have proper insurance for it. A great way to ensure you receive the proper support is by calling Shavano Insurance Agency LLC. There continue to be many options to consider when looking for this unique coverage and Shavano Insurance Agency LLC can help. These professionals offer the guidance necessary to build a proper plan that will continue to protect your classic car.

Why do you need to have motorhome insurance in Texas?

Posted on November 30, 2022November 30, 2022 by admin

Those that are in the San Antonio, TX area could consider a motorhome to be a good investment. As there are many great places to explore here, having a motorhome can be a good way to get around and comfortably see all that Texas has to offer. If you do buy a motorhome, it is very important that you also select the right insurance.

You will need to have a motorhome insurance plan for various reasons:

Protect Your Asset and Investment

One of the reasons someone should get a motorhome insurance plan is because it is a good way to protect your investment. A motorhome insurance plan offers all that you will need to replace or repair the motorhome if you are in an accident, it is stolen, or you incur another type of loss. Having a full comprehensive plan will also be needed if you have financed the purchase of the motorhome with a loan.

Offset Liability Risks

There are a lot of risks that come with owning and using a motorhome. Due to this, finding a way to mitigate and offset these risks should be a top priority. When you get a motorhome insurance plan, you will have the support you need if an accident occurs that you are deemed to be liable for.

Contact Us Today

People that live in the San Antonio, TX area need to ensure they are properly insuring all of their most important assets, including a motorhome. If you are going to purchase one of these assets, it would be wise to call Shavano Insurance Agency LLC to discuss your motorhome insurance needs. The professionals with Shavano Insurance Agency LLC will give you advice and guidance that will allow you to choose a plan that properly protects your motorhome.