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.

What is full-timers insurance?

Posted on October 27, 2022October 27, 2022 by admin

When you purchase RV insurance, Shavano Insurance Agency LLC offers many choices, but you can boil it down to two – a full-timers policy or a motor vehicle policy that meets the state requirements for Texas automobiles.

You need a motor vehicle policy for your RV if you want to drive it around San Antonio, TX and beyond. If you want to park your RV in a travel lot or at a resort park and live in it full-time, you need a full-timer’s policy.

Full-timers Insurance: What You Need To Know

A full-timers policy provides enhanced collision and comprehensive coverage. These policies protect your RV better if you will travel in it full time.

Other full-timers policies provide more liability coverage because you plan to park them and skirt the bottom or remove the tires and block the bottom. In these cases, you’ll use the RV as a non-traditional home, hooked up to a water line and electrical line.

Enhanced personal property coverage comprises another benefit of the full-timers policy. Using your RV as a home means upgrading your appliances and potentially upgrading your power supply. You might switch from propane to solar, which requires installing solar panels and an inverter.

The typical RV policy essentially provides your RV with coverage similar to that of your automobile. A full-timer’s policy works like a home policy for your RV.

Contact Us Today

Let Shavano Insurance Agency LLC help you insure your RV properly. You can phone us, email us, or visit our offices in San Antonio, TX. We will discuss your intended use of your RV and suggest appropriate RV insurance that will adequately cover your vehicle. Contact us today to get started.

How Does Motorcycle Insurance Work?

Posted on September 27, 2022September 27, 2022 by admin

When you love to hit the open road on a motorcycle, it’s important to make sure that you are covered against many of the risks that you face as a motorcycle owner. It’s required that you have motorcycle insurance on your bike so that you, and others, are protected in case of an accident. If you are in San Antonio, TX, call us today at Shavano Insurance Agency LLC. Never go without the insurance policy you need to stay legal and protected.

Covering Your Liability

Just as with auto insurance, your motorcycle insurance policy has to have liability coverage within it. There are different kinds of coverage that are all in your motorcycle insurance, and this includes liability protection. You must by law have liability protection that covers the costs involved with accidents that are judged to be your fault. The coverage types that you need include bodily injury liability which pays for a third party’s medical bills if they have been injured in an accident. Property damage liability covers the cost of the damages to the other party’s vehicle or other property. When you have this coverage, you are less likely to be sued for damages because the policy will be there to pay for them.

Comprehensive and Collision

When you get your motorcycle policy, you should opt to get collision coverage and comprehensive coverage. These two types protect your own vehicle against various risks and can pay to have the bike repaired or replaced if there is an accident or other incident that damages it.

Get Your Motorcycle Coverage

When you own a motorcycle, you need to have the right policy in place to protect yourself. Call us at Shavano Insurance Agency LLC in San Antonio, TX to find out more and to get started with the right policy for you.