The Importance of Uninsured/Underinsured Motorist Coverage for Motorcyclists

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Texas requires all drivers, including motorcyclists, to carry a minimum of liability coverage. However, with liability-only coverage on your motorcycle, you and your passenger’s medical bills and property damage are left uncovered in an accident. Liability only covers the passengers in the other vehicle or property damage belonging to others if you are found at fault or liable for the accident when law enforcement examines the scene. So let our agents at All Around Insurance Agency in Katy, TX, help you find the best all-around coverage for your motorcycle.

With uninsured motorists (UM), you can get financial protection for you and your motorcycle in an accident with a driver who has no liability coverage on their vehicle. Uninsured motorist is commonly offered in two forms: uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). The bodily injury coverage of an uninsured motorist covers you and any passengers when the other party is at fault for causing the accident and has no liability insurance. This coverage can help alleviate the financial burden of medical bills and lost wages up to the UMBI policy limits that you select on the policy.

Similarly, UMPD coverage repairs your motorcycle when hit by an uninsured motorist, minus the deductible.

Underinsured motorist coverage (UIM), on the other hand, is a form of insurance that provides financial protection if the at-fault party causing the accident with you doesn’t have adequate liability insurance to cover the extent of your or your passenger’s bodily injuries and damage to your motorcycle.

Like UMBI and UMPD, the underinsured motorist coverages come in UIMBI and UIMPD, and the limits reflect the same ones you selected for UM coverage. It would take effect and cover the remaining cost of the damages to your motorcycle – minus the deductible (UIMPD). Additionally, it would pick up the remaining costs associated with your medical bills and your passengers’ lost wages (UIMBI).

For More Information

If you are wondering if uninsured/underinsured motorist coverage is necessary for your bike and is cost-effective, you can confidently reach out to us at All Around Insurance Agency in Katy, TX, at (281) 371-0052. We are here to provide detailed information about the coverages, guiding you to make an informed decision when protecting yourself, your passengers, and your favorite recreational toy.

Is Yacht Insurance the Same As Watercraft Insurance?

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If you own a yacht, you might be worried that it doesn’t fall under watercraft insurance plans. But there’s no need to worry. The size of the vessel often limits boat insurance policies and yachts. If this is a concern for you, rest assured that our experienced team at the All Around Insurance Agency in Katy, TX is well-equipped to help you find the best policy plan.

What is Watercraft Insurance?

Watercraft insurance is a type of insurance plan that covers boat, yacht, and personal watercraft insurance. Simply put, the coverage is designed to cover a wide range of watercraft vessels, regardless of size. Despite this, watercraft owners must know which policy they have, as boat insurance or individualized plans are not the same as watercraft insurance.

Yacht Insurance vs Watercraft Insurance

Yacht insurance is different from watercraft insurance. The main difference is that Yacht insurance is a policy that covers indemnity liability coverage for sailing a vessel. This can include liability coverage, property damage, and more. 

On the other hand, watercraft insurance offers a more comprehensive scope of coverage. It can include the coverage of multiple watercraft vessels, making it an excellent choice for those looking to protect all their watercraft property. Dealing with various insurance plans can be a hassle, so a single, inclusive one might be the better choice for your peace of mind.

Which to Choose?

If you’re stuck on which policy you need, then it’s best to contact us at the All Around Insurance Agency in Katy, TX. We can help you find the perfect insurance to suit your watercraft needs. If you have any specific questions or issues, then our representatives will help. In addition, you can find policy coverage listed on our website.

Why All Car and Home Owners Need Umbrella Insurance

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When you own a car and a home, you likely have the right insurance policies to take care of them. However, even home and auto insurance policies may not give you the amount of protection you need. Both home and auto policies come with several different kinds of coverage in them. One of these is liability coverage. You need a lot of this coverage, but those policies might not give you much of it. That’s why you need to have an umbrella policy as well. It helps you to be better covered for certain incidents and the costs they can bring. Call us at All Around Insurance Agency in Katy, TX to learn more.

More Liability Coverage

An umbrella policy gives you more liability coverage. It doesn’t just add this coverage onto one of your other policies. It adds to both your home and auto policies. It leaves them with an extra layer of coverage that can make a big difference in the event of an expensive accident. When someone is injured, and you’re liable, the cost can be quite high, even when the injuries aren’t serious. Your home or auto policies may not be enough to pay all of the bills. This can create an overage, and you’re responsible for that. 

Paying the Overage

When you have an umbrella insurance policy, it pays for that overage. Umbrella policies have huge maximums so that even a costly accident can be paid for without a problem. The home or auto policy acts first, paying until it maxes out. After that, the overage is paid by the umbrella policy. This can save you thousands in medical bills and other costs after an accident. 

Get Umbrella Insurance

When you need more coverage, call us at All Around Insurance Agency in Katy, TX, to get started. 

I have a 5th wheel. Do I need RV insurance?

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Diversified Categories of Recreational Vehicles

Recreational vehicles come in various forms—some motorized, some not. The laws dictating the need for RV insurance hinge primarily on whether or not your RV is motorized. Motorized RVs are still classed as vehicles but essentially homes on wheels. Our All Around Insurance Agency team is committed to helping Katy, TX RV owners secure the coverage they need.

