Do I Need Boat Insurance in Katy, TX?

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Picture this: it’s a beautiful hot day, and you are cruising in the waters with soft music playing in the background. From your boat, you can see the stunning sceneries that Texas State has to offer. That’s the dream, right? Nothing tops exploring the waters with your boat.

But hold on. Before you get there, you need to think about boat insurance from the All Around Insurance Agency of Katy, TX. Yes, if you want to have peace of mind in the waters, let boat insurance float with you.   

If you have been boating without watercraft insurance, here are the reasons you should give boat insurance a second look. 

Physical damage coverage

Your boat can sustain damage while on the water, in the garage, or when being towed. Thankfully, collision and comprehensive coverages pay you for damages to your boat resulting from perils like collisions, fire, theft, vandalism, and natural calamities. 

Liability coverage

When using your boat, you can cause physical damage or bodily injuries to third parties. Without boat insurance, you may have to incur out-of-pocket expenses to cover third-party liability claims. However, when you have invested in boat insurance, such liabilities don’t have to worry you so much.

Medical costs coverage

If you or your passengers incur physical injuries in a boating accident, your boat insurance caters for medical expenses, regardless of who is responsible for the accident. This coverage shields you from worrying about medical costs instead of focusing on your recovery.

It may be required

While boat insurance isn’t mandatory in Texas, your lender may require you to purchase basic boat insurance to protect their financial interests.

Buy boat insurance today in Katy, TX!

Whether you own sailing, fishing, or personal watercraft, you need boat insurance from the All Around Insurance Agency to protect your investment. Ready to get started? Don’t hesitate to get in touch with us today for a competitive quote.

Why Do I Need Umbrella Insurance?

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Umbrella insurance policies are add-on policies to enhance your existing liability insurance coverage. These insurance policies provide additional coverage by paying above and beyond what your primary insurance policies pay. Ultimately, an umbrella insurance policy helps protect your assets, future earnings, and financial future. If you live in Katy, TX, the All Around Insurance Agency has agents ready to answer your questions about umbrella insurance and offer suggestions as to why you need it. 

Protect Your Financial Future

An umbrella insurance policy helps protect your financial future by paying for anything your primary insurance policy does not cover due to payout caps. When you are found liable for damage or injuries, your umbrella insurance pays the overage not covered by other insurance policies. The umbrella insurance policy paying for medical expenses and damage costs means your assets are not at risk of seizure, and your income is not at risk of garnishment. Ultimately, an umbrella insurance policy protects everything that could negatively affect your financial future. 

Pay for Legal Fees

When at fault for an accident or when someone gets injured on your property, you risk being sued by another person. Fighting a liable case in court can be expensive, and depending on your financial situation, you may not be able to fight the case in court. Having umbrella insurance helps pay your legal fees associated with the lawsuit. 

An umbrella insurance policy helps protect your savings, assets, and future assets if you are found liable for injury or damage. Do not put your financial future at risk; call an agent at All Around Insurance Agency to discuss your umbrella insurance options and protect your Katy, TX home. 

How to Choose a Flood Insurance Policy in Katy, TX

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Some things are obvious: If you’re in a floodplain, you need flood insurance. But other things are less obvious: Even if you are not in a floodplain, you can still have a flood. Sure, the chances of it happening on a large scale may be smaller than if you lived in a floodplain, but it can and does still happen!

Learn from History

The residents of Redstone and Aspen, Colorado never thought they would experience a life-threatening flood either, until one day in 2013, it happened. Thousands of acres of land, mountainsides, and farms were washed away in the span of a few hours. 

It never starts fast. It begins slowly and builds up over time. Then, before you know it, towns are washed away.

Those who think it can never happen haven’t lived long enough to know that it can!

Who to Ask?

In Katy, your All Around Insurance Agency can protect you from the unforeseen flooding that happens due to factors that it is hard to predict. Winter thaws, rising creeks and rivers, and all sorts of other things can come together in a short time to produce a dangerous flood. Another factor causing severe flooding is the incidence of hurricanes near the southern part of Texas.

Where is Katy, TX?

It is located just a few miles west of Houston and is close to the Brazos River, as well as a number of smaller creeks and inlets that could rise to flood levels if a large amount of water was involved.

Hurricanes that affect the Houston area often travel north and west and can slam into Katy, TX quite easily with what is left of the force of the original storm.

Why take a chance? Visit with the folks at All Around Insurance Agency and be ready when the unforeseen happens!

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

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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.

What are the Benefits of Life Insurance?

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Life insurance has the ability to benefit many people. Not only does it benefit the policyholder, but it also has the ability to benefit the entire family. However, the benefits don’t stop there. Life insurance can do much more than the obvious. From tax benefits and replacing income, life insurance is a wise investment. 

The Obvious Benefits of Life Insurance

Of course, most of us understand that life insurance often pays for burial as well as provides a financial benefit to the loved ones that you leave behind. Life insurance can create peace of mind for both you and your family with the financial aspect of losing a loved one. It can also provide financial support right away for beneficiaries. In the event of death, financial support is often an immediate need. Furthermore, you can often get life insurance and the peace of mind that comes with it, for a fairly affordable price. 

