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.

Why do I need to have RV insurance in Texas?

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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. 

Business Interruption Insurance: Safeguarding Your Company’s Continuity

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If you own a business in the greater Katy, TX region, you know the importance of keeping things running smoothly. However, unexpected events may occur and disrupt your business operations, which may harm your financial stability. All Around Insurance Agency provides information on business interruption insurance, its functionality, and why it’s necessary to ensure your company’s continuity.

Business Interruption Insurance

Business interruption insurance, alternatively referred to as business income insurance, is a form of protection designed to aid businesses in mitigating financial losses caused by unforeseen circumstances that hamper regular operations. Insurance can help financially support your business by covering expenses like rent, payroll, and other ongoing costs to keep your business running. This coverage is typically a part of commercial property insurance policies but can also be bought separately.

Amount of Coverage

To figure out the required coverage amount, consider the possible losses that can occur if your business needs to shut down temporarily. Those losses comprise not only the revenue lost but also expenses associated with relocation and the duration needed to restart your business.

Maintain Your Reputation

Business interruption insurance not only protects your finances but also helps uphold your company’s reputation. When unexpected events prevent you from meeting deadlines or fulfilling customer orders, your customers may lose trust in your ability to deliver.

We Can Help!

As a business owner in Katy, TX, it’s essential to protect your company’s continuity against unexpected events that could disrupt your operations. Business interruption insurance can help you do just that by providing financial support to cover expenses and allow you to continue operating your business. Call All Around Insurance Agency to find the right coverage for your business and ensure that you’re prepared for any disruptions that may arise.

Classic Car Insurance Vs Regular Insurance: What’s the Difference?

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For all roadsters and those involved in the classic car clubs across America, there are a few things to know before getting classic car insurance in Katy, TX and all around the state. Most states follow the same laws regarding classics and getting them insured. 

A classic vehicle is defined as any vehicle older than 25 years after manufacturing. Having the same insurance or coverage as newer model cars is not required. However, there are unique options that insurance companies can offer that suit the owner’s needs.    

Owners with Regular Vehicle Insurance

Most everyone needs a vehicle to get from one location to another. Many drive daily for work or personal needs, making the vehicle the primary vehicle. Insurance companies look at how much the car is on the road and estimate how many miles a vehicle will cover in one year to determine the underwriting of the policy. Liability is necessary, while comp and collision are optional unless the car is financed.  

Having Classic Car Insurance

Classic cars are not the primary vehicles for use and are mainly used for showing or taking out for a joyride. Premiums are not as high because the car is not driven for long distances. Like regular insurance, liability is necessary, but the rules are not as strict. Most of the time, these vehicles are primarily for show. The time spent on the road makes it less of a hazard as some states only allow the car to go on the road no more than once a week. 

All Around Insurance Agency Can Cover Classic Car Insurance

At All Around Insurance Agency, we can offer classic car insurance and most of your insurance needs. Contact us for more information concerning your classic car coverage for Katy, TX and surrounding areas. 

Does Renters Insurance Cover Theft?

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As a renter, one of the worst experiences you can go through is having your personal property stolen. Not only can it be emotionally taxing, but it can also be financially devastating. That is why it is essential to have the right renters’ insurance coverage to protect your valuables in case of theft.

Overview of Renters Insurance Coverage

First, let’s go over renters insurance and what it covers. Renters insurance is a type of insurance that provides coverage to renters for personal property damage or liability. Personal property damage can include things like theft, vandalism, and fire. Liability coverage can protect renters against lawsuits from people who may get injured in their rental unit.

Does Renters Insurance Cover Theft?

Yes! Renters insurance covers theft in Katy TX, like in any other state. If your personal property is stolen, your renters insurance policy can provide coverage up to your policy limit for the stolen items.

What Does Renters Insurance Cover in Case of Theft?

It’s important to note that not all types of personal property are covered in case of theft. Items such as jewelry, expensive electronics, and collectibles may require additional coverage called endorsements or floaters. These other coverages can protect your more expensive items beyond the primary policy limit.

How to Make a Renters Insurance Claim for Theft

If you experience theft at your rental property, the first thing you should do is contact the local authorities. After filing a report, you should contact your renters’ insurance agent at All Around Insurance Agency in Katy, TX and report the theft. Your agent will guide you through the claims process and help you get the coverage you’re entitled to.

