Auto Insurance Coverage Options

When you buy a car in Austin, TX, one of the first things you need to do is insure it. This is a legal requirement that helps protect you and other people. However, are you aware of what your auto insurance coverage options are? You need to understand the different types of auto coverage before selecting one. That is why, here at Southwest Insurance Center, we take you through the different types of auto insurance coverages in the market.

Bodily Injury Liability

This coverage cautions you financially if you cause an accident and people are injured. The coverage will help pay for the medical treatment of the injured party, preventing you from paying out of pocket.

Property Damage Liability

This type of liability helps pay for any damage to other people’s property caused by your car. This includes vehicles, fences, businesses, etc. Any damage to your vehicle after an accident is not covered by this policy.

Comprehensive Coverage

Comprehensive coverage protects you against financial loss when your car is exposed to risks like theft, natural disasters, vandalism, and collision with an animal. The policy will help cover the repairs or to replace your vehicle.

Collision Coverage

This type of auto insurance helps cover the expenses of repairing your vehicle after you hit another car or object. For instance, if you hit your fence as you reverse, the insurance company will help pay for the repairs.

Uninsured/ Underinsured Auto Coverage

If you are involved in an accident, and the driver at fault lacks adequate insurance or is uninsured, this coverage helps with the repair expenses. In addition, if you have been injured, the coverage will take care of the medical costs.

One of the major benefits of having insurance in Austin, TX is that you do not get into a financial loss if anything happens. Therefore, if you are still wondering whether coverage is right for you, you can reach out to us at Southwest Insurance Center. We understand that insurance can be confusing for first-timers, so we will help you find the right coverage.

How To Protect Your Home From Water Damage

Your home is probably one of your biggest and most important investments. At Southwest Insurance Center serving Austin, TX and surrounding areas, we want to help you, our clients, understand all of the ways you can protect your home. Keep reading to learn more about protecting your home from water damage.

Don’t Ignore Leaks

One of the biggest contributing factors to water damage is leaks which are left unrepaired. A leak will often start out small, which makes it easy to ignore for a while. Wherever there is a leak, though, water damage can happen. If you see a leak, repair it quickly. If you are not aware of any leaks,  it is still a good idea to check your home twice a year for any leaks or collecting water.

Keep Your Home Properly Sealed 

If there are parts of your home which are not properly sealed up, it can let in water during heavy rains. Parts of your home which could be vulnerable can include the basement, roof, or any area that is located downhill where rainwater can run into. You can have your home professionally inspected for these types of vulnerable areas by a home inspector or a construction contractor.

Keep Proper Insurance 

It is important to make sure your home insurance policy has adequate water damage protection. You should note that most home policies do not include flood coverage, but that is different from water damage resulting from busted pipes or leaks. You can sit down with an insurance representative to discuss the details of your policy.

If you would like to learn more about home insurance, please contact us at Southwest Insurance Center serving Austin, TX, and surrounding areas.