Anyone who lives in Austin, TX has likely shared the enjoyment that boating can offer both residents and tourists of the area. Southwest Insurance Center is here to answer all your questions about boat insurance in the great state of Texas.

Many marinas in Texas now require boat insurance in order to park your vessel on their property. Other than that, most boating insurance is for the peace of mind of the boat owner, as we can’t control every water situation we’re in, whether you’re the best boat captain on the water or not. 

Boat insurance can protect you in the event of an accident. Whether you’re at fault or not, boater’s insurance provides a financial cushion that will give you great peace of mind every time you get on the water with family and friends. 

If you’ve spent any significant sum of money on your boat, investing in boat insurance is a wise move. Don’t throw away the thousands of dollars you’ve invested in your vessel by not properly insuring it before you get out on the water to enjoy it. 

Standard coverage for a boat includes:

1. Physical damage to the boat that occurs during an accident, dangerous weather, etc

2. Property damage to another person’s property in the event of an accident

3. Theft or vandalism to your boat that needs replacing

As you can see, a simple insurance policy can set you up with a great amount of protection in various scenarios when out on the water. If you live in Austin, TX, have a boat, and need some guidance as you build a plan that will protect your assets, contact the team at Southwest Insurance Center. Our team of experts can help!

There is nothing quite like the open road on the back of a motorcycle! That being said, you are going to need to protect yourself and your bike in case you are involved in an accident. Just like with automobile insurance, you need to make sure that you have motorcycle insurance. 

So, what is included with your insurance? 

Liability insurance. You need to have liability insurance if you want to own a motorcycle. This will protect you by covering the cost of damage to the property, along with the medical bills of those that are involved in the accident. 

Comprehensive insurance. This is optional, but it may be in your best interest to have some. This will cover your motorcycle if it gets stolen or damaged due to things that are beyond our control, such as fire and storm. It also covers vandalism. 

Collision. This insurance covers any damage that may occur to your own motorcycle if you are at fault. 

Uninsured and underinsured motorist. If you want to protect yourself against others on the road, you are going to want to have uninsured and underinsured motorist insurance. This will cover any damage to your motorcycle, along with any of your medical bills that aren’t covered because the other driver didn’t have enough insurance. 

You can decide how much insurance and what types of insurance you want to have. However, if you have a loan out for your motorcycle, you may be required to have a comprehensive collision policy. Talk to a professional to help you find a plan that fits into your budget, while still protecting you. In Austin, TX, contact us today at Southwest Insurance Center.