Exploring the Concept of RV Insurance

RV insurance provides coverage against theft, property damage, natural catastrophes, windshield damage, liability, and accidents. Just like car insurance, there are different categories of coverage for RVs. If your RV is motorized, you must carry liability insurance since it is a moving vehicle. However, if your recreational vehicle is non-motorized, your auto insurance should offer tow insurance to cover your RV. Further, non-motorized RVs are not under the same purview of laws as their motorized counterparts. Moreover, insurance is typically a prerequisite if you’re opting for financing for a recreational vehicle, whether motorized or not.

Insurance Needs for a Fifth Wheel

Due to its non-motorized nature, your car’s towing insurance usually covers a fifth wheel. This means your auto insurance’s RV liability coverage also includes your fifth wheel. State laws necessitate that the towing vehicle incorporate RV liability insurance to cover any damages or injuries caused by the fifth wheel while on roads and highways. The vehicle towing the fifth wheel must carry liability coverage applicable when the fifth wheel is being towed. If you have doubts about the level of coverage needed for your RV, make sure to contact us. We’re here to guide you as you explore your options.

Four Ways To Secure Customer Data

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As a business owner, you are responsible for protecting the identity and information you gather from your clients. Below are four ways to secure this information and avoid any misuse in your company. 

1. Install Appropriate Firewalls and Internet Security

With any business system utilizing technology and gathering client data, firewalls and internet security must be established to protect network access. The best way to prevent hackers and others not part of the company is to limit their access to the network where the data is stored. 

2. Maintain Regular Updates

Updates and maintenance will be required to keep this system running properly. Stay ahead of the other updates to keep your system protected. If you lag in updates at any point, you could expose customer data and cause an unnecessary crisis. With your IT team or professional, you can identify when it’s time to have an update and run that process when the network isn’t being accessed. 

3. Establish Regular Data Audits

The best way to ensure you stay ahead of the proper precautions and updates is to participate in regular data audits. At least each quarter, review your stored data and determine what isn’t useful. Properly disposing of unnecessary data will have less data running the risk of being exposed and allow you to know what’s best for data collection from your customers. 

4. Reduce Access to Customer Data

Not all employees need access to customer data, so it should be limited to the need-to-know group and reduce access to this information. Management and administration should only access The most fragile information, especially if the data isn’t necessary for other employees to do their jobs. Keeping this information secured means less chance of it being exposed and misused. 

If you need a personal insurance quote in the Katy, TX, area, contact our agents at All Around Insurance Agency today. 

Keeping Your Classic Porsche Protected With Insurance

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Our team at All Around Insurance Agency is staffed with car lovers who know that Katy, TX Porsche owners want protection for their classic vehicles. Thankfully, we can help you find classic car insurance that can ensure that your Porsche stays strong, no matter how many shows you attend.

Is Your Porsche a Classic?

The reputation for excellence that comes with the Porsche name means that just about every vehicle they make is eventually termed a classic. Put more simply, a classic car is a vehicle that’s between 10 and 25 years old that collectors may want. That likely means that your Porsche qualifies.

If you’re not sure, it’s important to talk to your insurance provider or car specialists to gauge whether or not your vehicle is a classic. If it is, you need to switch your insurance over to a specialized classic policy. There’s a good chance that your Porsche needs this high-quality protection. It:

  • Minimizes Travel Risks: Are you someone who loves going to classic car shows with your Porsche? Your insurance includes car show protection that should keep you safe.
  • Replaces a Vehicle: What happens if your Porsche suddenly fails or gets totaled in a crash? Classic car insurance can replace it.
  • Makes Your Trips Easier: If you love to travel with your classic Porsche, great insurance will keep you safe when you take your car out for a little cruise.

We’re Here for You

If you own a classic Porsche and you want an insurance policy to keep it safe, please call us at All Around Insurance Agency to learn more. We can help Katy, TX residents find the policy that they need at a price they can afford and ensure that your insurance meets your unique needs as a person.

Renting? Here’s Why Renters’ Insurance Is a Must-Have

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When you’re renting a home, you might not think too much about getting insurance. After all, you don’t have to ensure the actual dwelling. The landlord is responsible for doing that. However, you still have a lot of things to protect against. When you have renters’ insurance, it will cover you against a great number of risks that could lead to financial devastation without this coverage. Luckily, this insurance tends to be highly inexpensive while covering many situations. To get your renters’ policy, call us at All Around Insurance Agency in Katy, TX. 

Protect Your Possessions

You may not own the home, but you own the items inside it. It’s important to have this insurance because it protects those belongings. Without this coverage, you might have to pay to get everything replaced. Not many people could afford to do that. Keep your possessions covered by getting a renters’ policy as soon as you move in. 

