Month: June 2025

Why You Need Year-round Coverage For Your Boat

Posted on by agentinsure

Why Year-Round Boat Insurance Is Essential in Central Texas

In Central Texas, where boating season often stretches well beyond summer, many boat owners assume they can pause their insurance when their vessel is not in use. However, temporarily canceling your policy can leave you vulnerable to risks you might not anticipate. Year-round coverage through Southwest Insurance Center, serving Austin, TX, isn’t just a smart choice—it’s essential.

Risk Doesn’t Stop When You Dock

Even when your boat is out of the water, it’s still exposed to potential damage. Fires, theft, vandalism, and storm-related issues can occur in a dry dock, at a marina, or even in your driveway. Without active coverage, you could face costly out-of-pocket expenses for repairs or replacements. In Austin, where unpredictable weather is a reality, these risks are too significant to ignore.

Liability Doesn’t Take Time Off

A lapse in coverage also means losing liability protection. If someone is injured while stepping aboard or helping move your boat in storage, you could be held financially responsible. Year-round insurance ensures you’re protected—whether your boat is cruising across Lake Travis or sitting idle during the winter months.

Gaps in Coverage Can Affect Your Rates

Canceling your policy during the off-season might seem like a way to save money, but it can lead to higher premiums in the future. Insurers often view gaps in coverage as a red flag, even if no claims were made during that time. Maintaining continuous coverage demonstrates responsible ownership, which can help keep your rates stable and predictable.

Peace of Mind All Year Long

Your boat is more than just a financial investment—it represents memories, adventures, and time spent with loved ones. Year-round insurance protects that investment, no matter the season. Before considering a pause in your policy, consult a local agent at Southwest Insurance Center, serving Austin, TX. They understand the unique needs of boat owners in the Austin area and can help you safeguard what matters most.

What Motorcycle Insurance Does–and Does Not–Cover

Posted on by agentinsure

Motorcycles offer a thrilling sense of freedom on the open road, but they also come with inherent risks. In Texas, motorcycle insurance is not only required by law—it’s a smart way to protect yourself, your bike, and others in the event of an accident. However, not all policies are created equal, and understanding what’s included (and what’s not) can help you avoid surprises. At Southwest Insurance Center, serving Austin, TX, we’re here to guide you through your options.

What’s Typically Covered

At a minimum, motorcycle insurance in Texas must include liability coverage, which pays for injuries or property damage you cause to others. Many riders also opt for collision coverage, which covers the cost of repairing or replacing your bike after an accident, and comprehensive coverage, which protects against theft, vandalism, fire, or weather-related damage.

Uninsured/underinsured motorist coverage is another essential option. If you’re hit by a driver who doesn’t carry enough insurance—or any at all—this coverage helps pay for your medical bills and bike repairs.

What May Not Be Included

Standard policies often exclude specific extras. Custom parts, accessories, and aftermarket upgrades may not be fully covered unless you add specific endorsements. Protective gear, such as helmets, jackets, or gloves, may also fall outside basic coverage unless explicitly listed.

Additionally, wear-and-tear, mechanical breakdowns, and damage from racing or stunt riding are typically excluded. If you use your motorcycle for commercial purposes, such as deliveries, you’ll need specialized coverage.

Know Before You Ride

The best time to understand your policy is before you need to use it. An experienced Texas insurance agent can walk you through your options and tailor coverage to fit how and where you ride. Whether you’re cruising through Hill Country or navigating Dallas traffic, the right policy ensures you’re protected every mile. Contact Southwest Insurance Center, serving Austin, TX, for more information and personalized assistance.