Common Motorcycle Insurance Add Ons

Whether you’re a regular rider or take to your bike for the occasional joy ride, protecting your motorcycle investment is important. However, far too many owners opt for standard coverage without looking at the different add on’s. These go a long way in protecting not only you but your gear as well. At Southwest Insurance Center, we want to make sure you are properly protected, whether riding in Austin, TX or in other surrounding areas. 

Accessories and Custom Equipment

Do you like to mod your motorcycle? Maybe you have a few accessory additions you’ve installed onto the motorcycle. Did you know these additions and improvements may not be covered with traditional motorcycle insurance. If you’re into outfitting your bike, make sure to consider this kind of common motorcycle insurance add on. 

Carried Contents and Personal Belongings

If you are one to take the bike out for extended road trips, chances are you’ll have a good amount of personal belongings stored both on the bike and even in small trailers. When this is the case, you need to protect your personal belongings with the carried contents insurance options. 

Roadside Assistance

Whether your bike is stuck or it’s disabled, the last thing you want to do is leave it to get help. Motorcycles are too easily stolen to just leave out in the open. Instead, you’re better off to invest in roadside assistance. This helps protect not only the motorcycle but you as well. There are even options here that include lodging and food expenses if your bike needs to see the shop for repairs. 

It doesn’t matter if you live in Austin, TX or in the surrounding communities, it is important to protect your motorcycle and yourself at the same time. At Southwest Insurance Center, you’ll receive assistance identifying the available motorcycle insurance add on’s available to you. 

Do I need to insure my boat year-round?

Owning a boat in Austin, TX may mean not getting to use it all year round. Because of your schedule or the time it takes to get to the lake, you may only be able to use your boat during limited times throughout the year. 

Your homeowner’s policy through Southwest Insurance Center may already cover your boat when it is safely stored at home, but this kind of policy has limitations. For instance, it won’t cover a more expensive boat, liability coverage, or medical bills if someone is injured while you are out using your boat.

Can I Be Forced to Insure My Boat?

Texas does not require boat owners to insure their boats. However, if you still owe on the loan, you probably have a requirement in the terms and conditions that you have an active insurance policy on the boat continuously until it is paid off. This protects their investment because accidents like fires can happen even when your boat is in storage.

Even if you own your boat outright, you may still be required to prove insurance at certain facilities. To protect themselves from liability, some marinas, for example, may need you to insure your own property.

What if I Own My Boat Outright?

While Texas does not require boat owners to carry special boat insurance, holding an insurance policy protects you from liability and defends you against claims in case your boat is in an accident. Just like with an automobile accident, having insurance will pay medical bills and boat repairs. Your insurance agent can deal with these issues and save you the time and trouble.

Southwest Insurance Center can help you explore the options that best fit your needs if you are in the Austin, TX area. Call today to compare rates.