Protection for Your Liability 

When you occupy a home, you are responsible for everything that goes on there. When you have someone over at your home, you’re responsible for what happens to them there. If they get injured there, you’re the responsible party. You would owe for their medical bills and other expenses like lost wages. If you don’t want to pay for that by yourself, and you don’t want to get sued for the money, it’s important to have a renters’ policy. It can save you financially if an accident were to happen. 

Get Renters’ Insurance

It’s never a good idea to be without a renters’ policy. This could leave you financially vulnerable in a number of ways. To guard against what could be massive expenses, you need renters’ insurance for as long as you rent. Call us at All Around Insurance Agency in Katy, TX to find out more. 

Motorcycle Insurance FAQs

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If you’re a motorcycle rider, you probably have a lot of questions about your insurance. Our team at All Around Insurance Agency can help Katy, TX area cyclists like you better understand your policy and ensure that you have the best overall option for your needs.

Do Helmets Really Help With Insurance?

If you regularly wear a helmet (especially in states where it’s required), your policy may consider you a safer driver. That means you might get discounts on your insurance, though that varies depending on the provider. As a result, it’s a smart idea to seriously consider wearing helmets regularly. 

What Gets Covered?

Things as diverse as liability problems (hospital bills and repair expenses you cause) as well as comprehensive motorcycle repairs all get covered in your policy. Note that there are many variations to consider here, as many policies might have limitations based on a provider’s needs.

Is It Difference Than Auto Policies?

Your motorcycle insurance covers the same basic things as your auto policy but is focused specifically on bikes. The costs are also quite different, as are the various differences between policies. As a result, you need to make sure you do your research and identify one that makes sense for you.

What Actions Can Affect My Policy?

If you drink, do drugs, drive while tired, or do any other harmful acts, you might seriously affect your insurance. For example, you might not get protection from some types of policies due to your dangerous driving, though your policy will still pay third-party needs. 

We Are Here To Help

Are you ready to get the high-quality support that you need for your motorcycle insurance policy? Please don’t hesitate to contact us at All Around Insurance Agency to learn more. We serve the Katy, TX area and are looking forward to helping you and others get the support that they need.

What You Should Know About Boat Insurance for Unique Vessels

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Not all boats in Katy, TX are the same, and not everyone owns a typical sailboat or powerboat. If you own a classic boat, yacht, or high-performance vessel, you may want to consider boat insurance for your unique vessel rather than something generic. At All Around Insurance Agency, we can help you figure out how to tailor your boat insurance to your unique vessel.

Why You Need Boat Insurance for Your Unique Vessel?

When you have a unique vessel, having insurance becomes even more of an important consideration. Boat insurance helps cover you financially for things that can happen with your boat such as accidents, vandalism, theft, and other perils depending on your coverage details. Boat insurance also helps you with liability if your boat is the cause of an injury or damage to someone else’s property.

Unique vessels usually have special attributes or features that change their valuation in various ways. Those features and attributes may not have coverage under the typical boat insurance policy. For example:

  • Classic boats have a rarity or significance that increases their value.
  • Yachts tend to have more advanced equipment, features, amenities, and parts that typical boats don’t.
  • High-performance or tuned boats have equipment and performance enhancements that increase both value and risk.

In each of these examples, owners of such vessels will need to consider coverage that encompasses and protects the additional attributes that come with the boats.

If you have no boat insurance, you have no financial protection if anything happens. Costs associated with boat accidents of any sort can skyrocket out of control. If you have typical boat insurance, you may have some coverage, but that coverage may not extend to any of the additional attributes your unique vessel contains. The answer is to seek personalized boat insurance options for your unique vessel that consider those unique attributes.

Schedule A Consultation Today

If you need or want to discuss boat insurance for your unique vessel in Katy, TX, contact us at All Around Insurance Agency. We can help tailor your boat insurance to your specific needs.

The Importance of Umbrella Insurance for Rental Property Owners

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Owning a rental property anywhere, including Katy, TX, can be such an exciting and rewarding experience. You can allow the rental property to gain equity over the years while also having regular rental payments coming in from your renters. When you have a rental property, you should consider protecting your investment with umbrella insurance you obtain through a reputable insurance company, such as All Around Insurance Agency. There are many reasons why umbrella insurance is important for rental property owners. 

Umbrella Insurance Offers Increased Liability Protection

If someone gets injured on your rental property, and you don’t have enough coverage to cover the costs of their medical bills and other losses, you can end up being sued and losing some of your assets. Umbrella insurance helps guarantee that you have adequate coverage. 

Umbrella Insurance Can Help Protect Multiple Properties

If you own multiple rental properties in areas such as Katy, TX, then umbrella insurance can offer you coverage that covers all of them. This lets you know that you won’t need to count on separate policies for each of the separate policies. Not only does this simplify the management of your coverage, but it also allows you to get this coverage while paying one premium. 

Umbrella Insurance Can Give You Peace of Mind

Another important reason for obtaining umbrella insurance from a company such as All Around Insurance Agency for your rental properties is because it will help to give you peace of mind. You will know that you’re covered should the worst happen. If you’re ready to discuss umbrella insurance, you can contact All Around Insurance Agency for more information. They can help you learn more about what the coverage offers and help you get started.