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.

How Does Motorcycle Insurance Work?

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

Covering Your Liability

Comprehensive and Collision

Get Your Motorcycle Coverage

Why Every Boat Owner Needs Boat Insurance

Posted on August 30, 2022August 30, 2022 by admin

When you own a boat, you’ve invested a lot into it. You need to keep it protected with a boat insurance policy. It’s important to have it in place at all times so that your boat, and you, are always protected. There are many risks that exist for boats, and boat insurance can help you to mitigate those risks. If you have a boat that isn’t insured, call us at Shavano Insurance Agency LLC in San Antonio, TX to get started.

Boats and Risks on the Water

Your boat faces a lot of risks on the water, and these include risks that you are liable for. When you get into an accident on the water that is your fault, you are liable for the damage that is caused to others. You could face paying a lot of medical bills due to injuries sustained in the accident. It’s a good idea to have liability insurance coverage for your boat so that these bills can be paid by the policy. It’s also a good idea to have collision coverage so that the damage to your own boat is covered if you are in an accident.

Other Types of Coverage

Comprehensive coverage is a type that covers the boat when it isn’t on the water. There are many risks that boats face when they are on land, and it’s a good idea to have this coverage to protect the investment you’ve made in your boat. There is also lost article coverage that pays for items that you lose during an accident with your boat.

Protect Yourself With Boat Insurance

It’s always smart to have boat insurance, even though boat insurance isn’t required in Texas. You can stay protected with a boat policy y calling us at Shavano Insurance Agency LLC in San Antonio, TX.

Does Umbrella Insurance Cover My Business?

Posted on July 29, 2022August 1, 2022 by admin

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

Posted on June 30, 2022July 1, 2022 by admin

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?

Posted on May 31, 2022June 9, 2022 by admin

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

Posted on April 29, 2022May 10, 2022 by admin

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

Posted on March 31, 2022April 8, 2022 by admin

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?

Posted on February 15, 2022February 3, 2022 by admin

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.