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.

6 Boat Insurance Terms to Know

Posted on January 24, 2022February 3, 2022 by admin

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?

Posted on December 13, 2021December 8, 2021 by admin

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?

Posted on November 29, 2021December 8, 2021 by admin

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

Posted on October 15, 2021October 10, 2021 by admin

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.

Motorcycles With Riders: Are You Covered?

Posted on September 30, 2021October 10, 2021 by admin

Many motorcycle owners love taking friends and family members out on their bikes for a ride. But will your insurance policy help cover you if they are hurt? If you aren’t sure what to expect from your San Antonio, TX bike policy, we at Shavano Insurance Agency LLC can help you learn more. Doing so will help to protect you if you end up in an accident and hurt those you love while riding.

Knowing Your Coverage Options

What is interesting about motorcycle insurance is that it slightly varies from auto policies in a few ways. For instance, there is a chance that your policy may not cover people who are riding with you. That all depends on various factors and influences. Most of these influences will include things set up by your insurance provider and the state and can be quite diverse and often include things like:

The state laws regarding insurance and what your area says about it
Your insurance company’s policies and range of coverage
Any complications with your specific policy situation
Limitations on your policy based on various factors

Thankfully, many people can purchase an option called “guest passenger liability insurance” for their bikes. This policy upgrade will cover you if people are injured on your bike while you ride. Some bike policies may have this liability option already. Others may need you to add it. So make sure that you talk to your provider to learn more about your options in this unique situation.

Getting Help Today

At Shavano Insurance Agency LLC, we serve San Antonio, TX, and the surrounding area and help you understand your motorcycle insurance options. So, please don’t hesitate to reach out to us if you’re confused and need help fully understanding your coverage choices in this complex situation.

Benefits of Boat Insurance

Posted on August 16, 2021August 1, 2021 by admin

San Antonio, TX happens to have some beautiful lakes, making it a good place to enjoy most boating activities. And if you happen to own a boat, you should probably consider insuring it. Some boat owners might feel that, since boat accidents are not common, insurance is not really necessary. However, boat insurance is not just for accidents. As Shavano Insurance Agency LLC explains, here are some of the benefits you will enjoy from insuring your boat.

Protect Your Investment

Buying a boat is a huge investment, and so you need to have financial protection should anything happen. For instance, a crash, storm, or fire might damage your boat and injure your passengers as well. In such circumstances, insurance will help you cover those damages, protecting you from a significant financial loss.

Medical Coverage

As much as boating accidents are rare, they happen and can cause injuries to you or your passengers. Treating those injuries can be expensive, especially if multiple people have been injured. Here is where boat insurance comes in. It will help you cover any medical bills, saving you the trouble of paying those bills from your wallet.

Protect You from Lawsuits

If you are found a fault in a boat accident that injured a swimmer, passenger, or another boat, you may just find yourself sued. In such circumstances, boat insurance will help cover the resulting legal fees and medical fees, plus the cost of repair.

Peace of Mind

Boat insurance can buy you peace of mind. You will not have to keep worrying about the financial loss you will go through if the boat is stolen, gets into an accident, or injures other people. The insurance will cover those costs.

Therefore, if you own a boat that you use often, it makes sense to protect it and yourself as well. If you live in San Antonio, TX, you can talk to our team of experts from Shavano Insurance Agency LLC. We will provide you with the details you need on boat insurance and help you pick coverage.

How Does Umbrella Insurance Work?

Posted on July 28, 2021August 1, 2021 by admin

Many insurance policies don’t come with much liability insurance. If that’s true for you, you may need an umbrella insurance policy to add to your coverage. To find out more about umbrella insurance, contact us at Shavano Insurance Agency LLC in San Antonio, TX.

Boosting Your Insurance Coverage

Umbrella insurance is used with two other types of insurance. If you have both auto and home insurance, you can get umbrella insurance to add to one of the types of coverage that these policies offer. Your auto and home policies have a small amount that is your liability coverage from those policies. However, as these amounts tend to be very low, umbrella insurance adds to the liability coverage that you have with both of these policies. This can help you to avoid a variety of financial problems with its boost of coverage.

How It Works

First, there is an accident in your home or vehicle. Then, your home or auto insurance policy will assess the accident and figure out who is at fault. Next, the policy will pay for the accident until it reaches its payout limit. And because these limits tend to be low, anything left over to pay will come directly from your pocket. However, if you have umbrella insurance, the overage goes to your umbrella policy to be paid instead of your having to pay it. This can save you an enormous amount of money and even save you from serious financial harm. Umbrella policies have very high payout limits, so even a serious accident can be paid in full.

Get Your Umbrella Policy

For more liability insurance, an umbrella policy can come in handy. If you’re interested in one of these policies, contact us at Shavano Insurance Agency LLC in San Antonio, TX to learn more about them.

Advantages of Getting Flood Insurance

Posted on June 24, 2021June 24, 2021 by admin

If you live in the San Antonio, TX region, you are likely to know that the area has seen its fair share of flooding disasters. With this comes property destruction, resulting in considerable damage to homes and businesses in the area. Fortunately, flood insurance is designed to cover such events, with Shavano Insurance Agency LLC breaking down the benefits of getting a flood coverage policy.

Protects Your Assets

Flooding does not have to be significant to cause property destruction, with faulty systems such as broken drainages causing just as much destruction as any weather-related flooding. If you experience flooding from such occurrences, you are likely to pay out-of-pocket, an aspect that will cause a dent in your finances. Flood insurance can help you avoid such costs and will come in handy in providing compensation for fixing your property and replacing any damaged assets when flooding occurs.

Gives You Peace of Mind

Predicting a weather event is close to impossible, a factor that can often cause worry for residents in the area. Rather than living in the unknown of whether your property will be protected when disasters strike, flood insurance comes with the assurance that your assets are protected, helping you get peace of mind throughout the year. This allows you to carry on with your daily routine without any stress, since you are guaranteed compensation to help you get back on your feet during unexpected flooding incidents.

Eases Your Home Ownership Journey

Due to the frequent flash floods in the area, numerous mortgage lenders require home buyers to carry flood insurance to guarantee that their investment will be protected when flooding occurs. Failure to have flood coverage could put you at a disadvantage and will likely leave you without a home. The solution to this lies in getting flood coverage, as it will help you get on the right side of your mortgage lenders, giving you access to various property choices.

To get flood coverage customized for San Antonio, TX residents, make it a point to call Shavano Insurance Agency LLC today.