Why boat insurance is necessary in Texas

The short answer to why you should have boat insurance in Texas is that it is required by law, similar to auto insurance, according to Southwest Insurance Center, serving Austin, TX. But even if boat insurance were not required, it would still be a good idea.

A motorized boat is a big investment and would cost quite a lot of money to replace if it were to be damaged, either by an accident while on the water or some other event whether it happens on your trailer in your driveway, tied up at a marina, or even being transported to and from your home.

Besides, boat insurance is relatively cheap, just a few hundred dollars a year. The exact cost will depend on the size of the boat, where it typically operates, and other factors. The peace of mind that you’re covered is well worth the cost.

The question therefore arises, what kind of boat insurance should you buy? Collision insurance protects your boat against accident or some other kind of mishap. Comprehensive insurance will cover other things, particularly liability in case you are involved in an accident and are judged to be at fault.  You should also check to see if your policy can cover things like loss of personal items and health care costs resulting from an accident.

A boat that you can take out on the water almost anytime you want can be one of the greatest joys imaginable. Whether you like to fish, or just take the family and friends out on a weekend excursion, a boat is a great vehicle to own.

If you have any more questions about boat insurance, feel free to contact Southwest Insurance Center, serving Austin, TX.


Is a Motorcycle Safety Class Right for Me?

Motorcycle ownership can be exciting, however, it can also be dangerous. The rules of the road for motorcycles are a bit different than for other vehicles. A motorcycle safety class is a great way to become an expert on your bike and how to be safe with it. 

You are New to Bike Ownership

If you have never owned a motorcycle before, then a motorcycle safety class could be a great option for you. Although you might be excited to simply hit the open road with your new bike, you should realize that there are risks involved with driving a motorcycle. If you are very new to driving a motorcycle you may not be aware of these risks. The instructor in a safety class can help you understand everything you need to know in order to bike safely. 


Some insurance companies may offer discounts for individuals who take a motorcycle safety course. Taking the course will make you less of a risk to insure. Your education will make you a better safer driver and thus a better risk for the insurance company. 

Problems in the Past

If you have already had problems in the past with traffic violations, speeding, or even DUI, then a motorcycle safety class would be a great way to get a fresh start for yourself. Driving a car can be dangerous enough, but a motorcycle carries with it an entirely new set of risks. Many bikers love the freedom they get from riding. With that freedom, however, comes a responsibility to be as safe as possible. This is for your sake as well as for the other motorists on the road. 

If a motorcycle safety class is being offered near you, take advantage of this opportunity. If you would like to learn more about motorcycle safety and insurance contact Southwest insurance Center serving Austin, TX.