Month: October 2025

My motorcycle is paid in full. Do I need motorcycle insurance?

Posted on by agentinsure

Not every state requires motorcyclists to carry insurance. However, other circumstances may necessitate insurance, even if your state doesn’t mandate it. For example, if you have a motorcycle loan, your lender will likely require you to carry insurance. At Southwest Insurance Center, we are dedicated to helping both existing and new Austin, TX, clients understand Texas motorcycle insurance requirements and secure the coverage they need.

My Motorcycle Is Paid in Full. Do I Need Motorcycle Insurance?

Even if your motorcycle is paid off, you may still need to invest in motorcycle insurance depending on your state’s laws. Some states do not require motorcycle riders to carry insurance. However, in states where insurance is not mandatory, motorcyclists with loans are typically required to carry insurance to meet lender requirements.

What Are the Insurance Requirements for Driving a Motorcycle in Texas?

Texas law requires all motorcycle riders to carry liability insurance. The liability insurance must meet the state’s minimum requirements, which include:

  • At least $30,000 of bodily injury liability coverage per person.
  • At least $60,000 of bodily injury liability coverage per accident.
  • At least $25,000 of property damage liability coverage.

Regardless of whether your motorcycle is paid in full, liability insurance is mandatory for all motorcycle riders in Texas. This coverage ensures you are financially protected in the event of an accident.

At Southwest Insurance Center in Austin, TX, we are committed to helping motorcycle riders understand state requirements and secure the coverage they need. We know that not everyone is familiar with the insurance laws in their state, which is why we prioritize educating our clients and answering all their questions. Contact us today to learn more or to get started with your motorcycle insurance policy.

Should You Get Boat Insurance For A Jet Ski?

Posted on by agentinsure

Jet skis are not typically required to have insurance in Austin, TX. However, some marinas may require liability insurance. Even if it’s not mandatory, considering boat insurance is a smart decision. These policies offer several benefits that can protect you and your watercraft.

Damages While Parked

Homeowner’s insurance policies often provide limited coverage for items on your property, especially if those items are eligible for separate insurance policies, such as cars, boats, and other watercraft. This means your homeowner’s policy may not offer sufficient coverage for damages or theft involving your jet ski. Boat insurance can fill this gap and provide the protection you need.

Liability Protection

Many jet ski owners opt for liability protection, which covers property damage and medical expenses if you’re responsible for an accident. Without liability coverage, you would need to pay out of pocket for damages or face potential lawsuits. Not having coverage puts all your assets at risk.

Additional Coverage

Boat insurance can also include additional coverage for theft, damage caused by natural disasters, and wreckage cleanup after an accident. Many policies offer optional add-ons, such as fuel delivery services, to ensure you don’t get stranded on the water.

Medical payments coverage is another valuable option, as it can cover your medical bills or those of a passenger injured in an accident, even if the accident is your fault. Without this coverage, passengers may sue you for medical expenses or lost wages.

Coverage options vary among insurance providers. An agent at Southwest Insurance Center can help you explore your options and find the right policy for your needs.

Financial Security

Obtaining boat insurance ensures you won’t have to sell your assets to cover property damage or medical costs. Instead, you can simply file a claim and let your insurance handle the expenses.

At Southwest Insurance Center, we understand the importance of having proper coverage. Our agents are here to help you find a policy that meets your needs. Contact us today to get started. We proudly serve the Austin, TX, area.