Why All Car and Home Owners Need Umbrella Insurance

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?

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.

Why do I need to have RV insurance in Texas?

Being an RV owner can be a great idea for a lot of people that live in the Katy, TX area. When you do have your own RV here, you will enjoy having a way to drive around the state and the rest of the country while also having a place to sleep at night. If you would like to buy an RV here, you should also carefully assess all insurance needs.

You will need to have RV insurance for various reasons when you are here:

Protect Your RV Investment

An RV can be a very major and significant asset to purchase and invest in. When you are looking to buy an RV, you do need to also get RV insurance to ensure your investment is secured. When you have this coverage, it can provide the support you need to replace the RV or make repairs if you incur a loss. 

Meet Requirements

It is also a good idea to have RV insurance so you can meet any requirements. When you own and drive an RV, you likely will have insurance requirements. If you want to use it on a public road, you need to have liability coverage. Also, if you have taken out a loan, you will need a full plan to meet lender requirements. 

Reach Out To Us

If you are looking to purchase an RV in the Katy, TX area, you will want to know that you also have insurance coverage for it. As you are ready to start looking for RV insurance in this part of Texas, it would be very helpful to also call our team with the All Around Insurance Agency. When you do call our team with the All Around Insurance Agency, you can get all of the guidance and support that is needed to build a quality plan. 

Tips for taking your RV to a national park

Traveling to a national park in your RV from the Katy, TX area is an adventure of a lifetime! Here are some tips for getting the most out of your trip from us at All Around Insurance Agency.

Tips for taking your RV to a national park

1. Plan ahead.

Before you hit the road, research what amenities and accommodations are available in each park you plan to visit. Many parks offer full hookups and dump stations, but not all do. You’ll also want to know where to find food, gasoline, and medical care if needed. 

2. Be mindful of weight limits.

Some roads through national parks can be narrow and winding, so keep your vehicle as light as possible by leaving unnecessary items at home. Check the manufacturer’s recommendations for weight limits before you pack up for your trip. 

3. Pack necessary supplies.

Make sure you have enough food and water for your family, plus anything else you may need along the way like extra fuel or tools in case of a breakdown. A first aid kit with medical supplies is also essential in case of any minor emergencies while on the road. 

4. Stay alert while driving through the park.

National parks are often filled with wildlife that can surprise you when they cross the path while driving – keep an eye out at all times! And remember that many parks have speed limits that must be respected to ensure driver safety – going too fast can put both yourself and other nearby visitors at risk of accidents or injury. 

Get Coverage For Your RV Today

With these tips in mind, go out and explore America’s gorgeous natural wonders safely and responsibly! For more tips, call us at All Around Insurance Agency today. We proudly serve the Katy, TX area.

5 Things You Need to Know Before Buying RV Insurance

If you’re planning to hit the open road in an RV, there’s one important thing you need to take care of before setting out on your adventure: insurance. Just like your car, your RV will need to be properly insured to protect you from financial liability in the event of an accident.

But what exactly does RV insurance cover? And how much will it cost? All Around Insurance Agency in Katy, TX provides this guide to help you plan your RV insurance coverage.

RV Insurance: What You Need To Know

1. What Does it Cover?

Most basic RV insurance policies will cover liability, which means that if you cause an accident, your insurer will help pay for the damages. This generally includes both property damage (like repairs to other vehicles) and bodily injury (medical bills for you and other people involved in the accident).

In addition to liability coverage, many RV insurance policies also include comprehensive and collision coverage, which will help pay to repair or replace your RV if it’s damaged in an accident. You may also want to consider adding on other types of coverage, like personal belongings insurance, which will help protect the contents of your RV if they’re damaged, lost, or stolen.

2. How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on several factors, including the value of your RV, the type of coverage you’re looking for, and where you live. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for basic RV insurance coverage.

3. There are Different Types of RV Insurance

There are different types of RV insurance, each with its own benefits. The type of insurance you need will depend on the type and value of your RV, as well as how you plan to use it. For example, if you’re using your RV for occasional weekend getaways, you might not need the same level of coverage as someone who’s living in their RV full-time.

4. You Might Need Specialized RV Insurance Coverage

If you have a particularly valuable RV or plan to use it for business purposes, you might need specialized insurance coverage that’s not included in a basic policy. For example, if you’re using your RV to transport goods or offer services, you’ll need to ensure you have the appropriate commercial insurance coverage. You might also need to insure your RV for its full replacement value if it’s especially valuable or custom-made.

5. Don’t Rush into Buying RV Insurance

While it’s important to have RV insurance before hitting the open road, don’t rush into buying a policy just to get it over with. Take some time to compare different policies and insurers to find the coverage that’s right for you at the best price. 

Give Us A Call

All Around Insurance Agency in Katy, TX offers complete RV insurance coverage at affordable rates. Contact us today to get a free quote.

Texas RV Insurance – How to Plan Insurance for Long-Term Journeys

RV’s are a way for Texans to launch adventures that they will remember for a lifetime.  Many Texans have the opportunity to use RVs for traveling on long-term journeys. This could mean you are living in your RV for months at a time, and this adventure in life will come with some risks.

That is what insurance is for. At All Around Insurance Agency, we want Katy, TX residents to have the best Texas RV insurance coverage possible for their long-term journeys.

What Long-Term RV Insurance Covers

When you are using your RV for long-term journeys, you will need RV insurance. Your RV will be viewed as both a home and an automobile, and you will have to cover it accordingly.

An RV insurance policy for long-term journeys will have a residential policy component and an auto insurance policy component. The terms of the policy will be designed according to the intents you have with the vehicle.

RV Auto Insurance

RV insurance for your automobile needs will function like regular auto insurance. You will need liability insurance to cover medical costs and damages to third parties in the event of a collision. You will also want collision and comprehensive insurance to cover you in the event of a collision, or damage caused by events not related to a collision. 

It is also a good idea to get uninsured motorist coverage and add-ons such as travel insurance and roadside assistance. If you only get one add-on for your RV insurance policy, roadside assistance is the one to get. You’ll never worry if you get stuck at the side of the road or run out of gas again.

RV Home Insurance

When your RV is functioning as a home on wheels for you for a little while, you are going to want to have contents coverage and personal liability coverage. Property insurance will cover you in the event of theft, fire, or weather damage. You also want to have liability insurance in the event that there is an accident in or around the property your RV is located on.

Get a Quote

When you are considering a long-term journey with your RV, you need a full policy for both your home and auto needs. At All Around Insurance Agency, we want Katy, TX residents to be protected. Call us for a quote today.