Reach Out To Us

Don’t leave yourself vulnerable to the financial burden of theft. Protect your Katy, TX personal property with All Around Insurance Agency renters’ insurance.

Motorcycle Insurance in Texas: Don’t Ride Until You Read

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Hitting the open road on a motorcycle is an exhilarating experience, but it’s essential to prioritize safety and security before you rev up your engine. All Around Insurance Agency in Katy, TX can help you make informed decisions about your coverage.

The Importance of Motorcycle Insurance in Texas 

In the Lone Star State, motorcycle insurance is more than just a wise investment; it’s required by law. All riders must have at least the minimum liability coverage to protect themselves and others on the road. However, it’s often advisable to consider additional coverage options to ensure comprehensive protection. Partnering with a reliable insurance agency like All Around Insurance Agency can help you determine the ideal coverage for your specific needs.

Texas motorcycle insurance typically includes several key components, such as liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Liability coverage is mandatory and safeguards you against financial losses if you’re at fault in an accident. Collision and comprehensive coverages protect your motorcycle from damage due to accidents, theft, and other incidents, while uninsured/underinsured motorist coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.

To ensure you have the right coverage in place, it’s essential to work with an experienced insurance agency like ours. Our team of professionals is committed to understanding your unique requirements and crafting a customized policy that offers maximum protection.

Reach Out To Us

Motorcycle insurance in Texas is a crucial aspect of responsible riding. By partnering with a trusted agency like All Around Insurance Agency, serving the greater Katy, TX region, you can rest assured that your motorcycle and your safety on the road are taken care of. Don’t hit the road without proper insurance – contact All Around Insurance Agency today to secure the coverage you need for a worry-free ride.

Safe boating tips

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When going out on the water in the Katy, TX area, or anywhere, safety should always be your number one priority. Whether you’re an experienced boater or a novice, there are some key tips from us at All Around Insurance Agency you should keep in mind to ensure your time on the water is as safe as possible. 

Safe boating tips

One of the most important tips for safe boating is to always wear your life jacket. Life jackets can help protect you from drowning if you fall overboard, and it’s always better to be prepared for any situation. Make sure that everyone aboard knows where the emergency equipment is located so they can act quickly if needed. 

It’s also important to always check the weather before heading out and plan accordingly. Strong winds, heavy rain, and storms can make boating dangerous, so it’s best to avoid them whenever possible. Additionally, make sure your boat has enough fuel before leaving shore; running out of fuel in open waters could leave you stranded and vulnerable. 

Finally, stay aware of your surroundings while on the water at all times. Keep an eye out for other boats that may be nearby and obey all navigational laws and regulations when traveling through different waterways. Always follow these simple tips, and you’ll have a much more enjoyable time on the water!

We Are Here To Help!

For more safe boating tips, or if you have any questions about your boat’s insurance coverage, give us at All Around Insurance Agency a call today. We are proud to serve the Katy, TX area and would be glad to help you find a policy that meets your needs. So don’t wait – give us a call today!

Umbrella Insurance FAQs

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There are many options for insurance available. With the countless insurance types and options, you might have questions about what they include. All Around Insurance Agency, serving the residents of Katy, TX, is here to assist. We can answer some of the most frequently asked questions about umbrella insurance.

How does umbrella insurance work?

Before getting umbrella insurance, you need to have auto and home insurance. Umbrella insurance kicks in once the liability runs out on your home or auto insurance. Umbrella insurance is liability coverage that protects you against financial devastation from lawsuits, property damage, bodily injury liability, libel, slander, and defamation.

Is umbrella insurance worth it?

It depends on your assets and your risk factors of getting sued. If you own things that can be a danger to other people in the neighborhood, such as a trampoline or a swimming pool, it would be a good idea to get umbrella insurance. Those increase your risk of a lawsuit due to the danger of other children getting injured. It is also a good idea to have umbrella insurance if you have a large number of assets. Some people are sue-happy and will put a target on someone that has a lot of assets.

Who needs umbrella insurance?

Umbrella insurance is not a good fit for everyone. Some people can do without the need for umbrella insurance. Who needs umbrella insurance? You might benefit from umbrella insurance if you have a high net worth or if you have high-risk factors of liability.

What does umbrella insurance cover?

Umbrella insurance covers things that you are found liable for. This includes bodily injury of another person, property damage, and legal costs.

Contact Us Today

If you are in the market for umbrella insurance, contact us at All Around Insurance Agency in Katy, TX.