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. 

Business Interruption Insurance: Safeguarding Your Company’s Continuity

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?

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?

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

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

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

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.

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.

How Commercial Insurance Can Help During a Power Outage

As business owners in Katy, TX, know, power outages can impact their operations. It’s essential to have an emergency plan for when the lights go out — including having the right commercial insurance coverage. All Around Insurance Agency provides the information you need to protect your business during any power outage.

What Kind of Damage Can Occur During a Power Outage?

Power outages disrupt operations and can cause significant damage to a business’s property — significantly if the outage extends beyond just a few hours. Depending on the duration of the blackout and other factors, companies may suffer from costly damage such as spoiled perishable goods, lost revenue because of disruption of services, equipment malfunctions due to lack of power, or even an entire facility shut down if there are no backup generators to keep things running.

How Does Commercial Insurance Help?

The right commercial insurance coverage minimizes losses during a power outage. Commercial liability insurance helps cover costs associated with damages caused by third parties’ negligence or recklessness. Business interruption insurance covers lost income because of temporary shutdowns resulting from unforeseen disasters such as fires or power outages.

Finally, property damage insurance helps protect against damage incurred by the physical destruction of property or equipment related to a covered loss, such as fire or wind damage, that may occur during an extended power outage.

Contact Us Today

Businesses in Katy, TX need to be prepared for potential power outages to minimize losses while ensuring continued operations throughout any interruption in service. Access to commercial liability, business interruption, and property damage insurance policies is essential for protecting your business against costly damages that can occur during an extended period without electricity.

If you want more information about how All Around Insurance Agency can help you choose the best commercial insurance coverage, contact us today!

Are You a Classic Car Enthusiast? Protect Your Hobby with Classic Car insurance

Do you own a classic car? Or are you thinking about purchasing one? Did you know that these collectibles require specialized insurance coverage? If you live in or near Katy, TX, our team of insurance experts at All Around Insurance Agency can explain what coverage is best for your classic car.

Classic Car insurance: What You Need To Know

A classic car is typically older than 25 years old. It would be regarded as an older car that would be of historical interest to the collector and be restored and not scrapped. Classic cars are considered a subset of the category of “collector cars”.  A subset of classic cars is vintage or antique cars.

To qualify for classic car insurance, it cannot be your everyday mode of transportation and cannot be driven more than 5000 miles annually. Although it can vary by insurance carrier, a classic car needs to be over 25 years old.

This specialized classic car coverage protects your collectible with liability, collision, comprehensive, and other coverage. Antique cars hold and often increase in value. So, the insurance for them will cover up to an agreed-upon value as dictated by the insurance company and the owner. Regular car insurance does not provide as much coverage.

Antique or classic car insurance is cheaper than regular car insurance, as you are not driving the vehicle on a regular basis. Another big difference between regular car insurance and classic car insurance is the way the value of the car is determined. Standard car insurance depreciates the value of the car. The older a car is, the lower its replacement value is, if in an accident. The value of a classic car will almost always go up if it is maintained.

Get Coverage For Your Classic Car Today

Let the professionals at All Around Insurance Agency protect your classic car in Katy, TX. Contact us today. You will be glad you did.