The Not So Obvious Benefits

In some situations and in some states, life insurance holders can take advantage of tax benefits associated with carrying this type of insurance. Plus, the death benefits are generally income tax-free as well as estate tax-free. Plus, the cash value of life insurance can grow over time. Life insurance can replace income in some instances as well. This can come in handy if you’re leaving behind a mortgage, college tuition, or a car loan, in addition to other financial obligations. Life insurance could be a part of sound financial planning for your future. Our agents at the All Around Insurance Agency in Katy, TX are here to answer your questions. Life insurance isn’t the easiest type of insurance to understand. Give us a call. We’re here to help.

Basic Auto Insurance Facts To Help Texas Residents Find The Right Policy

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All Around Insurance Agency proudly serves the Katy, TX community. We use our status as an independent agency to help our clients review quotes from multiple carriers across the state. We are confident that we can help you find a policy tailored to your individual needs. Offering quality customer service is important.

Important Auto Insurance Facts

Like millions of people throughout the country, you depend on your vehicle every day to head to work or run errands. Driving a car can be unpredictable at times. The potential high risks involved is why finding a good auto insurance policy is important. Auto insurance covers you in multiple ways as you travel around Katy, TX. Generally, the policy protects you if you are involved in an accident with another driver. Any damages to your vehicle are covered. If you’re the one who caused the damages, liability coverage protects you from potential litigation. If you are riding with a passenger, liability coverage protects them if they suffer an injury.

Comprehensive coverage is another foundational piece of auto insurance. Comprehensive coverage protects your vehicle if somebody tries to steal or vandalize your car. Perhaps some of the severe weather that Texas is known for passes through the area and causes a tree or a brick to crack your window. If that happens, you can have peace of mind that your vehicle is protected.

If you start having car trouble, you can add emergency assistance coverage to receive urgent service. You can rely on the coverage if you have a flat tire, engine failure, battery that needs a jump-start, or towing service.

All Around Insurance Agency Will Help You Stay Protected On The Road

Visit our website to learn more information about auto insurance.  

Required Commercial Insurance in Texas

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When you have a business of any size in Texas, there are certain insurance policies that you have to have to stay legal. In addition to this, other types of insurance are highly recommended for business owners. If you need to insure your business, or you want to add a policy, call us at All Around Insurance Agency in Katy, TX to talk to an agent.

Commercial Auto Insurance 

Every Texas vehicle that is owned by a business must have a commercial auto insurance policy. If you try to put a personal auto policy on one of these vehicles, the chances are that it won’t pay out in the event of an accident. This puts your business at risk of liability and enormous medical and property damage bills. With a commercial policy, you can have peace of mind knowing that you have the right policy and that an accident that happens will be covered. Texas has a mandatory minimum amount of coverage for the bodily injury liability of one person in an accident, a higher minimum amount for all of the bodily injury liability from the accident, and a set minimum amount for the amount of property damage coverage for an accident. 

If your business does not own your vehicle, but you use it for some business tasks, a personal auto insurance policy is unlikely to pay out for an accident as well. Instead, you need a policy called hired and non-owned coverage. 

Workers’ Compensation Insurance

Unlike most other states, Texas does not have a workers’ compensation insurance policy mandated. However, it’s a good idea to get workers’ comp coverage to protect your employees and your business. Today’s medical bills are increasing all the time, and it would be up to your business to pay for all of the medical bills if a worker were to get hurt or develop an illness while at work. With this insurance type, the medical bills and lost wages can be paid by the insurance company. If your company does business for the government, this kind of coverage is required. 

Make an Appointment With an Agent

When you need commercial insurance, call us at All Around Insurance Agency in Katy, TX to make your appointment. 

Are items in my safe covered by home insurance?

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Home burglary can result in huge financial losses. Such calamities can also destroy items in your safe, such as fire or floods. This can cause you emotional distress, especially if you discover that your home insurance policy does not cover the items. It is crucial to disclose to our agents at All Around Insurance Agency on all the various items you would like covered by your home insurance policy. For residents in Katy, TX, it is critical to disclose the contents of your safe and the actual value of the items in the safe.

What is a home insurance policy?

This a policy that covers you against financial obligation in the event of an accident or a disaster involving your home. A standard home insurance policy will cover your home structure and personal belongings in case of a fire. A home insurance policy will also cover you against legal liability for damages you have caused on other people’s property or injuries caused to others. No need to worry about injuries to your pets as they are also covered.

What is not covered by a home insurance policy?

Your home insurance policy does not cover all types of losses or damages. Such items as jewelry, collectibles, and fine art may be excluded from your home insurance policy. Some insurance companies will cover these items up to a particular limit, and it is essential to disclose the actual worth of your valuables. Additional insurance coverage will be recommended where the value exceeds the insurance limit.

If you are running your business within your home premises, business property is not covered by the standard home insurance. You will be required to purchase additional business insurance to cover these items.

Please feel free to visit our website for further information or call our agents at All Around Insurance Agency in Katy, TX. They will guide you through all you need to know about a home insurance policy.